Cinga ngokuqesha umcebisi wezezimali njengomqeshi weGosa eliPhezulu lezeMali kwintsapho yakho. Ufuna ukusebenzisa inkqubo eqeqeshwe ukufumana umntu onokusebenzisana naye iminyaka emininzi. Ukufumana umntu ofanelekileyo okanye iqumrhu lingathatha ixesha elincinane kunokuvula nje iphepha eliphuzi, kodwa ukutyalwa kwexesha kuya kulungela ngokuxhomekeka koxolo lwakho lwengqondo ukuba uyaziqeshisa ngokufanelekileyo. Nazi iindlela ezisixhenxe ongayisebenzisa ukufumana umcebisi wezezimali ongcono kuwe.
01 Ukuqonda Iintlobo zeeNgcebiso zezeMali ezikhoyo
Abanye abacebisi ngezezimali banikezela iinkonzo zemicimbi yezezimali kodwa kungabikho ulawulo lotyalo; abanye balawula utyalo-mali, kodwa banikezela ukucwangcisa imali. Abanye banobungcali kwi-planning plan yokuthatha umhlala-phantsi ejoliswe kwisigaba sokusabalalisa (kulabo abasondeleyo okanye ekuthatha umhlalaphantsi) ngelixa abanye bajolise kwisigaba sokuqokelela (kubantu abatsha abaneminyaka elishumi okanye ngaphezulu kude nomhlalaphantsi).
Ukufumana umcebisi wezezimali ongcono kwiimeko zakho kufuneka uqonde ukungafani kwiintlobo zeenkonzo ezinokunikezwa, wazi ukuba uluphi uhlobo lweengcebiso eziyimfuneko , kwaye uyazi ukuba yiziphi iinkonzo umcebisi onokubonelela. Nantsi isishwankathelo esifutshane seentlobo ezintathu zentlawulo yenkonzo:
- Ucwangciso lwezemali lujolise kuyo yonke imiba yobomi bakho bezezimali njengokuba buninzi bokugcina, kwaye luhlobo luni ye-inshurensi oyifunayo-akukhona nje ngotyalo-mali.
- Iinkonzo zeengcebiso zotyalo-mali zijoliswe kwimisebenzi yolawulo lotyalo-mali, njengoluphi utyalo-mali oluthile kwiakhawunti. Ndiyakholwa ukuba i-investments engcono kakhulu ikhethwe kuphela njengenxalenye yenkqubo yokucwangcisa imali.
- Ucwangciso lwembuyekezo yengeniso lujolise kwindlela uququzelela ngayo zonke izicwangciso ezifana noKhuselo lweNtlalo, irhafu, utyalo-mali, ipensheni, umhla wokuthatha umhlalaphantsi, njalo njalo, ngoko bonke bahambelana nomgomo wokuhlawula imali yokuhlawula umhlala-phantsi.
02 Funa abacebisi ngezeMali ngeCreditentiable Reputable Credentials
Zonke iziqinisekiso azifani. Enye imibutho yenza ukuba kube lula ukufumana iimpawu zokufumana intlawulo ukwenzela ukuba abantu abathengisayo bahlawule umrhumo, bafumane "ubungqina" kwaye babonakale bengcali.
Ukufumana abacebisi okanye abacwangcisi bemali abaneziqinisekiso ezihloniphekileyo babhekisela kumntu onenkxaso yeCFP® okanye ye-PFS, okanye umcebisi-mali ophethe iCFA® yabo. Kwaye, ukuba usondele kufuphi nomhlalaphantsi, fumana umntu oqeqeshwe ngokukhethekileyo kule ndawo, njengeRMA okanye i-RICP.
Iziqinisekiso zifumaneka ngokugqithisa uviwo olubonisa ubuchule kwimiba. Ukugcina utyunjwa, umcebisi kufuneka alandele umgaqo-nkqubo wokuziphatha kwaye ahlangabezane neemfuno eziqhubekayo zemfundo.
Enye into onokuyijonga-jonga ukuba umcebisi onokuthi uyilungu le-NAPFA, elo liqela leelungu labacebisi-kuphela abacebisi imali abafuna imfundo eqhubekayo ehamba ngaphaya kwezinto eziyimfuneko.
