Ngokuxhomekeke kwiakhawunti yakho, kunye nemigaqo-bhanki ungayikhokha intlawulo yeeyure kule nkonzo.
Nangona kunjalo, abanye abacebisi ngezezimali basebenzela ukomishoni, kwaye kufuneka uthabathe loo nto xa becebisa iimveliso kunye neenkonzo kuwe. Ibhanki yakho inokunikela ngezi nkonzo kuwe ngaphandle kwemali, oko kuthetha ukuba umcwangcisi wezemali unokusebenza ngentshisekelo yakho.
Ngaba iiNkonzo zoTyalo-mali zigqitywe yi-FDIC?
Iinkonzo zotyalomali ezinikezelwa ngebhanki yakho aziqinisekisiwe nge- FDIC . I-FDIC iqinisekisa kuphela ukubeka i-akhawunti yebhanki, kuba i-market market ingatshintsha, abayi kuqinisekisa ukuba imali. Oku akuthethi ukuba akufanele usebenzise i-bhanki yakho, ekubeni imali yakho ayiqinisekanga ukuba imarike yemasheya iyancipha kwi-firm firm. Kufuneka uqaphele ukuba i-akhawunti ayiqinisekanga yi-FDIC. Kubalulekile ukuba uqaphele ukuba ukuba ufuna ukukhulisa imali yakho okanye nje ukuqhubeka kunye nokunyuka kwamaxabiso okuya ku funeka ukhethe ukutyalomali endaweni yokuba ube ne-akhawunti yokugcina.
IiNkonzo zoTyalo-mali ziSebenza njani?
Iinkonzo zotyalo-mali ngebhanki yakho kufuneka zifaniswe neenkonzo zokutyalomali oza kufumana kwi-firm firm. Isitshixo sifumana umcwangcisi wezezimali okanye umcebisi ukhululekile ukusebenza naye. Umcebisi wakho wezemali makazimisele ukuphendula nayiphi na imibuzo enayo malunga nemveliso oyithengayo.
Ukuba akafuni ukuchazela iimveliso kunye nendlela ehambelana nesicwangciso sakho sokutyalo-mali, kufuneka ucinge ukuba ukhethe omnye umcebisi.
Ndingakhetha njani iNkonzo yoTyalo-mali kunye noCwangcisi wezeMali?
Ukufumana umcwangcisi wezezimali yinkqubo, kwaye kufuneka ukhangele abafundi abahlukahlukeneyo ngaphambi kokukhetha okulungileyo kuwe. Ukongezelela, unokufuna ukufumana umgaqo-nkqubo ukuba umcwangcisi wakho wezezimali utshintsha iinkampani. Ngaba uza kuhamba naye okanye ngaba i-akhawunti yakho iza kubelwa isicwangciso esithile? Ukuba ufuna ukuhlala nefowuni uza kuba nako ukukhetha umcwangcisi wakho omtsha okanye uya kubambelela kumntu abanikezelayo. Umcwangcisi wezemali ngumntu onokuya kumcebisi wezophulo-mali, kwaye ukhuseleko lomsebenzi kunye nokuzimelela kuyindawo ebalulekileyo yokulawula imali yakho.
Xa ukhangela umcwangcisi wezemali ucele abahlobo bakho kunye nabo osebenza nabo ngeengcebiso, fumana malunga neenkonzo ezinikezelwa ngebhanki yakho, udliwano-ndlebe nabacwangcisi uze wenze isigqibo sakho. Nangona akufanele ukhethe umcwangcisi wakho wezemali nje ngenxa yokuba usebenza kwi-bhanki yakho, akufanele ulawule ngokupheleleyo.
Ukuba awukwazi nto malunga nokutyalomali okanye i-market market, kukulungele ukufumana iingcebiso kumcebisi-mali oqonda iimarike kunye neemveliso ezikhoyo kuwe.
Emva kokuba ukhululekile kakhulu unokufuna ukuthenga izitoko kwi-intanethi kwi-akhawunti yakho ye-brokerage. Iimali zengxowa-mali ziyanciphisa umngcipheko wakho wokutyalomali, kuba usasaza ingozi kwiinkampani ezahlukeneyo kunokuba enye. Naliphi na isitokethi esithengayo enomngcipheko omkhulu kuba ukuba inkampani ihluleka iisitokethi ingaba nantoni na ngokukhawuleza ngokukhawuleza, leyo ingaba yingozi kwipotfoliyo yakho.
Kufuneka uqiniseke ukuba ulungele ukutyalomali ngaphambi kokuba uqale ukwenza. Kwiimeko ezininzi uhlawula inzala engakumbi kwikhadi lekhadi lesikweletu kunokuba uza kuzuza kwi-investing. Oku kuthetha ukuba ufanele ukuhlawula ityala lakho kumboleki phambi kokuba utyalomle. Imali oyityalayo kufuneka ibe yimali ongenakuyiphatha kwakhona. Akufanele ukuba ungene kwi-savings yakho inyanga nganye ukuba utyalo-mali. Qinisekisa ukuba uhlahlo lwabiwo-mali luvumela igumbi elaneleyo lokukhusela i-akhawunti yakho yokulondoloza kunye ne-akhawunti yokutyalomali.