Isibonelo Sokuhlola: I-subset engahleliwe yabantu yayidonswe ku-database ye-QM, ngokuhambisana namasu okulinganisa izibalo.
Laba bantu bamenyiwe ngeposi ukuze bagcwalise ucwaningo lwama-intanethi phakathi kukaMeyi 23 noJuni 19, 2008. Izimpendulo ezinemibuzo okungenani engu-50% esetshenziselwa ekubaleni ukwaneliseka zithathwe njengezivumelekile, futhi zaqoqwa zabacebisi bezezimali abangu-3,124. I-JD Power ikhishwe imiphumela yayo ngo-September 30, 2008. Abaphenduli babehlukaniswe ngezigaba ezimbili:
- Abasebenzi bomdayisi we-broker
- Abacebisi bezezimali abazimele abacubungula ukuthengiselana ngokusebenzisa umdayisi we-broker owanikwa
Abaqhubi be-Advisor Financial Financial Satisfaction: Inhlolovo ye-JD Power iphakamisa imibuzo yayo ehlukene ngezigaba eziyisishiyagalombili eziyinhloko ezithuthukisa ukwaneliseka komeluleki wezezimali. Abeluleki bezezimali babuzwa ukuba bafake isisindo samaphesenti esigabeni ngasinye ukuze sibonise ukubaluleka kwayo kubo, isamba esingu-100% kuzo zonke izigaba. Ngokufanayo, abacebisi bezezimali nabo kwakudingeka bafake izinsimbi ekubalukeleni kwendaba ngayinye ehlanganiswe ngaphansi kwezigaba eziyisishiyagalombili.
Izinombolo ezibalini ezingezansi zibonisa izisindo zephesenti ezihlanganiswe nesigaba esibuzwayo, ngokulandelana, abacebisi bezezimali nabasebenzi nabacebisi bezimali abazimele:
- Ukusebenza okuqinile (24%, 11%)
- Isihlomelo (16%, 12%)
- Ukusekelwa kokuphatha nokuhambisana (14%, 18%)
- Ukusekela imisebenzi yangaphakathi (12%, 22%)
- Imisebenzi kaJobe (11%, 13%)
- Imikhiqizo neminikelo (9%, 7%)
- Ukuxazulula inkinga (7%, 17%)
- Indawo yokusebenza (6%, NA)
Ukusebenza okuqinile kuhlanganisa umbono wezezimali, ukusebenza kobuholi, ukuncintisana emakethe, nokuqasha nokuqasha imikhuba.
Isihlomelo sihlanganisa ukukhokha, ukuphepha komsebenzi, izinzuzo zomhlalaphansi, nomshuwalense wezempilo.
Ukwesekwa kokuphatha nokuhambisana nokusebenza kubandakanya ukusebenziseka kocwaningo lokutshala izimali , amathuba okufundisa abasebenzi, ikhwalithi yobuchwepheshe bezokwaziswa , ukuphendulela kwabasebenzi bezobuchwepheshe bezokwaziswa, ukufaneleka kokubheka ukuhambisana nokulandelana kwemibhalo, kanye nemali yamaphepha okuphatha.
Ukwesekwa kokusebenza kwangaphakathi kuhlanganisa ikhwalithi, ukwethembeka nokusiza kwabeluleki bezezimali, abanye abasebenzi, abasebenzi bokusekela kanye nabaphathi.
Imisebenzi kaJobe ihlanganisa inani lenselelo elinikezwe umsebenzi, inkululeko enikezwe umeluleki wezezimali ukutusa imikhiqizo kanye nezinsizakalo azitholayo kakhulu, kanye nomthwalo wokusebenza.
Imikhiqizo neminikelo ihlanganisa ukuhluka kwayo, ukuncintisana kwayo, ukuqiqa kwemanani, nokutholakala kwezinsiza zokufundisa amaklayenti.
Indawo yokusebenza ihlanganisa izimo zehhovisi, ikhodi yokugqoka kanye nekhwalithi yezindawo zokuphumula.
AmaFree Best for Abacebisi Ngezezimali: AmaFemu anikezwe amaphuzu esikalini esingu-1,000, ngokusekelwe ekuphenduleni kwabacebisi bezimali emibhalweni yocwaningo. Izimpendulo zalinganiselwe ngokusho kokubaluleka okubalulekayo ukuthi abaphendulile babekwe kubashayeli abahlukene, kanye namasheya emakethe amafemu. Amafemu kuphela okungenani okungenani ama-100 ahlolwayo avunyelwe.
Izimpendulo ezivela kubacebisi bezezimali abazimele azizange zikwazi ukukala amafemu, anikezwa amazinga ka-JD Power, kusukela kumbono wabo. Abeluleki bezezimali bezisebenzi babala amafemu ngalendlela:
- U-Edward Jones (879)
- U-Raymond James (879)
- UMerrill Lynch (697)
- Imisebenzi Isilinganiso = 655
- I-Wachovia Securities (627)
- I-Citigroup Market Global (Smith Barney) (624)
- UBS Financial Services (598)
I-JD Power ikhishwe izikhundla ezizimele ezizimele ngezigaba ezingu-7 zezilinganiso eziyisishiyagalombili.
Akukhipha ukuxazulula izinkinga.
- U-Edward Jones , uRaymond James noMerrill Lynch babengaphezu kwesilinganiso sembonini kuzo zonke izigaba eziyisikhombisa.
- UMerrill Lynch wayeyisithathu kwisigaba ngasinye.
- U-Edward Jones waba ngowokuqala ngezigaba ezintathu: imvelo yomsebenzi, ukwesekwa kokusebenza kwangaphakathi, nokusekela kokuphatha nokuhambisana. Kwakuyesibili kokunye.
- URaymond James waba ngowokuqala ngezigaba ezine: imisebenzi yomsebenzi, imikhiqizo neminikelo, isinxephezelo, nokusebenza okuqinile. Kwakuyesibili kokunye.
- I-UBS ne-Wachovia babengaphansi kwesilinganiso kuzo zonke izigaba ngaphandle kwemvelo yomsebenzi.
- I-UBS iphelile ekugcineni ezinhlokweni ezinhlanu.
- I-Citigroup yayingaphezu kwesilinganiso kuphela emisebenzini yomsebenzi kanye nesinxephezelo.
Isici esiyinkimbinkimbi solu cwaningo ukuthi esinye isikhulu esiphezulu sezinsizakalo zesevisi, uMorgan Stanley, asizange senze izimpendulo ezivumelekile ukuba zibekwe eceleni.