Ngaba ufuna umcebisi wezemali?
Okanye, ukuphindaphinda lo mbuzo: Ngaba unokufumana inzuzo enkulu kumcebisi ngaphezu kweendleko zemali yabo?
Impendulo yomelele "mhlawumbi," ngokuxhomekeka ngolwazi lwakho kunye nentuthuzelo kunye nebhajethi yakho, utyalo-mali kunye nesicwangciso sezemali.
Abacebisi ngezezimali banokunceda wonke umntu
Abantu banomdla wokucinga abacebisi ngezezimali njengabantu abanceda kuphela abantu abacebileyo kunye neentsapho.
Kodwa oku akuchanekanga. Abacebisi ngezeMali, bakholelwa okanye akunjalo, baqhelekileyo kwiintsapho eziphakathi kwamabanga aphakathi afuna uncedo ngokucwangcisa umhlalaphantsi , ukugcina abantwana bekholejini yabo , ukuthenga ikhaya kunye nokunyamekela ezinye iinjongo zemali ezinkulu.
Ukugqiba ukuba kufuneka uqeshe umcebisi wezezimali okanye uluphi uhlobo lomcebisi oza kuqesha, kufuneka uqale ukuzibuza imibuzo ethile kwaye uhlole izinga lakho lokuthuthuzela ngokwenza izigqibo zemali.
Abacebisi ngezezimali baphelisa ukwenza izigqibo zesimo sengqondo
Ngokukodwa xa bebandakanyeka kwisicwangciso-mali sokwenza utyalo, abantu banomdla wokwenza iimpembelelo kwintengiso yemasheya .
Ukuba unomcebisi wezemali ukuncedisa ngezigqibo zakho zotyalo-mali, baya kuba nako ukunceda ugcine umgama osuka kwimali yakho ukwenzela ukuba wenze isicwangciso esona sithuba esilona sithuba esilula.
Umcebisi wakho wezemali uza kuba nako ukuncedisa ukunika imali kwiipotifoliyo eziphambili kumgangatho wakho wokunciphisa umngcipheko.
Itheknoloji endaweni yomcebisi wezemali?
Iinkqubo ezininzi zokucwangcisa zemali ezinjenge-Draft kunye newebhusayithi njenge-Capital Capital yenza zonke izigqibo zokulawulwa kwemali zilula ukujongana ngoncedo lomcebisi wezezimali. Uninzi lwezi zixhobo kunye neewebhsayithi zinikeza iinkonzo ezifanayo ngokufana nomcebisi wezemali.
Ngokukodwa xa uthembela kwizakhono zakho zokulawula imali kunye nokukhetha utyalo-mali, ngoncedo lwezi zixhobo zokucwangcisa, akufuneki ukuba udibanise imali kwiindleko zomcebisi wezemali.
Abacebisi ngezezimali banceda ekutshintsheni ubomi obuninzi
Ngoxa iinkqubo zokusebenza kunye newebhusayithi ziyanceda, ngamanye amaxesha aziyi kuba luncedo njengomcebisi wezezimali.
Ngaba uyazi indlela yokujongana nemiphumo yerhafu ye- IRA enefa ? Kuthekani malunga nokuba ilungu lentsapho likhawuleza likushiye imali eninzi? Ngaba uyazi ukuba ungayityala njani?
Ukuba ngokukhawuleza ubhekane noguqulelo olutsha okanye olunzulu kwiimali zakho, njengokufumana ilifa elikhulu elingenakuqiniseka ukuba ungalima njani, umcebisi wezemali unokukunceda ukunquma ukuba wenzeni ngemali yakho nendlela yokusingatha nayiphi na ukuwa kweerhafu.
Ukuba uhlala ekuthathe umhlalaphantsi, kwaye awuqinisekanga ukuba okanye nini ukuqala ukuhoxisa kwi-akhawunti yakho engama- 401k kunye nezinye i-akhawunti yomhlala phantsi, unokufumana inzuzo ngokuqesha umcebisi wezemali.
Ngaba ukhululekile ngemeko yakho yezemali?
Ukuba unesiqinisekiso, kodwa unokuthanda umcebisi ekhangele ehlombe lakho, uya kukwazi ukufumana ngokuhlawula i-flat flat, yexesha elilodwa umcebisi wezemali kanye ngonyaka. Ungakwazi ukulawula iakhawunti zakho eziphumeleleyo lonke ixesha.
Ukuba, nangona kunjalo, uyithiyile ukusebenzelana nemali, awuyikuqonda into yokuqala ngokuphumeza isicwangciso-mali esisebenzayo, okanye ufumana imali eninzi ongaqinisekanga ukuba ungayenza ntoni na, ndincoma ukuba ufumane umcebisi wezemali ukuncedisa iimfuno zakho zolawulo lwezemali.
Xa usenza isigqibo sokuba ungayisebenzisi umcebisi wezezimali okanye ungayisebenzisi, jonga kwiimali zakho zibuze ukuba uzive ukuba uyazi ukuba wenza ntoni. Ukuba uvakalelwa kukuba unesibamba esihle kwiimfuno zakho zemali zansuku zonke, mkhulu, mhlawumbi akudingeki ukuba uchithe imali kwenye. Khangela kuphela ukuqesha umcebisi wezemali ukuba ubomi obutyebi bemali buyaguquka. Ngaloo nqanaba, libala ubunzima kunye neendleko zeendleko zemali-based based versus plan-based planner.
Ukuba, nangona kunjalo, uzive uxinezelekile ngemali yakho okanye uvakalelwa kukuba awunakwenza izigqibo ezifanelekileyo, ngoko umcebisi wezezimali uya kuba yinkqubela efanelekileyo yemali enokuthi ifikelele ekutyala imali.