Abacwangcisi beze-retirement banikela ngcebiso ekhethekileyo ekuhanjisweni kwemali
Umcebisi womhlala-phantsi uthini?
Njengabacwangcisi bemali, abacwangcisi bemhlala-phantsi kufuneka baqonde iinjongo zakho zemali; ukwazi ukuba uza kuyisebenzisa nini imali yakho, kwaye uza kuyisebenzisa ntoni.
Ukongezelela, umcwangcisi womhlalaphantsi kufuneka abe nokuqonda ngokucacileyo ukuba iimpahla zeemali ozibuthelayo, kunye nezinye izibonelelo onjengeepensheni, ukhuseleko lwezeNtlalo, umsebenzi wesikhathi-mali, ukulingana kwasekhaya, njl. ekufuneka zihlanganiswe ngendlela eya kubangela ukuhlawulwa kweenyanga eziqinisekileyo xa uhlala phantsi.
Oku kufuna ulwazi olusisiseko lweerhafu, uLondolozo lwezeNtlalo kunye nesicwangciso somhlala-phantsi; ulwazi ludinga ukuba amava namava aqeqeshe ukuba aqokelele.
Yiyiphi i-Advice I-Counterner Can Give Me?
Umcwangcisi womhlala-phantsi / umcebisi uya kuba nakho ukunika iingcebiso malunga:
- Xa uthatha inzuzo yeNtlalo yeNtlalo ngendlela efanelekileyo kuwe
- Ziziphi izigqibo zokwabiwa kwempesheni ezifanelekileyo
- Ukuba i-annuity i-investment efanelekayo
- Yiyiphi iakhawunti ekufuneka ithathe ikhefu kumnyaka ngamnye, kwaye ziphi na izixa, ukunciphisa irhafu yomhlala-phantsi oza kuhlawula
- Ingakanani inani lemali engenayo yomhlalaphantsi ongayilindela ukuba ibe nayo
- Yiyiphi izinga lokurhoxisa elifanelekileyo xa uthatha imali kwi-portfolio yemveli
- Ingakanani imali yakho ekufuneka ibe kuyo kutyalo-mali oluqinisekileyo
- Ziziphi iintlobo zeerhafu ezihlawulwayo eziza kuzaliswa
- Ungayilungisa njani utyalo-mali ukunciphisa ingeniso ehlawulwayo ekuhlawuleni umhlalaphantsi
- Ingaba ufanele ushiye imali yakho kwiplani yenkampani yakho okanye uyiqhube kwi-akhawunti ye-IRA
- Ukuba ufanele ukuhlawula imali yakho ngaphambi kokuthatha umhlalaphantsi okanye ngexesha lomhlalaphantsi
- Ukuba imali yokuboleka imali yinto efanelekileyo kukukhetha
- Ukuba ufuna i-inshorensi yonyango elide
- Ingaba ufanele ugcine iinkqubo zakho ze-inshorensi yomhlala-phantsi okanye cha
Abacwangcisi bokuthatha umhlalaphantsi abakulungileyo abayi kunika iingcebiso baze baqonde ixesha lokulindela elilindelweyo, izinga lakho lamava kunye notyalo-mali, iinjongo zakho, ukunyamezela kwakho umngcipheko-mali, imfuno yakho yemali engenayo, kunye nokuqonda ngokucacileyo zonke izinto ezikhoyo njengamashishini, amatyala, kunye nemithombo yangoku kunye nezayo yengeniso.
Abacwangcisi bokuthatha umhlala-phantsi bayafuna ukwazi ukuba ziphi utyalo-mali lwakho ukuze iphothifoliyo yakho iyonke ibe yinto engqiqweni kwaye ikwazi ukulungiswa ukuvelisa umvuzo wokuhlala umhlalaphantsi.
Bangakanani Abacwangcisi bezeMhlala-phantsi?
Abacwangcisi bomhlala-phantsi bangahlawula ngenye indlela yezi ndlela ezilandelayo:
- Ireyithi yehora
- Imirhumo ephathekayo yokuqhuba isicwangciso somvuzo wokuthatha umhlalaphantsi okanye ukukhwela kwemali yokuphumla kwemali
- Imirhumo yekota okanye yonyaka yokugcina
- Ipesenti yeempahla ezilawulayo egameni lakho
- Iikhomishini ezihlawulwa zona ezivela kwimali okanye ngempahla ye-inshurensi oyithengayo
- Ukuhlanganiswa kwemirhumo kunye neekomishoni
Njalo ubuze umcwangcisi wokuthatha umhlala-phantsi ukuba achaze ngokucacileyo ukuba baya kuhlawulwa njani .
Kuthiwani NgokuCwangcisa KwezeMali okanye ngeNgcebiso ngeNtengo?
Ukucwangcisa umhlala-phantsi ngummandla wobuchule obuwela phantsi kwecandelo elibanzi locwangciso lwezemali, kodwa lufuna ubuchule obukhulu.
Iingcebiso zotyalo-mali zihambelana nendlela imali yakho inotyalomali ngayo, kodwa abo banikezela ngcebiso ngotyalo-mali abanakho ukunikela ucwangciso oluninzi. Abaninzi abacwangcise umhlala-phantsi baza kunika iingcebiso zentengiso kunye neenkonzo ezininzi zokucwangcisa ngemali, kodwa ayisoloko isebenza ngenye indlela.
Ndingayifumana njani uMcwangcisi weRhafu lomhlala phantsi?
Njengoko uthengathelanisa abacwangcisi, cinga umntu onobungcali kwicwangciso zerhafu, ukhuseleko lwezeNtlalo, kunye neendlela zokurhoxisa umhlalaphantsi .
Kufuneka bakwazi ukuqikelela ixesha kunye necebo elikuxelela ukuba ungayifumana njani imali ngendlela efanelekileyo, kwaye kufuneka bakwazi ukukunika ingcebiso ngokuchanekileyo ngokusetyenziswa kwemveliso engenayo engenakukwazi ukukhusela.
Enye inketho kukujonga i-RIIA, uMbutho wezeNkxaso yoMhlala-phantsi. Eli qela linikeza igama elibizwa ngokuba yi-RMA, okanye i-Analyst Management Management. Ndahamba ngekharityhulam ndafumana i-RMA yam ngo-2010. Ukuba ufuna umntu othe ngqo ngokucwangcisa umhlalaphantsi, ndiya kukucebisa kakhulu ukuba ufuna umntu onikwe i-RMA; nangona okwangoku kukho abambalwa abaqhekekileyo kulo lonke ilizwe.