Indlela yokufumana umcebisi omkhulu wezemali ozimele oza kusebenza kuwe
Yonke imodeli yokubuyisela kwiinkonzo zesevisi zezemali inephutha elithile. Makhe sijonge indlela ohlawula ngayo umcebisi wezezimali ozimeleyo , nokuba ngumrhumo-kuphela okanye umrhumo-mali, kwaye ubone ukuba oko kunokuchaphazela iingcebiso abazinikelayo.
I-Illusion of Counseling Unserved Advice kunye noMcebisi-kuphela weMali
Okokuqala, kuthetha ntoni kuphela imali ? Kuthetha ukuba umcebisi wakho ozimeleyo wezezimali unokufumana kuphela intlawulo ngokusuka kuwe evela kwiinkonzo ezithunyelwayo. Amela wena. Bangakwazi ukuhlawula le ntlawulo njengemali ephathekayo kwiprojekthi efana nokulungiselela isicwangciso- mali , ireyithi yehora, ipesenti yezinto eziphathekayo egameni lakho, okanye njengemali yokugcinwa kwenyanga okanye yekota.
Umzekelo oqhelekileyo wemali-mboleko kuphela yowomcebisi ohlawula ipesenteji yeempahla abaziphetheyo. Makhe sibone imizekelo emibini apho oku kungabangela ukungqubana komdla.
1. Ngaba kufuneka uyihlawule imali yakho?
Ukuba uhoxisa imali kwi-akhawunti umcebisi wakho ulawula ukuhlawula imali yakho yokuthenga imali, baya kwenza okungaphantsi.
Nangona kunjalo, umcebisi wezezimali ozimeleyo uza kwenza uhlalutyo oluchanekileyo, kwaye ukuba ngaba unomdla wakho ongcono kuncike kwimali yakho engenayo, ixabiso, iirhafu kunye neenjongo, baya kukucebisa ukuba uhlawule utyalo-mali ukuhlawula imali yakho , ngaphandle kokuba ba hlawulwa.
Ngomhla wokubuya kweemarike ezinamandla, ndabona abacebisi abaninzi bancomela abathengi babo ukuba bangayikhokheli kuphela imali yabo yokuboleka imali, kodwa bathathe imali-mboleko eyongezelelweyo yemali yokuthenga imali.
Oku kuyingozi. Wonke umcebisi ndibonayo ukucetyiswa kwesi sicwangciso sithole inzuzo yezoqoqosho zomntu xa umxhasi ebeka imali yazo. Uninzi lwaba cebisi, nangona kunjalo, abazange baziphathe njengabacebisi abazimeleyo beemali kuphela; babenokwenzeka ukuba babekho abafumene ikhomishini kwimveliso ababeyincomayo.
Kutheni kungeke kwenzeke ukuba umcebisi-kuphela umcebisi atyunde le qhinga nangona kunjalo ukuba iya kubabenzela imali engaphezulu? Ngenxa yokuba izigodo ziphezulu xa zicebisa into engafanelekanga kuwe. Ngokusemthethweni bayaxanduva malunga neengcebiso abazinikezayo kunye neengcebiso kufuneka zithathwe ukuba ziyona nto inomdla. Imithetho efanayo, ngelishwa, ayenjalo njengokuba isasebenza kumcebisi othumiweyo.
2. Ngaba kufuneka uthenge unyaka?
Izibonelelo zinikeza iziqinisekiso ezikhethekileyo njengoko uqala ukuya kumhlalaphantsi. Kwabo abangenayo imithombo yemali engenayo ngaphandle kweNgcaciso yeNtlalo, ukwabela isabelo sakho sotyalo-mali kwi-annuity sinokuqonda.
Ngelishwa, uninzi lweemali eziye zithunyelwa ngemveliso, ngokokuba umcebisi-mvuzo kuphela kufuneka ndiyenze uphando olongezelelweyo ukufuna iimveliso ezingekho mthwalo (akukho mthwalo uthetha ukuba awuhlawuli nkonzo kwaye ngoko iifowuni zingaphakathi) iinkcukacha eziqinisekisiweyo kubaxhasi bam.
Abacebisi abodwa beemali njengeqela bayaziwa ukuba baxhatshazwa ngokuchasene nezibonelelo, kwezinye iimeko ngenxa yezizathu ezilungileyo, kodwa kwezinye iimeko, ngoluvo lwami, i-bias ivela kuba xa umthengi ekhupha imali yakhe kwi-akhawunti ephethwe apho Umcebisi uyahlawulisa intlawulo kwaye uyifaka kwi-annuity, umcebisi uya kwenza imali encinci. Le ngxaki kufuneka iyanqotshwa. Kwiminyaka embalwa edlulileyo, ezininzi iimveliso zonyaka zokungabikho kwempahla ziye zafumaneka, kwaye uphando olutsha luye lwaqinisekisa ukusetyenziswa kwemali kwixabiso elifanelekileyo, njengenxalenye yephothifoliyo yokunikezelwa kwengeniso.
Ngokubanzi, ndicinga ukuba abacebisi bodwa abazimele-mali bafuna ukuqhubeka nokufundiswa kwakhona kwaye bathathe iinjongo zokujonga indlela iimveliso zenkxaso ezifanelekileyo ezinokongeza ngayo ixabiso kwisigaba sokufumana umhlala-phantsi wobomi benklayenti.
