Qinisekisa iziqinisekiso zomcebisi wezezimali kwaye ukhangele izikhalazo ngaphambi kokuba wenze ishishini.
Musa ukwenza ishishini kunye nomcwangcisi wezezimali, umcebisi wezemali, umcebisi-mali, okanye umthengisi, ngaphandle kokuba uhlole ingxelo yokukhalaza kwabo kuqala, kwaye uqinisekise ubungqina bazo.
Uyenza njani oku? Ngeendlela ezimbini ezilula.
Okokuqala, Buza ukuba yiyiphi i-Arhente, okanye iiAgencies, Ukujongana neRhwebo labo
Impendulo kufuneka ibe yi-FINRA okanye i-SEC. I-FINRA imele iGunya loLawulo lwezeMali. I-SEC igxininisa iKomishoni yokuThengisa nokuTshintshana.
- Ukuba impendulo ngu-FINRA, umcebisi uya kubamba uhlobo oluthile lwelayisenisi yokubambisa, okanye mhlawumbi iimvume ezininzi. Ungasebenzisa uphawu lwe-BrokerCheck kwiwebhusayithi ye-FINRA ukubona ukuba kukho na izikhalazo kwifayili.
- Ukuba impendulo i-SEC, ungasebenzisa inkcazo yokukhangela Umcebisi wezeNtengiso kwiwebhusayithi yabo ukujonga bonke abacebisi kunye nenkampani abayisebenzelayo.
Abanye abacebisi bezemali, iifom zeengcebiso zezezimali, bangabhaliswa kunye nee-arhente zolawulo zombini.
Okwesibini, Buza ukuba Ziyiphi Iimpawu zoBugcisa abaziBambeleleyo
I-FINRA inekhasi elibizwa ngokuba yiNkcazo yoTyalo-mali yoLwazi oluPhakamileyo olubonisa uluhlu ngalunye olupheleleyo oluqhagamshelweyo kunye nentlangano enikezele ukutyunjwa. Unokusebenzisa eli phepha ukukhawulela kumbutho, khangela ukuba ngaba umcebisi unenkoqobo ebonisa ukuba anayo kwaye afunde okungakumbi malunga nokuba zeziphi iingqinisiso zithetha.
Ndikhuthaza abantu ukuba bafune abacwangcisi bemali abamba iCFP®.
Yiya kuQinisekisa iphepha lakho lokuCelwa kweCFP® lokuCwangcisa ukuba uthayiphe kwigama lomcebisi ukuze ufumane ukuba ngaba babenayo le nkcazo. Ngelishwa kukho amacala amaninzi amanqaku apho abantu abangahlambulukanga basebenzisa iziqinisekiso ezingenalo. Awufuni ukwenza ishishini nomntu ovakalelwa kukuba lolu hlobo lwenkohliso lulungile.
Yingakho kubalulekile ukuhlola.
Kukho nezinye iinkcukacha ezifanelekileyo zomcebisi ezisetyenziswa kwerhafu, utyalo-mali, i-inshorensi kunye neendawo zokucwangcisa umhlalaphantsi, njenge-CPA, CFA, ChFC, ne-RMA okanye i-RICP ngokulandelanayo.
Iimvume kunye neziqinisekiso zibalulekile. Kwakhona kubalulekile ukuqesha umcebisi onamava abasebenza nabantu abanjengawe. Funda ukuba yiyiphi imibuzo ekumele uyibuze xa uqesha umcebisi wezezimali ukuze uqiniseke ukuba ufumana umntu ofanelekileyo.
Ezinye izixhobo ze-intanethi
Esikhundleni sokucela umcwangcisi wezemali apho babhalisiwe khona, ungazifaka igama labo kwisibonelelo se-intanethi esibizwa ngokuba yiBrightscope, esiza kukubonisa apho zingamalungu, ziphi iilayisenisi abazibambe zona, kwaye ukuba zinayo nayiphi na into ebhengeziweyo yokuchazwa kwirekhodi.
Ungasebenzisa ezininzi iintlobo zeenjini zokukhangela kwi-intanethi ngokukhethekileyo kubacwangcisi bezezimali abaza kuluhlu kuphela abacebisi abaye baphumelela isheke-siseko esisiseko-esichazela ukuba iziqinisekiso zabo ziqinisekisiwe kwaye abanalo inani elikhulu lezikhalazo kwifayile. Uninzi lweenjini zokusesha zivumela ukuba unciphise uphando lwakho ngendawo yokuhlala, indawo zobuchule, okanye indlela yokubuyisela.
Musa ukukhangela ezi ntlobo zemeko yokuhlola. I-15 ukuya kwemizuzu engamashumi amabini echitha inthanethi yintalo-mali enkulu xa uqesha umntu ukuba asebenze ngeemali zakho.