Abacebisi Bemali
Umthombo ongabangela ukudideka kubangelwa ukuthi umeluleki wezezimali ungasetshenziswa kokubili abadayisi bezokutshalwa kwezimali abasebenzisa ngokuvumelana nezinga elifanelekayo nabeluleki bezokutshala izimali abhalisiwe abasebenza ngaphansi kwezinga lokugcina imali. Ngenkathi ubudlelwane beklayenti esekelwe kumakhomishana yilabo abakudala abajwayele ukukhokha, lesi sigaba sisebenza ngokusemthethweni kuphela.
Umeluleki wezezimali wezimali angase ahluke ngohlobo lwezokuphepha oluthengisiwe, futhi ngokuvamile iphesenti alondoloza ukukhushulwa njengoba amakhomishana aphelele (noma ukukhishwa kwemikhiqizo) athola ngesikhathi sokunyuka konyaka. Kuvame ukubhekwa njengezinga lokukhokha komeluleki wezezimali. I-matrix yezinga lokukhokhwa kwamaholo ngokuvamile ibizwa ngokuthi igridi yokukhokha .
Izinzuzo kuKlayenti:
Ukusekela umeluleki wezezimali ukhokhele amakhomishini ngokuvamile kuyindlela enhle kunazo zonke kumaklayenti asebeqeshisayo besikhathi eside, emva kokuthenga nokubamba iqhinga lokutshala izimali kunomunye okubandakanya ukuhweba njalo kanye nokuthengiswa kwephothifoliyo ngokushesha.
Kuyiqiniso ngempela uma iklayenti ngokuyinhloko iqondiswa ngokweqile futhi ngokwezimali ngokwezimali, ingadingi ukunakwa okuqhubekayo neseluleko esivela kumeluleki wezezimali.
Izinzuzo kumeluleki wezezimali:
Kubeluleki bezezimali abahlukumezekile nabanolwazi ekuthengiseni, futhi amakhasimende abo anethezekile ngamasu okutshala izimali okubandakanya inani elikhulu lokuthengiselana, uhlelo lokukhokha olukhokhelwe ikhomishini lunganikeza isinxephezelo esiphezulu kakhulu kunezinye izindlela.
Kodwa-ke, umthengisi osebenzayo kakhudlwana iklayenti, futhi izimpahla ezinkulu zezimali ezifakwe kwi-akhawunti yekhasimende, kungenzeka ukuthi iklayenti kufanele ifune (futhi zithole) ngokuya ngokunciphisa amazinga amakhomishana ngokuhambisana namazinga ajwayelekile anikezwe yi-firm. Abeluleki bezezimali abanokuzethemba kakhulu nabanobudlova kuphela abaphumelela ekubambeleleni umugqa ngokumelene nezidingo zamakhasimende zezaphulelo kulezi zimo.
Izingxabano zesithakazelo:
Uma umeluleki wezezimali esekhomishini, kukhona ukuphikisana okucacile kwezintshisekelo, ngoba inkokhelo ixhunyaniswe ngokuqondile ekukhiqizeni ukuthengiselana, kunokuba kusebenze ukutshala izimali. Umkhuba abeluleki bezezimali abangenangqondo abafuna ukwandisa isinxephezelo sabo esisekelwe ekhomishini ngokuhweba ngokweqile kubhekiselwa ngokuthi yi-churning.
I-Churning ingozi ethile nge-akhawunti ebizwa ngokuthi i-discretionary accounts, lapho umeluleki wezezimali anikezwe ikhono lokungena emakethe ngokwengqondo yakhe, ngaphandle kokuthola imvume ecacile evela kuklayenti. Nge-akhawunti engeyona yokuqonda, umeluleki wezezimali kumele athole imvume enjalo kumakhasimende ngawo wonke umsebenzi owenzayo. Ingxoxo yocingo ifanele njengendlela yokuthola ukuvuma okunjalo.
Ngenxa yokungena kwezomthetho okungase kube khona, iminyango yokuthobela emakhakheni e-securities brokerage firms afaka ukubeka imingcele enamandla ekwenzeni amaklayenti ukuvula ama-akhawunti wokuqonda.
Ukuvama:
Phakathi kwabeluleki bezokutshala izimali ababhalisiwe abasebenzisa izifiso zabasebenzi futhi bakhonza okungenani amaRandi ayizigidi ezingu-25 kumpahla yamakhasimende (laba bacebisi kumele futhi babhalise ukuba benze njengabadayisi / abathengisi), iphesenti lalabo abathola ama-commissions yilokhu:
- 22% ngo-2010
- 23% ngo-2009
- 24% ngo-2008
Qaphela ukuthi abanye abeluleki bezokutshala izimali ababalwe lapha bamukela izinhlelo eziningi zokukhokha, ezihlukile ngekhasimende noma iklayenti lekhasimende. Ngakho amaphesenti kulolu cwaningo afaka ngaphezu kuka-100% kuzo zonke izinhlobo zokukhokha.
Lezi zibalo zivela ekutadisheni nguDkt. Lukas Dean, uMsizi WeProfesa noMqondisi Wezinhlelo Zokuhlela Kwezezimali eColoros College of Business eWilliam Paterson University eNew Jersey.
Ukuthola kwalolu cwaningo kukhonjiswe ku "Indlela Yokukhokha Umeluleki Wakho Wezezimali," I-Wall Street Journal , ngoDisemba 12, 2011.