Umcebisi wezezimali ozimeleyo osebenza njengemali-esekelwe, esithetha ukuba unokuhlawula imali kunye nokuqokelela iikomishoni, kuya kuba neemveliso zongezelelweyo zonyaka kwaye ziya kufumana ikhomishini ukuba uthenge loo mveliso.
Kwakhona, kungakhathaliseki ukuba bahlawulelwa njani, umcebisi wezezimali ozimeleyo uza kukubonisa ngezisombululo ezihlangabezana neenjongo kunye neenjongo zakho. Ukuze ube ngumthengi omhle, kufuneka uqaphele indlela abahlawulwa ngayo kwaye nokuba oko kunokuchaphazela njani iingcebiso zabo.
Kufuneka ucele imibuzo enzima kwaye ukhangele iimpendulo ezicacileyo. Ukuba umntu uveza ingxabano enokubakho inxaxheba ngaphambili, indlela echanekileyo, eyona nto impawu.
Kuthiwani Ngokungqubana Nexesha Lamaxesha Ohlawulelo?
Ukuhlawula umcebisi wakho wezeeyure ngeyure kungasebenza kakuhle - ukuba ngaba uya kulandela ngokumalunga namacebiso anikezelayo. Abacebisi beeyure ndiye ndathetha nabo baye bachaza ukukhungatheka ukuba banike abaxhasi babo uluhlu lwezenzo zokuthatha, kwaye xa bahlangana nabo kwakhona, umthengi akazange alandele nayiphi na yeziphakamiso.
Kwixesha elidlulileyo, ndinike iinkonzo zangeyure, kwaye ndibone oko. Ndibukele abantu benza iimpazamo ezibiza ngeemali zabo ezinokuthintelwa ukuba babe nolwalamano olunzulu kunye nomcebisi wezezimali ozimele, kodwa endaweni yoko bafuna kuphela iingcebiso kanye emva kokukhawuleza, kwaye baninzi.
Nangona kunjalo, ndicinga ukuba ukuhlawula umcebisi wakho ngeyure kwiimeko ezithile kunengqiqo. Iinkonzo zezocwangciso zangexesha lungaba lukhulu xa ufuna uncedo ngombuzo othize okanye uhlalutyo, nokuba bhetele xa uchaza ulwalamano olunzulu kwaye uzimisele ukuhlawula iiyure eziyimfuneko kumcebisi ukuba unikele iingcebiso ezipheleleyo.
Kuthiwani ngeengxabano kunye noMzekelo weKomishoni?
Ukuhlawula iikhomishina zakho zomcebisi okanye nge-broker-dealer okanye i-wirehouse kubonakala ngathi ndiyimodeli ebonisa ukuba iimbambano ezithandanayo. Ndasebenza njengomcebisi wezemali enye yezona nkampani ezinkulu zeentengiso kwilizwe, kwaye kumava am, kwakungekho ncinane kule nkcubeko ekhuthaze ukuba wenze uhlalutyo oluzimeleyo kunye nento efanelekileyo kumxhasi wakho. Kwakungekho malunga nokuthengisa.
Xa ndihamba kwiinkomfa, ukungabi nolwazi ngabanye balaba bacebisi / abathengi, abathile abasebenzisa abacebisi abaxhomekeke kwiintlawulo ezizimeleyo, bayamangalisa. Njengam, bafumana ilayisenisi yokubambisa kwaye bathunyelwa ukuthengisa. Ngokungafani nam, abanye babo abazange baxhase imfundo yabo ngaphaya kwelo xesha.
Oko kuthethwa, ndicinga ukuba kukho abacebisi abaKhulu phantsi kwayo yonke imizekelo yembuyekezo, kwaye ndidibene nabantu abaninzi. Ukuzifumana kuyinselele.
Ukufumana uMcebisi ngezeMali oyiNtloko
Ukuqala ngomcebisi wezezimali ozimeleyo osebenza njenge-RIA, okanye umcebisi-mali obhalisiweyo, unokunceda ukuphelisa ezinye iingxabano zomdla, kodwa akunjalo. Ingqwalasela yangempela kufuneka ibe kukufumanisa umcebisi onolwazi, onolwazi, onolwazi olukhathalelayo ngawe , kwaye ngubani ongayikukubeka ingozi engadingekile.
Unokufumana njani umcebisi onjalo? Nazi ezinye zezinto endizijongayo:
- Ingaba baceba okanye bathengise umkhiqizo?
- Ingaba zibandakanya ukucwangcisa irhafu kwiingcebiso zabo?
- Ngaba banendlela yokucetyiswa kokutshala imali okanye nje ukulahla abaxhasi babo kwiiprogram ezizenzekelayo ezinikezelwa yinkampani yabo?
- Ngaba bayayiqonda imiba ye-Social Security claiming strategies?
- Ngaba bayayiqonda ukutshala imali kwisigaba sokusabalalisa umhlala-phantsi wobomi bomdlalo ibhola yebhola eyahlukileyo kunokuba ityala imali yokuqokelela?
Oko kufuneka ukwenze kuthatha ixesha lakho xa uqesha umcebisi wezemali. Ukuba usebenza nomcebisi ozimeleyo olwazileyo, akukhathazeki ukuba uhlawula njani. Ukuba usebenza nomcebisi ongenamacandelo okanye ongenamava, akuyi kubakhathalela ukuba uhlawula njani. Ngaba ufuna umcebisi wezemali?
Ndiyakucetyisa ukuba ufunde Ngubani Ubheka Imali Yakho: Iimigaqo ezili-17 zePaladin zokukhetha umcebisi wezezimali nguJack Waymire.