Funda Indlela Yokufumana Umcebisi Wezezimali Okulungeleyo
Ukuqonda izidingo zakho
Ngaphambi kokuba uqale ukufuna uchwepheshe, kufuneka uqonde oko ufunayo kumcwangcisi wezemali .
Ngaba ufuna iingcebiso ezipheleleyo zokucwangcisa? Ngaba ufuna nje ukuhlaziywa kwephothifoliyo yomhlalaphantsi? Ngaba ujongene nemiba yocwangciso lwezoshishino?
Abacwangcisi abahlukeneyo baneendawo ezahlukeneyo zobuchule, ngoko kubalulekile ukuba ufumane umntu ongakwazi ukujongana nesimo esithile. Xa uhlasele ngolwazi olusisiseko oluzungeze iimfuno zakho ezithile, unokunciphisa ukhetho oluphantsi ngaphandle kokuba uhlalutye ngamathuba amaninzi.
Thetha nabanye
Enye yezona ndlela ezilungileyo zokufumana abacwangcisi abanokukwazi ukuthetha nabanye. Ukuba usunayo i-akhawunti, buza ukuba bayazi naziphi na izicwangciso ezinokukuncedisa imeko yakho. Hlola kunye nabahlobo nentsapho okanye nayiphi na enye into othembela ngayo ngokuthumela. Kungcono ukufumana iziphakamiso zangaphambili phambi kokuhlaziya incwadi yefowuni okanye intanethi.
Ukwenza iNgqiqo yeZityunjwa
Kwiinkonzo zeenkonzo zezezimali akukho ukunqongophala kwezatifikethi, ukutyunjwa, kunye neenkcukacha, kodwa ukuqonda oko bathethayo kunokukunceda ukwazi okungakumbi malunga nabacwangcisi bakho.
- I-Akhawunti ye-Akhawuntini eqinisekisiweyo (CPA) - I-CPA ngumgcini-ngxelo onolwazi oye wahlangabezana neemfuno eziqinileyo zemfundo kunye neemvume. I-CPA iya kuba yinto efanelekileyo yimiba yerhafu.
- I-Personal Sciences Specialist (PFS) - ii-CPA ziyakwazi ukufumana imfundo yokucwangcisa ngezezimali kwaye emva kokudlula iimviwo zeemviwo kunye neemfuno zamava zingasebenzisa iCPA / PFS.
- UmCwangcisi wezeMali oQinisekisiweyo (CFP®) - I-CFP yenye yeyona ndlela ihlonishwayo yokucwangciswa kwezemali echanekileyo efuna ubuncinci beeminyaka emithathu yamava, landela ikhowudi echanekileyo yokuziphatha, kwaye idlulise uviwo olude. Laba bantu baya kuba nako ukubonelela ngeengcebiso ezininzi zezezimali.
- Umcebisi wezeMali weChartered (ChFC) - Aba ngabaqeqeshi abasebenzisa i-inshorensi abathile ngokukhethekileyo kwiinkalo ezithile zokucwangcisa imali ngokuhlangabezana neemfuno ezongezelelweyo zemfundo kwizoqoqosho kunye notyalo-mali.
- Umcebisi weCandelo leCandelo loPhuhliso lwezeMpilo (CRPC) - I-CRPC inikezelwa ngeKholeji yeCwangciso seMali ukuvumela abacebisi ukuba baqulunqe ngokucwangcisa umhlalaphantsi . Laba bantu kufuneka baphumelele iimviwo baze bahlangabezane nekhowudi yokuziphatha.
Gcina ukhumbule ukuba kukho iingubo ezingaphezu kwe-50 ezisetyenzisiweyo, ngoko ke umboniso ofutshane nje oqhelekileyo oya kuhlangana nawo. Abanye abacwangcisi bangaba neendlela ezininzi, ngelixa abanye bengenakho.
Udliwano-ndlebe nabaviwa
Emva kokuba sele ufumene abacwangcisi bendawo abambalwa ababonakala behlangabezana neemfuno zakho, lixesha lokuhlangana nabo. Nayiphi na isicwangciso sezimali esihloniphekileyo siya kubamba intlanganiso yokuqala ngaphandle kweendleko. Le ntlanganiso yokuqala inenzuzo kubo bobabini kunye nesicwangciso.
Inika ithuba lokuba uchaze oko ukhangeleyo kwaye ubuze imibuzo, ngelixa umcwangcisi anganquma ukuba afanelekile yini umsebenzi.
Fumana indlela abahlawulwa ngayo
Abacebisi bezezimali banokuhlawulwa ngeendlela eziliqela. Lo ngumbuzo obaluleke kakhulu ukuwubuza; kuba ufuna ukuqiniseka ukuba bakucebisa ngeminqweno yakho engqondweni, kungekhona nje ukuthengisa.
- IKomishoni - Oku kuye kwaba yindlela eqhelekileyo yokuqeqeshwa kwezezimali zemali. Oko kuthetha ukuthini xa uthengisa utyalo-mali, ipesenti ethile yentengo iya kuhluthwa kwaye inxalenye yaloo nto iya ku ngqo kumcebisi wakho. Oku akuyona into embi, kodwa kufuneka uqaphele ukuba abayikukunyanzelisa ukuba batyala imali nje ukuze benze imali.
- Imirhumo ethembekileyo - Enye indlela eqhelekileyo yokuhlawulela yintlawulo ephantsi. Abanye baya kuhlawulisa ireyithi yeholide yehora okanye bangahlawulisa umrhumo wendleko yokubeka ndawonye isicwangciso sezimali esipheleleyo. Ngokuqhelekileyo, akukho nkxalabo yokungqubuzana kwenzalo kuba ihlawulelwa ukuba uthenge nayiphi na imali okanye ayikho.
- Iimali ezisekelwe kwii-asethi - ngelixa zingenjalo njengezinye iindlela ezimbini, nangona zithandwa kakhulu, abanye abacebisi bahlawula umrhumo wonyaka osekelwe kwipesenti yezinto ozibekele zona.
Nangona ezi ziindlela ezintathu ezithandwa kakhulu, unokufumana abacwangcisi abaninzi odibana nabo baya kunika ukudibanisa kwezi ndlela. Kungakhathaliseki ukuba kunjalo, kukukuqonda ukuba zihlawulwa njani kwaye zichonga ukuba oko kuhambelana nento ozama ukuyifeza ngokuqesha umqeqeshi.
Yiba Nolonwabo Ngomhleli Wakho
Emva kokuba uye wazimisela iimfuno zakho, ufuna iimferensi kunye nokuhanjiswa, wadibana nabacwangcisi, kwaye ekugqibeleni wenze isigqibo, kufuneka uqiniseke ukuba ukhululekile kunye nesicwangciso sakho.
Ubungcali owukhethayo uya kufuna ukwazi okuninzi ngawe kunye nemali yakho. Kufuneka ukhululeke ngokwaneleyo ukwabelana ngolwazi kwaye ube nenyaniso kunokwenzeka. Ukuba akunjalo, unokubeka imali yakho engozini.