As dit kom by die bestuur van beleggings, is verskeie aspekte binne beleggers se beheer, maar sommige is buite hul beheer \u2013 die beweging van die mark oor die korttermyn is iets wat buite ons beheer is. <\/p>\n\n\n\n
Soos ons tot dusver vanjaar gesien het, kan markte oor die korttermyn erg wisselvallig wees, maar indien ons vir die langtermyn bel\u00ea, sal ons hiervoor beloon word. <\/p>\n\n\n\n
Een ding wat wel direk binne ons beheer is, is die koste wat op ons beleggings betaal word. Die Vereniging vir Spaar en Belegging in Suid-Afrika (ASISA) het \u2019n paar jaar gelede wetgewing afgekondig wat \u2019n eenvormige standaard stel van hoe koste aan beleggers deurgegee moet word. Hierdie standaard staan bekend as die Effektiewe Jaarlikse Koste (EJK). Vier soorte koste wat onderskei moet word, is: adviseurskoste, beleggingskoste, administrasiekoste en ander. <\/p>\n\n\n\n
\n Adviseurskoste<\/b> is betaalbaar vir die dienste wat gelewer word. Dit is gewoonlik \u2019n onderhandelbare fooi wat betaal word vir die werk wat die finansi\u00eble raadgewer doen. Een van die raadgewer se grootste take is om die kli\u00ebnt se risikoprofiel te bepaal en \u2019n kombinasie van beleggings voor te stel. <\/p>\n\n\n\n
\n Administrasiekoste<\/b> is betaalbaar aan die platform waar die beleggings plaasvind. Party platforms vra \u2019n vaste fooi, ongeag hoe groot die belegging is, terwyl ander op \u2019n glyskaal werk. <\/p>\n\n\n\n
Laastens kom ons by beleggingskoste<\/b>. Dit is die fooi wat \u2019n batebestuurder vir die bestuur van die onderliggende beleggings vra. In die meeste gevalle sal \u2019n goeie adviseur \u2019n belegging tussen \u2019n paar fondse diversifiseer. Die algehele beleggingskoste sal dan die geweegde gemiddelde van hierdie fooie wees. <\/p>\n\n\n\n
As ons hierdie vier fooie bymekaartel, gee dit vir ons die EJK van die belegging. <\/p>\n\n\n\n
Dit is altyd vir my skokkend om portefeuljes te\u00eb te kom waar die fooie astronomies hoog is. In die meeste gevalle is die kli\u00ebnte salig onbewus hiervan. Ek het al gesien hoe die totale EJK van \u2019n portefeulje tot 5% kan wees. <\/p>\n\n\n\n
Ons by PSG is in die gelukkige posisie dat ons toegang het tot \u2019n wye verskeidenheid platforms en fondse, wat beteken ons kan \u2019n verskeidenheid fooistrukture ondersoek. In sommige gevalle kon ons bloot met \u2019n ander platform kli\u00ebnte tot 0.3% bespaar, sonder dat die onderliggende beleggings veel verander moes word. \u2019n Koers van 0,3% klink dalk nie baie nie, maar op \u2019n belegging van R1 miljoen beloop s\u00f3 besparing R3 000 per jaar. As die belegging \u2019n re\u00eble opbrengs van 3% per jaar verdien, beloop hierdie besparing oor \u2019n 10-jaartydperk ongeveer R38 000.<\/p>\n\n\n\n
Die meeste beleggers fokus so sterk op opbrengste dat hulle vergeet om na hul fooie te kyk. Dit kan \u2019n portefeulje maak of breek. .<\/span> HW de Jager is \u2019n geoktrooieerde finansi\u00eble ontleder by <\/b>PSG Wealth in Cecilia Square, Paarl by <\/b>HW.deJager@psg.co.za<\/b>..<\/span> Die inligting in hierdie dokument is algemene inligting. Dit is nie finansi\u00eble, belasting-, regs- of beleggingsadvies nie en die maatskappye in die PSG Konsult Groep waarborg nie die geskiktheid of potensi\u00eble waarde daarvan nie. Aangesien individuele behoeftes en risikoprofiele verskil, stel ons voor dat jy jou gekwalifiseerde finansi\u00eble adviseur raadpleeg indien nodig. PSG Wealth Financial Planning (Pty) LTD is gemagtigde finansi\u00eble diensverskaffers. FDV 728<\/i><\/p>\n","protected":false},"excerpt":{"rendered":" As dit kom by die bestuur van beleggings, is verskeie aspekte binne beleggers se beheer, maar sommige is buite hul beheer \u2013 die beweging van die mark oor die korttermyn is iets wat buite ons beheer 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