Fumana uMcebisi-mali oLungileyo kwiNgxaki yakho
Kule nqaku, siza kujonga indlela yokufumana umcebisi-mali wehlabathi-mali, eminye imibuzo ebalulekileyo ukuyibuza, kunye nezinye izinto ezibalulekileyo.
Ukufumana uMcebisi wezeMali oLungileyo
Kukho iindlela ezininzi ezahlukahlukeneyo zokufumana umcebisi wezemali, kodwa ukufumana abacebisi ngezobugcisa bamazwe ngamazwe kunokuba nzima. Oku kuyinyaniso xa uhlala kwisixeko esincinci apho kunokungabikho ukhetho oluninzi. Iindaba ezilungileyo kukuba unokhetho kwimeko nganye.
Indawo efanelekileyo yokuqala ukukhangela abacebisi ngezezimali yi-CFP Lets Make Website Plan, eyenza kube lula ukukhangela abacebisi bentengiso abavunyelweyo. Iwebhsayithi inika iinketho zendawo kunye neendlela zabo zokuhlawulela, iimfuno zokutsalwa kwezolimo, imbali yoluleko kunye ne-biography emfutshane. Kwinqanaba lezodwa, unokujonga utyalo-mali lwamazwe ngamazwe kunye naziphi na ezinye iimfuno ezibalulekileyo.
Ukuba akukho bacebisi bezezimali belizwe elikuloo ndawo, unokufuna ukuqwalasela umcebisi wezemali ngomthonyama ngokubandakanya iimali zelizwe lonke kwiipotfoliyo yakho.
Abacebisi abaninzi bezezimali banamava afaka utyalo-mali lwamazwe ngamazwe kwipotifoliyo kwaye unokufumana iziphakamiso. Kubalulekile ukubuza imibuzo ukuqonda indlela yabo xa kufikelele ekutyalweni kwamanye amazwe kunye neengcebiso zezohlukeneyo .
Abacebisi bamaZwe ngamaZwe
Abanye abacebisi bezezimali belizwe lonke basebenzisana neengxowa-mali zabo zomnye ukuze banikele abathengi ukuba bangene kwiimarike zamazwe ngamazwe.
Kule meko, abatyali-mali bangathengisa imali ngokubambisana ngqo naba bacebisi ngaphandle kokuba babe ngabaxumi. Abacebisi abaninzi baninzi kwiindawo ziyaziwayo iinkampani, njengeSchwab, Fidelity, kunye neVanguard , kodwa ungaphinda ufune ukuqwalasela abacebisi abancinci abaye bafaka i-niche.
Abanye abacebisi bentsha-mali abancinci bamazwe ngamazwe abandakanya imali:
- I-Oakmark: Umcebisi ugxile ekusebenziseni ifilosofi yentengiso kunye nenkqubo ekujoliswe kuyo ekufumaneni amathuba okuxabisa. Iimali zihlala zingaphantsi kwama-securities angama-75 ngelixa ulawulo luninzi 'lolusu kumdlalo'.
- I-Hartford: Umcebisi ugxile kwi-investment centric, oku kuthetha ukudala iimali ezifanisa iinjongo zokutshala imali. Ngokomzekelo, ii-ETF ze-beta ezicwangcisekileyo zenza kube lula ukwenza izicwangciso ezinobungozi.
- I-Domini: Umcebisi ugxile kwi-investing enoxanduva loluntu ehlabathini lonke, okubandakanya ukufuna iziphumo ezintle zezentlalo nezosingqongileyo kunye nokubuyiselwa kwemali yokuncintisana kwabathengi.
Unokufumana uluhlu lweemali eziphathekayo usebenzisa iiwebhsayithi ezifana ne-USNews okanye iifowuni ezixhasayo ze-mutual fund ezifumaneka kwi-Morningstar nakwezinye iiwebhusayithi.
Imibuzo yokubuza abacebisi
Emva kokuba ufumene umcebisi wezezimali, uya kufuna ukuxoxisana nabo ukuba baqinisekise ukuba bafanelekile ngokufanelekileyo kwaye bafanelekile iimfuno zakho.
Ngokuqhelekileyo iinjongo ezilungileyo ukuhlangabezana nabacebisi bentengiso "ubuso nobuso" ukuqinisekisa ukuba uya kuhamba kakuhle.
Eminye imibuzo ebalulekileyo ukuyibuza iquka:
- Nguwuphi na amava onayo ekutyala imali ngamazwe ngamazwe?
- Yiziphi iilayisensi ozibambayo? Ngaba ubhaliswe kunye neSibini, urhulumente, okanye i-FINRA?
- Uhlawulwa njani iinkonzo zakho? Iyiphi izinga okanye ikhomishini?
- Ngaba uke waqeqeshwa nguwuphi na umlawuli wekarhulumente okanye ulandelwa ngumthengi?
- Ungandithumela ikopi yamacandelo omabini eFomu ye- ADV yakho ?
Kubalulekile ukwenza ukunyamekela kwakho ngokuqinisekileyo ukuba umcebisi-mali ulungelelanisa iimfuno zakho. Ngokukodwa, kufuneka ufumane abacebisi abhalisiweyo ngokufanelekileyo, basebenzise imali yentlawulo (bangahambisi umyalelo), kwaye bakhululeke kwiimbali zengxelo kunye nabalawuli kunye nabaxhasi.
Xa ucinga ngemali, kufuneka ulande i- prospectus yesikhwama ngasinye ukuze ufunde kabanzi ngengozi yengxowa-mali kunye neprofayili yomvuzo.
Kungaba yinto efanelekileyo yokubiza umnxeba onomdla ukuba ufunde kabanzi malunga nendlela yawo kwaye uqinisekise ukuba kulungile.
Ngaphantsi
Abacebisi bezezimali belizwe lonke banokunceda abatyali-mali ngabanye ukuba bakhe ukuveliswa kweemarike zangaphandle kwiiposfoliyo zabo. Abaningi abacebisi-mali-mali baqhuba iimali zabo zodwa, ezinokukunceda abatyali-mali ukuba bafumane ukuhamba ngaphandle kokuhamba nomcebisi wezemali. Ngaphambi kokuba utyalole kule mali, kubalulekile ukwenza ukunyamekela kwakho ngokuqinisekileyo kwaye uqinisekise ukuba yonke imibuzo yakho iphendulwa kwaye iimali zilungele kakuhle iphothifoliyo yakho.