金融专业人士如何获得报酬
The 费用 that investors pay to financial professionals for their advice and services come in two basic forms: transaction 费用 and ongoing 费用. While professionals may differ in what 费用 they charge, they are required to fully disclose them.
交易费用
These 费用 are generally one-time 费用 assessed at the time a transaction is made. 交易费的例子包括:
佣金
在买卖股票时支付的.1
Mark up / Mark Downs
Occur when a broker-dealer sells or buys an investor a position that it owns. 美国金融业监管局 guidelines ensure the prices paid by investors are reasonably related to the market for the security.2
销售加载
购买共同基金的销售费用. They may either be front-end (charged when you buy the fund) or back-end (charged when you sell the fund). 共同基金只根据招股说明书出售. Please consider the charges, risks, expenses, and investment objectives carefully before investing. A prospectus containing this and other information about the investment company can be obtained from your financial professional. 在你投资或汇款之前仔细阅读它.
投降的指控
This fee is assessed when an investor sells an annuity prematurely. 一般来说，是提款金额的一个百分比.3
赎回费
A charge some mutual funds assess if a fund position is not held for a prescribed period of time.
正在进行的费用
These 费用 are levied for as long as an investor remains in a particular investment or investment platform. 它们通常以占资产的百分比计算. 持续收费的例子包括:
专业投资服务收费
These are the 费用 an investment professional charges to manage assets.
年度经营费用
Mutual funds and exchange traded funds (交易所交易基金) have ongoing 费用 that pay for the management of assets and any administrative and service (or distribution) 费用. etf也只能通过招股说明书出售. Please consider the charges, risks, expenses, and investment objectives carefully before investing. A prospectus containing this and other information about the investment company can be obtained from your financial professional. 在你投资或汇款之前仔细阅读它.
每年可变年金费用
In addition to the annual operating expenses of the funds contained in an annuity, 年金可能有额外的服务费, 行政费用, 保险费用. 可变年金按招股说明书出售, which contains detailed information about investment objectives and risks, 还有收费和开支. You are encouraged to read the prospectus carefully before you invest or send money to buy a variable annuity contract. The prospectus is available from the insurance company or from your financial professional. Variable annuity subaccounts will fluctuate in value based on market conditions, and may be worth more or less than the original amount invested if the annuity is surrendered.
结合费用
Some products or investment platforms may charge a combination of transaction 费用 and ongoing asset-based 费用. 例子包括:
交易所交易基金
当你投资ETF时, there is a transaction fee at the time of purchase and when it is sold, 以及管理基金的持续费用.
共同基金
Funds may be sold with a sales load and also assessed ongoing 费用.
投资项目
While most programs offer an inclusive ongoing fee for advice and transactions, 有些项目可能同时收取两种形式的费用.
不要害怕问问题
Investors should be aware of what they are paying for a professional's services and advice. 不要犹豫，问这样的问题:“你是如何得到报酬的??或者“我可以选择付你多少钱吗??”
1. The return and principal value of stock prices will fluctuate as market conditions change. And shares, when sold, may be worth more or less than their original cost. 过去的表现不能保证未来的结果.
2. 美国金融业监管局是金融业监管局的缩写, which is dedicated to investor protection and market integrity through effective and efficient regulation of the securities industry.
3. The guarantees of an annuity contract depend on the issuing company's claims-paying ability. 年金有合同限制, 费用, 和费用, 包括帐费和管理费, 基础投资管理费, 死亡率和费用, 以及可选福利的收费. Most annuities have surrender 费用 that are usually highest if you take out the money in the initial years of the annuity contact. 提款和收入支付按普通收入征税. 如果在59岁半之前提款, a 10% federal income tax penalty may apply (unless an exception applies).
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 获取有关您个人情况的具体信息. This material was developed and produced by 手机赌博软件下载 to provide information on a topic that may be of interest. 消费品, 有限责任公司, 不隶属于指定的经纪自营商, 国家或证券交易委员会注册的投资咨询公司. 所表达的意见和 所提供的资料仅供一般参考, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 手机赌博软件下载.
