Igama elithi "umcwangcisi wezemali" kunye "nomcebisi wezezimali" uthetha into efanayo. Kodwa ngokuqinisekileyo akubona bonke abacwangcisi bemali okanye abacebisi ngezezimali ngokufanayo.
Umgangatho wemfundo, uqeqesho kunye namava ukuba uchwepheshe uya kwenza umda omkhulu kumgangatho weengcebiso ozifumanayo. Abanye abantu benza izicwangciso zabo zezezimali, abanye bafuna uncedo lobuchwepheshe. Umcwangcisi wezemali onamava unokukunceda ukuphucula umgangatho wezigqibo zemali ozenzayo.
Ukuba ucinga ukuqesha uncedo lobugcisa uza kufuneka ukwazi ukuba ungalindela ntoni kumcwangcisi wezemali, nokuba ungayichazela njani umahluko phakathi komntu othengisayo, kunye nomntu onika isiluleko socwangciso lwezezimali kwaye uphethe isatifikethi esivumelekileyo okanye utyunjwa. Ukuqeshwa kwabacwangcisi abafanelekileyo beqhinga kuqala ngokuqonda ukuba yiyiphi imigaqo yezemali, kwaye ukwazi ukuba ungalindela ntoni umntu onokumqesha.
Ziziphi izicwangciso zeMali
Ucwangciso lwemali yinkqubo yokuchaza iinjongo zakho zemali, ezifana nokwazi xa uya kulusebenzisa ukusebenzisa imali yakho, kwaye uza kuyisebenzisa ntoni, kwaye ubeke isicwangciso senzo kunye namanyathelo athile ofuna ukuwafumana ukuze ufezekise loo iinjongo.
Ukunika iingcebiso ezilungileyo umcwangcisi wezemali kufuneka abuthe iminatha yemali kunye nemali malunga nawe. Basebenzisa le datha ukudala izibonakaliso ezibonisa ukuba ungayifeza njani iinjongo zakho kunye nendlela onokuyenza ngayo. Ezi zicwangciso zisekelwe kwinqanaba leengcamango ezichanekileyo malunga nokunyuka kwamaxabiso, ukubuyiswa kwezobalo-mali, ubuninzi obungasindisa, kunye nokuba uza kuzuza phi kwaye uza kuchitha.
Ukuba uthendulana nomcwangcisi wezemali oqala ukuthetha ngotyalo-mali okanye umkhiqizo ngaphandle kokuqokelela kuqala idatha malunga nawe kwaye ubeka ndawonye izicwangciso zakho, mhlawumbi uthetha nomntu osebenza njengomntu othengisayo kunokuba ube ngumqeqeshi wezocwangciso lwezemali.
Yintoni uMcebisi wezeMali oPheleleyo
Umcebisi-mali omhle uya kunika iingcebiso malunga nazo zonke ezi zilandelayo:
- Oko kufuneka uyenze ngokuhlukile
- Kufuneka ukhulule kangakanani ukugcina
- Ziziphi iifom zokuhlala zomhlala-phantsi zokusetyenziswa (IRA, Roth, 401 (k), njl.)
- Yiyiphi uhlobo lokuthenga imali omele uyenayo, ukuba ufanele uyihlawule, okanye uhlaziywe
- Uhlobo luni kunye nenkokhelo engakanani oyifunayo (oku kuya kubandakanya i-inshorensi yobomi, inshuwalense yexesha elide, ukukhubazeka, kunye nabacebisi abathile banika iingcebiso kwipropati kunye nokubulawa kwe-inshurensi yezempilo)
- Ingakanani ukugcina kwingxowa-mali yakho engxamisekileyo
- Ziziphi iinguqu ezinokuphucula imeko yakho yerhafu
- Yiyiphi izinga lokubuya oya kulufumana ukuze ufezekise iinjongo zakho phezu kwexesha elithile
- Ingaba kunengqiqo kuwe ukuba unciphise kamva ebomini
- Yiyiphi inqanaba lomngcipheko wotyalo-mali olufanelekileyo kwiintlobo ezahlukeneyo zeakhawunti
Ukongezelela, abaninzi abacwangcisi bemali banikela ngeengcebiso zokucwangcisa umhlaba kunye neenkonzo zokucwangcisa irhafu. Buza umcwangcisi wezemali ukuba zeziphi izinto ezikhankanywe ngasentla, kwaye zibuze ukuba zibeka iingcebiso zabo ngokubhaliweyo.
Ukufumana iingcebiso kubhala njalo, kukungabikho mbuzo malunga nokuba yiyiphi inyathelo eliye lacetyiswa.
Umcebisi-mali omhle akayi kwenza iingcebiso aze aqonde iinjongo zakho kwaye asebenze isicwangciso semali eside ixesha elide kuwe. Ukuba udibana nomntu oqala ukuthetha ngomkhiqizo wezezimali ngokukhawuleza, nokuba ngaba bazibiza ngokuba ngabacwangcisi bemali, banokuthi banokuthi bathengise imali. Umcebisi-mali omhle uya kufuna ukuqokelela iingxelo zeakhawunti kunye nedatha kuzo zonke iinkalo zobomi bakho bezezimali.
Abaxhasi bezeMali
Uya kufumana ukuba izakhiwo zemali ziyahluka. Abacwangcisi bezemali ngokuqhelekileyo bahlawula irhafu ngeendlela ezilandelayo:
- Ireyithi yehora
- Imali esicacileyo yokuzalisa iprojekthi ethile
- Imirhumo yekota okanye yonyaka yokugcina
- Imirhumo ehlawulwa njengepesenti yezinto eziphathekayo egameni lakho (Ngokuqhelekileyo naphi na i-2.0% ngonyaka ukuya kwi -50% ngonyaka. Iimpahla ezingaphezulu, unomvuzo ongezantsi.
- Iikhomishini ezihlawulwa zona ezivela kwimali okanye ngempahla ye-inshurensi oyithengayo
- Ukuhlanganiswa kwemirhumo kunye neekomishoni
Njalo ucele umcwangcisi wezemali ukuba achaze kakuhle indlela abahlawulwa ngayo. Ukuba basebenza njengomcebisi-mali obhalisiweyo kufuneka banikeze ngexwebhu lokubhengeza elibizwa ngokuba yi-ADV Part Two, eliza kunika iinkcukacha kuzo zonke iirhafu kunye naziphi na iingxabano zomdla.
AbaCwangcisi bezeMali kunye neNgcebiso ngezoTyalo-mali
Iseluleko sotyalo-mali sinokuvela kwiindululo eziqhelekileyo malunga nokuba uluhlobo luni lolwabiwo-mali omele ululandele, kwiingcebiso ezithile zokuthengisa kunye nokuthengisa. Abanye abacwangcisi bezezimali banikezela iingcebiso zentengiso kunye neenkonzo zokulawula utyalo-mali ngaphezu kwenkqubo yokucwangcisa imali. Cela umcebisi wezezimali ukuba ngaba banikezela ngcebiso ekhethekileyo yotyalo-mali okanye unikezela ngeenkonzo zokucwangcisa.