Isikhokelo kuNgcaciso lwezakhono kwiCandelo loCwangciso lweKholeji

by Ken Clark

Kwabazali abanolwazi olusebenzayo lweeakhawunti ezahlukeneyo zokulondoloza iikholeji, ukubeka izicwangciso zakho kwizenzo kunokuzivakalela. Ukuqeshwa kwabaqeqeshi abathembekileyo kunokuthatha ubuninzi beengcinezelo kubazali abasele bephethe ubomi obuxakekile.

Kodwa ukhetho lochwepheshe luyakwazi ukufana nomsebenzi onzima kunye nodidekayo. Kukho abantu abaninzi abathi bangengcali, abaninzi babo abanegunya lokumemezela ngokusemthethweni emva kwamagama abo. Kukho na amaninzi amabali adibeneyo malunga nabazali abaxhatshazwa ngamakhulu okanye amawaka eedola ngabaqeqeshi abangazange benze njengokupapashwa.

Nantsi i-primer kwezinye zeenkcukacha ezithembekileyo ongathanda ukucinga ukuba uthengela uncedo.

01 I-Financal Planner eqinisekisiweyo (CFP)

Udumo lweCFP mhlawumbi lubizwa ngokuba luqeshwe ngokubanzi kwicandelo locwangciso lwezemali, kwaye ngenxa yezizathu ezifanelekileyo. Ukuze ube ngumCwangcisi wezeMali oQinisekisiweyo, umntu kufuneka abe ne-degree-bachelor degree, azalise iinyanga ezili-18-24 zokufunda, kwaye adlulise iimviwo zokufumana ilayisenisi.

Ukongezelela, iBhodi yeZiko leMigangatho yeCFP isabela ngokukhawuleza kwizikhalazo malunga nabaphathi beelayisenisi. Akuqhelekanga ukuba iBhodi ikhuphe iilayisensi zalabo bafunyenweyo abenza ngaphantsi kwemigangatho yoqeqesho.

Nangona kunjalo, ngelixa i-CFP inokuqeqeshwa ngokubanzi kwinkqubo yezemali kunye nenkqubo yokutyalomali, abafumani qeqesho olupheleleyo kwinkqubo yekholeji. Ngoko kukulungele ukuqwalasela i-CFP ngokubhaliweyo njengomgangatho omncinci wezobugcisa bokucwangcisa uqeqesho. Ngokufanelekileyo, ukuba ukhetha ukuqesha i-CFP, uya kuba neenkcukacha ezongezelelweyo okanye amava amaninzi asebenzayo kunye nocwangciso lwekholeji.

Iimpawu ezibizwa ngokuba zizifundo ezincinci ezinokuthi ziqwalaselwe ngokulinganayo noluhlu olubizwa ngokuba yiCFP yi-Chartered Financial Consultant (ChFC) kunye nezoNgcaciso zezeMali zezeMali (PFS).

Indawo enokuqala ukukhangela i-CFP ikukhompyutheni yeBhodi yeeGangatho zeCFP, okanye ngokuqhagamshelana noMbutho woCwangciso lwezeMali weNgingqi.

02 I-Certified Planning Planning Specialist (CCPS)

Nangona isihloko ngokwazo sivakala ngokumangalisayo kwaye sisebenzisekile, imvelaphi yangempela kunye nokuqeqeshwa kwaba bantu ziyakwazi ukuhluka ngokubanzi. Ukufumana ilayisenisi ngokuya kwiwebsite ye-NICCP, umcebisi kuphela kufuneka abambe "nayiphi na ilayisenisi yemali."

Ekubeni ezininzi "ezilayisenisi zemali" ezamkelekileyo azifuneki kwizinga lekholeji, kucetyiswa ukuba kusetyenziswe umcebisi ngale nkcazo kuphela ukuba ngaba baqeqeshwa ngokubanzi kunye neziqinisekiso. Ukuba babambe le nkcazo kwaye abangekho mthengisi-mvume welayisenisi okanye umcebisi-mali-mali, abafanelekanga ngokusemthethweni ukuba banganiki icebiso lotyalo-mali.

Ukuba ungathanda ukufumana ubungcali ngeCCPS, ungayivakashela iwebhusayithi kwiSizwe seSizwe soBakroli abaQinisekisiweyo beKholeji.

03 I-Stockbroker okanye uMmeli obhalisiweyo

Ummeli obhalisiweyo, owaziwa ngokuba "ngumrhwebi", ungumqeqeshi otyalo-mali osebenza kwisikratshi seWall Street njenge Merrill Lynch. Ukuba ngumthengisi kufuneka kuthathe uvavanyo olunzima olubizwa ngokuba yiChungechunge 7, olubhekiselele kwimigaqo-mali.

Abasebenzi beStockbrokers bahluka ngokubanzi kwiinkalo zabo kunye nokugxila, kwaye banakho ukuqeqeshwa okuncinci okanye akukho qeqesho lwezemali. Oku kuthetha ukuba kukho abathengisi beempahla ngaphandle apho baya kuba bancedo ekuncedeni ukucwangcisa nokugcina kwiikholeji, kunye nalabo abanamava amaninzi.