03 Yazi ukuba Abacebisi ngezeMali bahlawulwa njani
Kukho iindlela ezininzi zeengcebiso ngezezimali, kodwa ngombono wam, abacebisi bezezimali abangenasiphelo bafumana imali kuphela. Ukuqesha umcebisi wezezimali ongcono kakhulu uya kuyidinga ukwazi zonke iindlela umcebisi wezezimali onokuthi ahlawulwe , njengokuhlawula imali e-asethi esekelwe, umrhumo wehora, ukuthatha inxaxheba kumashishini okanye ukuhlawula ireyithi yehora.
Kwaye uya kufuna ukuqonda umahluko phakathi komcebisi-kuphela umeluleki omele wena - kunye nabacebisi abangabikho imali kuphela abanokufumana ezinye iintlobo zokukhaba okanye ukuvuselela kwiinkampani zabo ngokusekelwe kwiinjongo zokuthengisa okanye iinjongo zokuthengisa.
Akukho nto ichanekileyo okanye engalunganga malunga neentlobo zembuyekezo ezahlukeneyo. Ngokomzekelo, ukuba uthengisa utyalo-mali oceba ukuyibamba ixesha elide, kwaye awuyi kulufuna uncedo oluqhubekayo, ukuhlawula ikhomishini inokuba yindlela ephezulu kakhulu yokuyithenga. Nangona kunjalo, ukuba unomnqweno wokuba umntu afumaneke ngokulula ukuhlaziya isicwangciso sakho sezemali kunye needilesi eziqhubekayo, isakhiwo semali esekelwe kwikhomishina ayinakulungele.
04 Sebenzisa ii-Engines zokusesha kwiSkrini kwiimpawu
Iinjongo zokukhangela kwi-intanethi zingaba yindlela enhle yokunciphisa ukukhangela kwakho kubacebisi abakwikhowudi yakho ye-zip, unayo iziqinisekiso ozifunayo, okanye uhlawule ngendlela ethile njengezinga leyure, okanye usebenze njengemali kuphela (intsingiselo akukho khomishini).
Inye nganye yeenjini ezi- 5 ezikuloluhlu ikuvumela ukuba ufake iinkcazo ezithile malunga nohlobo lomcebisi owukhangelayo - njengeziqinisekiso zabo kunye nendlela yokubuyisela - uze ufune abacwangcisi bemali kwindawo yakho abahlangabezana nale miqathango.
Ngokubhekiselele kwindawo, gcinani engqondweni, iifemu ezininzi zisebenza nabaxhasi kude. Ikuvumela ukuba ukhethe umcebisi ngokusekelwe kobuchule kunokuba indawo. Iseshishini sam sigxile ekucwangciseni umhlala-phantsi, kwaye nangona sise-Arizona, sisebenza kunye nabaxhasi kulo lonke ilizwe. Akuyena wonke umntu olungeleyo ukusebenza ngokude, ngoko kufuneka unqume ukuba kubaluleke kangakanani ukuhlala etafileni yegumbi lesiganeko, okanye ukuba kusebenze ngeentlanganiso zekhompyutha kuya kwamkeleka.
05 Buza le mibuzo ngaphambi kokuba uzuze
Imibuzo elungileyo inokukunceda ukhula nabeluleki bezezimali ongaziqhagamshelana kakuhle nabo, okanye abangaqhelekanga basebenze nabaxhasi njengabo.
Ndidale uluhlu lwemibuzo emihlanu yodliwano-ndlebe enokukunceda ukwazi ukuba umcebisi wezezimali uthetha njani, kunye nommandla wabo wobuchule kunye nabaxhasi babo abafanelekileyo. Isiphambili kuyo nayiphi na umbuzo oyicelayo ukuqinisekisa ukuba uyayiqonda impendulo, okanye ukuba awuyiyo, qi niseka ukuba uziva ukhululekile ukucela imibuzo yokulandelelana.
