Unokubuza malunga neenkcukacha kunye namava, kodwa ekubeni uqesha umntu onobungcali ongenalo, kungenzima ukufumanisa ukuba ngaba bathetha kakuhle, okanye ukuba banempawu ezifanelekileyo zomsebenzi.
Ukukunceda ukuba ubone "intetho yokuthengisa", ndiqulunqe uluhlu lwemibuzo emihlanu yodliwano-ndlebe. Imibuzo yenzelwe ukuba ukwazi ukusebenzisa iimpendulo zokufumanisa iimpawu ezifana nobuchule kunye nezakhono zonxibelelwano; iimpawu zonke iingcebiso ezifanelekileyo zemali.
Unokubuza le mibuzo phezu kwefowuni malunga nemizuzu engama-15, kwaye ke uyisebenzise ukukunceda phambi kwesikrini abacebisi bezezimali abanokubakho, okanye unokubabuza ubuso nobuso.
1. Cela umcebisi ngezeMali ukuba akuxelele ngeKlayenti yakhe
Nawuphi na umcebisi wezezimali olungileyo uya kuba nenkalo yobungcali. Ufuna umntu onolwazi ngokusebenza nabantu abanjengawe. Ukuba uhlala ushiye umhlalaphantsi, kwaye bakuxelela ukuba basebenzelana neentsapho ezincinci, mhlawumbi lo akusiyo umntu kuwe. Fumana umcebisi wezezimali ogqibeleleyo umxhasi ozwakala kakhulu efana nemeko yakho ngokweminyaka yobudala, isigaba sokuphila, kunye ne-asethi.
2. Cela Umcebisi wezeMali oNokwenzeka ukuba ude kangakanani na okanye usebenze
Ngokomntu, andiyi kuqesha umcebisi wezemali oneminyaka engaphantsi kweminyaka emine esebenza njengomcwangcisi wezemali.
Uthetha ngokulondoloza ubomi bakho. Umcebisi onokuthi unokufumana unyaka wamava njengeCPA, okanye kwi-mortgage okanye kwibhanki, kodwa oko akuthethi ukuba baneengcali zokunika iingcebiso ngezezimali apho indawo nganye ithinta omnye.
Amashishini amaninzi amanqanaba afuna ukuqeqeshwa okanye ukufundela ngaphambi kokuba uhlolwe njengengcali, kodwa njengokuba iseshishini lesevisi yezemali ayinayo imfuno enjalo, ukuze uzikhusele, kufuneka ubeke umgangatho wakho.
(Kuba umcebisi wokufumana i-CFP ®, ngoku kufuneka babe neminyaka emithathu yamava asebenzayo.Siyakuvuyela kwibhodi yeCFP ® yokuphakamisa ibha.)
Kanye kunye namava eminyaka, unokuba unqwenela ukubuza umcebisi ukuba yiziphi izifundo abanomdla kakhulu ekuphandeleni. Iimpendulo zabo zimele zibonise izifundo ezifanelekileyo kumxhasi wazo. Ukuba bathi basebenzisana nabathathe umhlalaphantsi, kodwa banomdla kakhulu kwiimali zorhwebo ngokuzenzekelayo, okumele kukukhathalele. Imfundo eqhubekayo yomcebisi kunye neemfuno zomsebenzi kufuneka zihambelane nomhlobo wabaxhasi abasebenzisana nabo.
3. Cela umcebisi ngezeMali ukuba achaze iNqununu kuwe
Yintoni okhangela apha, ngaba uyayiqonda yabo inkcazo? Ukuba bathetha ngaphezu kwentloko yakho, okanye impendulo yabo ayinakuqonda, cela ukucaciswa. Ukuba awuyiqondi impendulo, uze uqhubeke. Ufuna ukusebenzisana nomntu onokuchazela iingcinga zemali kuwe ngolwimi ongaqondayo.
Ngaphantsi kwemibuzo emihlanu engqiqweni yokuqwalasela ukubuza:
- Yintoni engabonakaliyo kunye nokutyalomali olusebenzayo?
- Unokwenza njani ukuba unjani ukuba imali yam ingaba yintoni kwiimpahla kunye nezibophelelo?
- Yiyiphi iphothifoliyo yesikhonkco?
