Ukungaphumeleli kwemali yokuthengwa kwenzeka rhoqo emva kweminye embalwa emininzi kangangokuba kuyona nto ibhetele ukukwazi ukuphazamiseka
Umbuzo omkhulu kakhulu owenzekayo xa iqumrhu lokurhweba ngokukhawuleza liqhuma kwaye bebambe iibhokhwe, iibhondi, imali kunye kunye nezinye iziqinisekiso.
Impendulo emfutshane kukuba iifenki zokurhweba ziphantsi kweliso elilindileyo malunga nokuqhutyelwa kwemali yabo-mali kunye nemali yenkampani. Ngamanye amazwi, iifemu zifuneka ukuba zihlukanise impahla yeakhasimende kwiimpahla eziqinileyo. Ukufikelela kwiakhawunti yomthengi bekuya kukhwabanisa. Oku kuthetha, kwiimeko ezininzi, ukuba imali yakho ifaneleke.
Sekunjalo, kuthekani ukuba iqumrhu lakho lenza ubuqhetseba? Ukujongana nelokuba, abalawuli badibanise ukhuseleko loko kuba ezinye iifemu ziye zazingekho ngaphantsi kwezinto.
Yiyiphi i-Investment yakho Ekhuselweyo?
I- Securities Investor Protection Corp (i-SIPC) ikhusela abathengi imali kunye namasheya, njengamasheya kunye nezibophelelo ezigcinwe kwiifom zezimali ezixhalabileyo. Nangona kunjalo, iikontraki zeemveliso, ukusebenzisana okulinganiselwe kunye neenkontileka zokuhlawula iinjongo ezingenakuvunyelwa ukukhuselwa kwe-SIPC.
Kufuneka uqonde ukuba kukho imida nganye ngeakhawunti yabathengi leyo i-SIPC ingafihla kwii-500,000 zamaRandi ezingama-250,000 ezingama-$ 250,000. Ngoko ke, kufuneka uhlolisise ukuqinisekisa ukuba iqumrhu ojongene nalo lilungu leSIPC. Ngokuqhelekileyo zonke iifenim zesizwe eziqhayisayo ngamalungu kodwa zithatha imizuzu embalwa nje ukuqinisekisa ukuba oku, ngoko kulungele umzamo.
Amafemu amaninzi ane-inshorensi eyongezelelweyo, ngokunjalo, echaphazela iimpahla zabaxumi xa kwenzeka ukungaphumeleli kwemali. Ukongezelela, iifemu zifuneka ukuba zibe ne-capital reserve.
Yiba nexhala malunga nePotefolio yakho
Akukho mntu uya kukhathalela ngempilo yakho yezemali nokhuseleko ngaphezu kwakho. Nangona unomthengisi wezobugcisa onalobuhlobo obude kunye naye, unyanzelekile ukuba wenze ukunyamekela kwakho. Kuhlala kuluvo oluhle lokugcina iirekhodi ezicwangcisiweyo zee-securities zakho kunye neakhawunti zakho njengoko oku kukukunceda ukuba iqumrhu lokuthengisa ngemali ojongene nayo liphuma ngaphandle kwezoshishino. Usenokufuna nje ezo zengxelo zeakhawunti ukuze ubonise ukuba unayo into oyithethayo ukuba ufanele ukuba ube yintsikelelo yokuhluleka kwenkampani ye-brokerage. Khumbula, unokwazi kwaye uhlonele umthengisi wakho kodwa unokuba semnyama ngempilo yezezimali.
Ngaphandle koko, unokubamba izinto zakho ngokuthe ngqo kwizinto ezifana nenkqubo yokubhalisa ngokuthe ngqo okanye ungayilungiselela ilungiselelo lokugcinwa kunye nesebe elithembekileyo lebhanki. Zomibini zezi zikhetho ziyakukugcina kunye nemali yakho ngokujongene nenhlekelele engalindelekanga.