Omnye umbuzo ndibonayo ukuphakanyiswa kwamanye amanqaku ukucela umntu ngokubhekiselele. Ngenxa yemigaqo yobumfihlo, abacebisi abaninzi abanakukwazi ukunika amagama abanye abaxumi-kwaye nokuba benako, baya kuphela ukukunika amagama abantu abaza kuthetha izinto ezilungileyo ngabo. Kwakhona, ngaba uyazi imimiselo evimbela abacebisi ngezezimali ukuba basebenzise ubungqina? Yinyani! Abacebisi abanako ukusebenzisa okanye ukwabelana ngeengcaphuno ezichanekileyo, mbulelo, okanye iileta zengcebiso ezithunyelwe kubo kubaxhasi babo.
Kukulungele ukubuza imibuzo yakho eyithetha into ethile kuwe. Ndandile abantu beza kwaye bafunda imibuzo kwiluhlu apho bekucacileyo ukuba babengayiqondi into ababeyicelayo. Musa ukwenza oku! Sebenzisa imibuzo oyiqondayo.
06 Qinisekisa iCredentials, Hlola izikhalazo
Ukuze uqiniseke ukuba umntu uvumelekile kwaye unerekhodi elungiselela inkonzo ngaphambi kokuba uwaqeshe; uqinisekise ubungqina bokuba ngumcebisi wezezimali kunye nomlando wesikhalazo ngokujonga iirekhodi zabo kwi-FINRA, i-SEC, iBhodi yeCFP®, okanye kunye namanye imibutho yobulungu umcebisi unxulumene nayo.
Esinye isayithi e-intanethi, i-Brightscope, inokukunceda ubone lula ukuba yimiphi imibutho engumcebisi ibhaliswe kunye nokuba ingaba naziphi na izinto ezichazayo okanye izikhalazo eziye zabika.
Izikhalazo zabathengi eziqhelekileyo zihlala kwiirekhodi zabacebisi ngezezimali ixesha elide. Ukuba umcebisi unesikhalazo esingathethi ukuba uyabalawula. Ngethuba umntu esele eseshishini, mhlawumbi baya kuba nekhalazo esisodwa kwirekhodi yabo. Ukuba umntu unezikhalazo ezininzi, unokufuna ukuqhubeka ukhangela.
Uninzi lweziganeko zokusesha kwi-intanethi ezikhankanywe kwisinyathelo esithandathu senza yonke le mvelaphi ikuhlolisayo kwaye ibonise iziphumo zabacebisi abaye bahlolwa ngaphambili ukuba babe neenkcukacha ezifanelekileyo kunye nabaye baphunyezwa ngaphandle ukuba banenani elingaphezulu kwezikhalazo.
07 Funda indlela yokwenza iingozi zobungozi
Ukukhwabanisa kulula ngokukhawuleza xa umntu egcina i-asethi yakho. Ukuze ugweme ukugcinwa kwemali yabathengi abaninzi abacebisi bezezimali abahloniphekileyo baya kusebenzisa oko kubizwa ngokuba ngumgcini wesithathu ukugcina impahla yakho. Kuthetha ukuba iakhawunti zakho ziya kuvulwa kwiziko elikhulu, eliyaziwayo njengeCharles Schwab okanye i-Fidelity; umcebisi uya kuba nako ukubeka iinkonzo kwaye unikele ngenkonzo kwi-akhawunti - kodwa ngumgcini-mgcini obika iingxelo kuwe, uqinisekisa izityinithi, nokunye okuninzi.
Qaphela abacebisi okanye iifemu ezinokugcina imali yakho, okanye enye inkampani ehambelana nayo ekhonza njengomgcini-wendlela - ukuba uBelnie Madoff wakwazi njani ukukhupha isicwangciso sakhe ngempumelelo.
Kwakhona, thatha amanyathelo okuqapha xa uthetha nabacebisi okanye amafemu abambisene nabo abanye utyalo-mali okanye ezinye iifemu ezicebisa zona. Isakhiwo sobunini kunye nawaphi na amanyathelo achaphazelekayo kufuneka abhalwe kwixwebhu lokuchazwa kwenkampani elibizwa ngokuba yi-ADV Part Two.
Ukuba ezi zihlandlo ezisixhenxe zibonakala zifana nomsebenzi omningi, yima kwaye ucinge yonke imvelaphi ithengisa ishishini ngaphambi kokuba wenze umvuzo. Uqesha umntu ukuba ancedise ngento ebalulekileyo yekamva lakho; ezi nyathelo ezi sixhenxe ziyakunceda wenze ukuqeshwa okulungileyo.