Kungaba nzima ukufumana isicwangciso sezimali esilungileyo kwiimfuno zakho. Umcebisi wezezimali uya kuqonda iinjongo zakho kwaye anike iingcebiso ngeendlela ezilungileyo zokufikelela kuzo. Kufuneka ube ngumtshato ovulekile apho uziva ukhululekile ukubuza imibuzo.
Bhala phantsi iinjongo zakho zemali
Xa uvakalelwa ukuba ulungele ukufumana umcwangcisi wezemali, kufuneka uqale uzilungiselele ukuze ufumane enye eya kukunceda ufezekise iinjongo zakho. Thatha ngokuhlwa ubhale phantsi iinjongo zakho eziphambili. Zama ukubhala apho ufuna ukuya kwiminyaka emihlanu, kwiminyaka elishumi, kwaye kwiminyaka engamashumi amabini. Bhala ezinye iinjongo malunga nomhlalaphantsi. Ukuba kunika ukubaluleka kubalulekile kuwe, bhala phantsi iinjongo zakho malunga nokukwazi kwakho ukunika imali kwixesha elizayo. Ukuba uthatha amanyathelo amahlanu, uya kuba nesicwangciso sezemali esisebenzayo onokuxoxa ngayo nomcwangcisi wezemali.
Thatha ixesha lokufuna uMcwangcisi wezeMali oQondayo
Uya kufuneka uqale ukukhangela umcwangcisi wezemali.
Enye yezona ndlela ezilungileyo zokwenza oku kukubuza abantu obaziyo nokuzithemba. Ngokufanelekileyo kufuneka ucele umntu onenjongo kunye nezicwangciso ezifanayo malunga nemali. Oku kuya kukunceda ufumane okufanelekileyo. Unokuba usesimweni apho unokufuneka ufumane isicwangciso ngokupheleleyo sakho. Unokufumana enye ngebhanki yakho yasekuhlaleni , iqumrhu lokuthengisa umrhweba okanye ngokusebenzisa inhlangano engcali, njenge-Financial Planning Association.
Ukuphonononga ulwazi malunga nabaCwangcisi abahlukeneyo kunye neeNkampani zoTyalo-mali
Hlanganisa ulwazi kubacwangcisi abaningana ngaphambi kokuba unqume ukuba ngubani ozoxoxa naye. Abaninzi abacwangcisi bemali banomvuzo okanye ubuncinci bentengo omele udibane phambi kokuba basebenze nawe. Abanye baya kubeka ingqalelo kwimimandla eyahlukeneyo, njenge-shishini elincinci, ukucwangcisa umhlalaphantsi kunye nokucwangciswa kwempahla. Ezi ncwadana kufuneka zichazele nayiphi na iirhafu kunye / okanye iikomishoni ezihlawulwa ngumcwangcisi wezemali.
Udliwano-ndlebe nabanye abaCwangcisi bezeMali
Unokudliwano-ndlebe nabacwangcisi bezezimali ngaphambi kokuba ukhethe enye. Kufuneka ufumane umcwangcisi wezimali oziva ukhululekile kunye naye ophulaphulayo kunye neemfuno zakho. Umcwangcisi wezezimali unokuphakamisa iimveliso kunye neenkonzo kukukunceda ufezekise iinjongo zakho, kodwa akufanele ukukuphoqa ukuba uthathe utyalo-mali oluthile. Kwakhona, umcwangcisi wezemali kufuneka ahlale ekwazi ukunichazela ukuba kutheni utyalo-mali luhle, kunye naluphi na umngcipheko ochaphazelekayo. Ukuba uyayenqaba okanye ufumana ukuphikisana naye, kufuneka ufumane esinye isicwangciso semali.
Qalisa utyalo-mali
Kufuneka udibane nomcwangcisi wezimali okhethiweyo uze uqale utyalo mali. Emva kokuba wenze oku kufuneka uqhubeke udibana nomcwangcisi wakho wezimali ngonyaka.
Ukongeza unokudibana naye xa usenza iziganeko zokutshintsha ubomi, ezifana nomtshato, unomntwana kunye nomtshato. Iinjongo zakho zinokutshintsha ngokuhamba kwexesha, kwaye kubalulekile ukuthetha ngokucacileyo ezi njongo kunye nomcwangcisi wakho.
Iingcebiso:
Abaninzi abacwangcisi bemali baya kuqonda kwaye bagxininise ukubaluleka kokufumana imali yokugcinwa kwemali yengxamiseko . Oku kuthetha ukuba kufuneka ube neengeniso ezinyangeni zengeniso kwi-akhawunti yokulondoloza elula ukufikelela xa ulahlekelwa ngumsebenzi wakho okanye enye inkxwaleko engxamisekileyo yenyuka. Oku kuya kukuvumela ukuba ushiye imali oyibekele yona yodwa.
Abacebisi bezezimali kufuneka bajonge yonke imifanekiso yakho yemali. Bangenza iziphakamiso kwipesenti yengeniso yakho ukutyalomali, ukujongana neemfuno zakho ze-inshurensi, ukulawula ingozi yakho kunye neerhafu zakho. Kubalulekile ukuqwalasela ngenyameko le ngcebiso, kodwa kufuneka ukhululekile nangayiphi na imveliso oyikhethayo.
Kufuneka uqwalasele nendlela umcwangcisi wakho wezimali ohlawulwa ngayo. Ukuba kukho kuphela ekumiselweni, ngoko kufuneka uyenze loo nto ingqalelo. Umcebisi wezezimali uya kuqonda ukuba ngokwenza iziphakamiso ezisekelwe kwiimfuno kunye neenjongo zakho, ukuba uya kukugcina njengomthengi, kwaye akwazi ukufumana ama-commissions amaninzi nakwixesha elizayo. Khawuqwalasele ngononophelo imveliso oyinikezelwayo.
Kufuneka ukwazi ukuqonda ngokupheleleyo utsalomali ngaphambi kokuba wenze. Kufuneka akwazi ukucacisa umahluko phakathi kweemali kunye neengxowa-mali, kunye nomngcipheko kunye nenani lokubuyiswa kotyalo-mali ngamnye. Ukuba awukwazi ukuqonda utyalo-mali okanye ukuba isicwangciso sakho singabonakali sikwazi ukuyichaza, unokufuna ukufumana umcwangcisi omtsha wezemali.