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雙嬴管理模式
要作有效的投資組合管理，除了需詳細了解上述的財富增值要訣外，還需配以合適的收費模式。非傭金收費的概念由歐美先進國家引進，目標是將理財顧問與客戶之間的利益衝突減至最低。
現今歐美大約有25%的專業理財策劃師使用傭金收費，約23%使用非傭金收費，41%使用非傭金和傭金的混合形式收費，其餘的11%則使用月薪或其他收費形式。
採用非傭金收費的理財顧問在建議客戶作出特定的投資決定時，不會收取任何傭金,他們會分析當時的市場形勢,向客戶建議專業的投資意見。因此，非傭金收費將會成為市場的新寵兒，讓投資者及理財顧問彼此達至雙嬴的局面。
「假如您有美元 $50,000 作投資用途，您宜聘請壹個用非傭金收費模式的理財顧問，理財顧問會為您作定期組合評估及資產配置，為您的利益著想，而並非為求賺取傭金。」
美國證券交易委員會前任主席 Arthur Levitt
1. 與客戶建立長久互信的關係
理財顧問收費與客戶資產價值直接掛勾，確保理財顧問根據投資者不同的理財目標及可承擔風險，為每位投資者建立合適的投資組合。
2. 為您的財富增值
由於投資者可隨時作基金轉換，而毋須考慮傭金，可在短時間內作出投資決定，掌握每壹個入市良機。
3. 提供更全面的投資建議
非傭金收費模式的好處是在於減低理財顧問與客戶之間的利益衝突。在這個大原則下，理財顧問可更有效地為客戶進行資產配置、分散投資、挑選基金及定期組合重整，為客戶達成理財目標。
Fee-Based is a fixed percent of management fee. No commission will be charged. The concept of fee-based compensation was once introduced from the developed Western countries.
Nowadays, about 25% of CFPs are commission-only, 23% are fee-based, 41% are using the combination of fee and commission) and the remaining 11% receive their compensation through salary or some other method Fee Based Investment Advisor works solely for their clients' best interest. They do not accept commission or receive any compensation for recommending specific products. This enables clients to receive investment recommendation from their Investment Advisors. Some of the advantages of using Fee-Based account are identified as followed:
"If you have more than $50,000 to invest, you should fire your broker and find an investment advisor. Brokerage firms would like you to think they perform the same functions as investments advisors.” “Financial planners …submit their work to peer review and are not supposed to charge anything but a fee ”
Former Securities and Exchange Commission (SEC) Chairman
Arthur Levitt
1. A Life Relationship with Clients
The advisor fee will be directly proportional to client's total asset value, therefore conflict of interest between financial advisors and their clients could be minimized, result in a win-win situation for long term relationship. They will help their client to formulate highly personalized investment strategies based on their investment goals and pre-determined risk.
2. Maximizes Wealth
You can enjoy the freedom of fund switching without commission. This offers you flexibility. You can make your fund portfolio strategically geared towards the latest market conditions to enhance your overall portfolio performance.
3. Comprehensive Advice
The advantage of fee-based charging structure is to minimize any conflict of interest between financial advisors and their clients. Under this charging structure, financial advisor will tailor-made investment portfolio for their clients through effective asset allocation, diversification, regular rebalancing and fund selection.
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