- Unokwenza njani ukuba ungakanani imali endikukhupha ngayo ngokuphepha unyaka ngamnye ngaphandle kokuphuma?
- Ucinga ntoni ngeempesheni?
4. Buza malunga Neengcinga eziSebenzisiweyo xa kuqhutyelwa iziCwangciso zokuHlala koMhlala-phantsi
Ukuqulunqwa komsebenzi wokuthatha umhlala-phantsi kukunceda ubone ukuba uza kuba nemali engakanani ukuchitha yonke iminyaka, ukususela ngoku ngokuhlala kwexesha lokuphila. Ukuqwalaselwa kusekelwe kwiingcamango malunga nomyinge wokubuya apho i-asethi yakho ikhula, isantya sokunyuka kwamaxabiso, kunye nemigangatho yakho yokuchitha imali.
Ufuna umntu osebenzisa isicatshulwa esilondolozayo; emva kwakho konke, ungathanda ukuphelisa ngaphezu kwezinto ezicetywayo, kungekho ngaphantsi. Isilinganiselo esilungeleyo sokubambeka siya kukhulisa iimpahla zeemali kwi-5 ukuya kuma-6% ngonyaka, kusetyenziswa izinga lokunyuka kwamaxabiso e-3% (ezithetha ukuba iindleko zomntu zikhuphuka ngo-3% ngonyaka), kwaye, ukuba ixabiso leempahla eziza kuthengiswa kamva, basebenzisa kuphela i-2% yezinga lokukhula ngonyaka.
Ndibone izicwangciso zezemali ziqhuba ukusebenzisa i-12% yentlawulo yokubuyisela ngokulondoloza nokutyalomali ngelixa licinga i-2% yexabiso lentengo.
Nangona le setethi yeengcamango yenza ukuba ikusasa libukeke lihle, lenze ikholwe. Ufuna ukuqikelela okufanelekileyo ukuba wenze izigqibo ezifanelekileyo.
5. Buza indlela Umcebisi wezeMali oPhambili angahlawulwa ngayo
Isibalulekileyo apha kukuphulaphula impendulo ethembekileyo. Umcebisi wezezimali kufuneka azimisele ukucacisa ngokucacileyo zonke iirhafu oza kuzihlawulela zona, kunye nazo zonke iindleko oza kuhlawulela ezihambelana naluphi na utyalo-mali abacebisayo. Iimpendulo ezinjengokuthi "Inkampani yam iyahlawula," okanye "Awuyi kuhlawula nayiphi na into ephakamileyo lakho" ayivunyelwanga.
Ukuqonda ngokucacileyo kukuxelela ukuba ukunyaniseka komntu oyintloko kuya kuba sesandla esondla. Ukuba zihlawulwa ngokuthe ngqo ngeemali ezivela kuwe, njengoko kwimeko yomcebisi-mali kuphela-mali, ziya kuba ne-incentive yokunika iingcebiso kunye nenkonzo ehambelana neenjongo zakho. Ukuba zihlawulwa ngamakhomishina okanye iifizi ezicatshulwa kumthengisi-mboleki, ngoko ke ziqala kwaye ziphambili zibophelelwe kwimveliso yazo umthengisi-mboleki uyazikhetha ukuba zizisebenzise.
Imibuzo eyongeziweyo yokubuza
- Ibhodi yeCFP® inika isikhokelo esibizwa ngokuba yiMibuto Yokubuza Xa Ukhetha Umcebisi Wezezimali.
- Enye inhlangano, uMbutho weSizwe we-Personal Advisors wezeMali obizwa ngokuba yiqela lobulungu kubacwangcisi bezezimali kuphela abanikela isikhokelo esibizwa ngokuba ngumcebisi wezezimali ze-NAPFA kunye noTyebisi lwezeNgcaciso zezeMali.
Xa ubuza imibuzo, musa ukubuza imibuzo ongayiqondi. Kuya kuba bhetele xa unquma kwisethi yemibuzo oyifunayo ngamazwi akho. Le yindlela efanelekileyo yokuqiniseka ukuba unokufumana iingxoxo eziqhelekileyo, iingxoxo zabantu kunye nomntu oya kuqesha.