Ekubeni uninzi lwabathengi be-stockbrokers lisebenza kwikhomishini, kukho ukungqubana komdla okukhoyo phakathi kweemfuno zakho kunye nemali engenayo. Ngokuqhelekileyo, umrhwebi uya kwenza imali xa uthe utyalomali kunye nabo, oko kungabonakalisa amandla abo okunikela iingcebiso ezingakhethi. Ukongezelela, iingcebiso ezininzi zotyalo-mali zabathengi bamashishini zincinci ngamashishini abo kunye neyezinye iinkampani zokutyalomali.

Ngokomzekelo, iqumrhu elikhulu leWall Street lingenza izivumelwano kunye nenxalenye yeenkampani ezinika izicwangciso zeCandelo 529. Ngaloo ndlela, isincomo se-stockbroker sinokusekelwe ngakumbi kwizinto abanokukunika zona ngokuqinisekileyo kunokuba oko kukulungele.

Ngokuqhelekileyo, indlela engcono yokufumana umthengisi ngokucela abanye abahlobo okanye ootitshala abazithembayo. Emva kokuba uncitshisile kubafundi abancinci, unokwenza isiqendu esicacisiwe esikuMbutho weSizwe we-website ye-Securities Dealer.

04 Ummeli-mali oPhezulu oQinisekisiweyo (CPA)

Ngelixa abaninzi abaPhathi-mali beZiko abaQinisekisiweyo banganikeli ngcebiso ekhethekileyo yotyalo-mali, baxabiseke kakhulu ekukhuliseni inzuzo yakho yerhafu enxulumene nekholeji. Izinto ezininzi ezifana neT Hope Scholarship kunye ne-Lifetime Learning Credit, kunye neCandelo 529 kunye ne-IRA yokurhoxiswa kwee-RRA, zineemimiselo zerhafu ezinzima.

Nangona sele usebenzisa i-CFP okanye uMmeli obhalisiweyo ukukunceda ukulawula utyalo-mali bakho, aba bantu bavunyelwe ngumthetho ukuba banike isiluleko seerhafu. Ukusebenzisa i-CPA ngokubambisana nenye yezinye iingcali kuza kunceda ukuqinisekisa ukuba ukwandisa ukuncitshiswa kweerhafu kunye neentengo.

Ukuqeshiswa kwe-Agent (EA) ebhalisiweyo yinto eyaziwayo encinci, kodwa ulwabizo olulinganayo kwihlabathi lokulungisa irhafu.

05 I-FAFSA I-Preparer

Akukho mntu uchazwayo ukuba umntu ahlawulelwe ekuncedeni abantu bazalise ifom yeF FAFSA. Cantwini nabani na onokuzibonakalisa njenge-"FAFSA Prepare Professional", elincinci.

Ukuba uvakalelwa ngokwenene ukuba ufuna uncedo olugcwalisa ifom yeF FAFSA (imiyalelo icacile xa ugcwalisa ifom ye-intanethi), cinga ukuba ucele i-preparer yakho yerhafu okanye umcebisi wezezimali uncedo.

06 I-Scholarship okanye i-Financial Aid Expert

Kwakhona, le ngenye yeemeko apho kungekho kutyunjwa okufunekayo ukuba uzibize ngokuba yingcali. Ngokwemvelo, kukho izikratshi ezininzi ezakhiwe kwizithembiso zemfundo ebalulekileyo kunye neepakethe zonyango zemali.

Awudingi uchwepheshe ohlawulwayo ukukunceda ukuba uthathe inxaxheba kwiinkqubo zoncedo zikaRhulumente kunye nelizwe. Enyanisweni, i-ofisi yokuncedisa ngemali kwiikholeji oyikhethayo ikhona ukukunceda ufezekise loo misebenzi.

Oku akuthethi akukho abaqeqeshi ngaphandle apho bazi umhlaba we-scholarship njengemva yesandla sabo. Ukuba unokufumana enye yezo mpawu, kwaye unomfundi onokufanelekela ukufundiswa okungafihliyo, le nto ingaba ngumntu omkhulu ukuba abe nekona lakho.

Xa kuziwa ekukhetheni elinye lala baqeqeshi, indlela eyona ndlela iyona nto iya kubakho ukuthumela ngokuqinileyo kumntu osele wayesebenzise. Buza abanye abazali nabaqeqeshi bezezimali ukuba basebenze nabani na ofanelwe ukuthembela kwakho.

07 Ezinye iintetho

Icandelo lotyalo-mali kunye nokucwangcisa lizele izikhundla ezingabonakaliyo ezingaphantsi kwezinto eziqhelekileyo ezingabonakaliyo ukutsala abathengi abatsha. Nangona akukho nanye kwezi zibizo zizinto ezimbi, zifanele ziqwalaselwe njengegama elithi "ibhonasi" kwi-kholeji yocwangciso lochwepheshe. Ezi zikhundla ziquka i-MBA, i-CLU, i-CIMA, i-CFA, kunye naluphi na uhlobo lwelayisense yomshuwalense.

Ukongezelela, kufuneka uqaphele ukutyunjwa okudalwe ngamafemu amakhulu okutyalomali kwaye unikezelwa ngabasebenzi bawo kuphela. Iimpawu njenge "ICandelo 529 iSicwangciso seNgcaciso" sinokufuna kuphela umntu ukuba agqibe iqela elide elide, kwaye lilolu hlobo lokuthengisa ngokubaluleka.