Investment Read Time: 5 min

How Financial Professionals Are Compensated

投资者向金融专业人士支付的咨询和服务费用有两种基本形式:交易费和持续费用. 虽然专业人士收取的费用可能有所不同,但他们被要求全面披露这些费用.

Transaction Fees

这些费用通常是在交易进行时一次性评估的费用. Examples of transaction fees include:

Commissions

Paid on the purchase and sale of a stock.1

Mark Ups / Mark Downs

当经纪人向投资者出售或购买其持有的头寸时发生. 美国金融业监管局的指导方针确保投资者支付的价格与证券市场合理相关.2

Sales Loads

The sales charge for buying a mutual fund. 它们可以是前端(在你购买基金时收取)或后端(在你出售基金时收取). Mutual funds are sold only by prospectus. 请在投资前仔细考虑费用、风险、费用及投资目标. 你可以从你的金融专业人士那里获得一份包含这个和其他有关投资公司的信息的招股说明书. Read it carefully before you invest or send money.

Surrender Charges

该费用是在投资者过早出售年金时评估的. Generally, it is a percentage of the amount withdrawn.3

Redemption Charge

一些共同基金在基金持仓未达到规定期限时收取的费用.

Ongoing Fees

只要投资者仍在特定的投资或投资平台上,就会收取这些费用. They typically are calculated as a percentage of assets. Examples of ongoing fees include:

Fees for Professional Investment Services

这些是投资专业人士管理资产的费用.

Annual Operating Expenses

共同基金和交易所交易基金(etf)有持续的费用,用于支付资产管理和任何行政和服务(或分销)费用. ETFs also are sold only by prospectus. 请在投资前仔细考虑费用、风险、费用及投资目标. 你可以从你的金融专业人士那里获得一份包含这个和其他有关投资公司的信息的招股说明书. Read it carefully before you invest or send money.

Annual Variable Annuity Fees

除年度营运费用外,还包含年金基金, an annuity may have additional service fees, administrative charges, and insurance costs. Variable annuities are sold by prospectus, 其中包含有关投资目标和风险的详细信息, as well as charges and expenses. 我们鼓励您在投资或汇钱购买可变年金合约前仔细阅读说明书. 招股说明书可向推荐一个正规滚球网站公司或您的金融专业人士索取. 可变年金子账户的价值会随市场情况而波动, 如果放弃年金,它的价值可能高于或低于最初的投资金额.

Combined Fees

一些产品或投资平台可能会同时收取交易费用和基于资产的持续费用. Examples include:

ETFs

When you invest in an ETF, 在购买时和出售时都有交易费, as well as an ongoing fee to manage the fund.

Mutual Funds

基金可以出售与销售负荷,也评估持续费用.

Investment Programs

虽然大多数项目提供了一个包括持续费用的建议和交易, some programs may charge both forms of fees.

Don't Be Afraid to Ask Questions

投资者应该知道他们为专业人士的服务和建议支付了多少钱. Don't hesitate to ask questions like “How do you get paid?” or “Do I have a choice of how I pay you?”

1. 股票价格的收益和本金价值会随着市场情况的变化而波动. 股票在出售时,其价值可能高于或低于最初的成本. Past performance does not guarantee future results.
2. FINRA是金融业监管局(Financial Industry Regulatory Authority)的缩写, 致力于通过有效和高效的证券业监管来保护投资者和市场完整性.
3. 年金合同的保证取决于发行公司的偿付能力. Annuities have contract limitations, fees, and charges, including account and administrative fees, underlying investment management fees, mortality and expense fees, and charges for optional benefits. 大多数年金都有退保费,如果你在年金合同的最初几年取出钱,退保费通常是最高的. 取款和收入支付按普通收入征税. If a withdrawal is made prior to age 59 1/2, 10%的联邦所得税罚款可能适用(除非有例外情况).

内容是发展的来源被认为是提供准确的信息. 本材料中的信息并非用于税务或法律咨询. 它不能用于避免任何联邦税收处罚的目的. 请向法律或税务专业人士咨询有关您个人情况的具体信息. 本材料是由FMG Suite开发和制作的,以提供关于可能感兴趣的主题的信息. FMG, LLC, is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见和提供的材料是为一般信息, 而不应被视为招揽购买或出售任何证券. Copyright 2021 FMG Suite.

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