Ngaba Ufuna Umcebisi Wezezimali?

Icandelo lokuqala loLuhlu

Thenga phezulu uze uthengise phantsi. Ukuboleka inqaku elidala lokuthengisa, "awukwazi ukwenza inzuzo kwi-volume" iimpahla zokuthengisa ngaloo ndlela.

Abanye abatyali-mali bafumanisa ukuba abanalo ixesha, amandla okanye italente ekuphandeni nasekuboneni amasheya kwiiphothifoliyo zabo, bancinci ukulawula imali yabo ngokufanelekileyo. Iimfuno zabo zidlulele ngaphaya komda we-stock broker - bangadinga iinkonzo zomcebisi wezezimali ezifanelekileyo.

Kulo chungechunge lwamaqela amabini, ndiya kujonga ukuba umcebisi wezezimali unokukwenza ntoni kwaye uxoxe ngeentlobo ezahlukeneyo zabacebisi ngezezimali kunye nendlela abasebenza ngayo nawe.

Eli nqaku libandakanya izibonelelo onokuzilindela kumcebisi wezezimali.

Umcebisi wezezimali osebenzayo uya kusebenza nawe ukuphuhlisa iplani yezemidlalo ehambelana neemeko zakho zezezimali kunye nabacebisi ngecebo lokufeza iinjongo zakho.

Abanye abantu bafumanisa ukuba bakhululekile ukwenza "into yabo" kwaye abafuni ukuchitha imali umcebisi olungileyo unokuhlawula.

Ngakolunye uhlangothi, abantu abaninzi bavuyela ngokukhawuleza iinkcukacha zokuphuhlisa isicwangciso semali kwiingcali.

Ziziphi iingcebiso zezeMali

Abacebisi abaninzi bezezimali bafuna ukujonga umfanekiso wakho wezezimali - zonke iingeniso zakho kunye namatyala. Bafuna umfanekiso opheleleyo apho uphantsi kwezezimali ukuze bakwazi ukudweba imephu ukusuka apho uya khona apho ufuna ukuya khona. Nazi ezinye zeenzuzo zokusebenzisa umcebisi wezemali:

• I-Big Picture - Umcebisi wezemali uza kuphuhlisa iprofayile epheleleyo yezinga lakho lezemali. Le phrofayili izakuchonga indawo zamandla kunye nobuthathaka.

• Ukuhlola okungavumelekanga - Umcebisi wezezimali uza kukunika uvavanyo olungenakuvakalayo lento ekufuneka yenziwe. Imali iyisihloko esithandekayo kubantu abaninzi, okusoloko kubangela izigqibo ezimbi.
• Ukwabiwa kweeMithombo - Kungenzeka ukuba unokubaluleka kwezinto eziphambili, njengokuthumela abantwana kwiikholejini ngelixa uwakha isikhwama somhlala-phantsi. Umcebisi wezemali unokukunceda ukuba wabelane ngezibonelelo ukuze zombini iinjongo zifumane isabelo esifanelekileyo seedola.

• Ukunciphisa Imirhumo - Izigqibo ezininzi zotyalo-mali zithatha uhlobo oluthile lokubambisa irhafu okanye elide. Umcebisi wakho unokukunceda ubeke utyalo-mali lwakho ngendlela egcina iirhafu ubuncinci kunye needola zakho.
• Ucwangciso lwezindlu - Ucwangciso olucwangcisekileyo luya kunceda ukuqinisekisa ukuba ifa lakho lidlulela kubathandekayo ngendlela ekhusela ubuninzi bexabiso layo ngangokunokwenzeka.

Ngokubanzi, umcebisi wakho uya kuhlanganisa le mimandla. Ngokukodwa, umcebisi wakho uya kujolisa kule mimandla:

• Ama-akhawunti ahlala phantsi njengama-401 (k), ii-IRAs, njalo njalo
• Ininshurensi kubandakanya utywala, ubomi, ukukhubazeka, uxanduva
• Iinjongo zezemfundo zingaphi abantwana abaluphi ubudala
• Iintlawulo zombini kunye nezoshishino ukuba ziqeshwe okanye zinezoshishino
• Ezinye iinjongo zemali ezifana nekhaya lesibini, ukuthenga ishishini, ukuhlala phantsi

ISicwangciso

Ngokuxhomekeka kohlobo lomcebisi wezezimali owusebenzisayo, uya kufumana uhlobo lwesicwangciso sezemali esichazela iziphumo zomcebisi kwaye unikezela isicwangciso sokufikelela kwiinjongo zakho.

Isicwangciso singabandakanya iindlela zokufikelela kwiinjongo zakho ezibandakanya amanqanaba azinikezelo kwiindawo zakho (funda iidola).

Isiphelo

Kwingxenye yesibini yale chungechunge, ndiya kujonga indlela abacebisi abahlukeneyo bezezimali abaqhuba ngayo izicwangciso zabo kunye nokuba zininzi iinkonzo zabo.

Abacebisi bezemali bavela kwiindidi eziphathekayo, ngasinye sinamaqhinga abo.

Inxalenye yesibini yale ngcelele ihlola indlela abacebisi bezezimali abahluke ngayo ekusebenzeni nasekuhlawuleleni.