Iimfundiso Eziyimfuneko Ezichaphazela Ukuzimela Kwezimali Zakho
Ngamnye wethu uphethe izihluthulelo kwimpumelelo yethu yemali. Ngaba unokukwazi ukushiya ukhuseleko lwakho ngokupheleleyo kwisandla somnye umntu?
Ngokutsho kweLiz Davidson, i-CEO kunye nomsunguli wezezimali zeFine Finesse - umboneleli ohamba phambili weenkqubo ezingenakulungelelaniswa kweenkqubo zempilo, kukho iinyaniso ezibalulekileyo ngamnye umntu kufuneka aqonde ukuba enze izigqibo ezinolwazi ngemali.
Abacebisi abaninzi abasebenza njengabacwangcisi bezemali ngokwenene kunokuba bathengise kakhulu abathengi bancedise ukulungiselela ukukhetha izigqibo zemali. Ngelishwa, abacebisi abaninzi bezezimali basebenza kwinkqubo ethile ephukile kunye nenani elikhulayo labacebisi bezemali baye baveza imibono yabo ngokucacileyo kwizinto ababefuna ukuba baxelele abathengi babo ngaphambili kwimisebenzi yabo. Ukunyaniseka kukuba abacebisi abaninzi bezezimali abaqeqeshelwa ukuba babanzi kwaye abahlawulwa ukuba bahlalutye ngokupheleleyo zonke izisombululo, ngakumbi abo abanako ukufumana umvuzo wokuhambisa.
Ngenxa yoko oku kudibanisa imboni yeenkonzo zezezimali, abantu abaninzi abaqinisekanga ukuba ngaba bacebisi babo bahlala beqhuba izinto zabo. U-Liz Davidson unguvulindlela kwizinto zokungahambi kakuhle kwemali. Incwadi yakhe Yintoni Umcebisi Wakho Wezezimali Akunakukuxelela: Iingqinisiso ezi-10 ezibalulekileyo oza kufuneka wazi ngeMali Yakho , ngenxa yokukhishwa ngoJanuwari 5, 2016, idibanisa kwi-jargon yezemali ngendlela efikeleleke kalula kwimfundo yezemali eyenza ukuba utshintshe kunokuba kuncede abantu bathathe umntu umntu obambe izitshixo kwimpumelelo yabo yemali.
Ukususela kumava am namava njengomcwangcisi wezezimali kunye nootitshala, nayiyo inkalo ethile yenkqubo yokucwangcisela umhlala-phantsi ukuba abacebisi bezezimali abahlala besenza umsebenzi omhle wokwabelana nabathengi:
Wonke umntu udinga isicwangciso senkcitho yakhe kunye nesicwangciso sokunciphisa okanye ukunciphisa ityala.
Uninzi lwabeluleki bezezimali abasebenzisana nabanini-mali abaninzi abanokuthi baxoxe ngezihloko zohlahlo lwabiwo-mali kunye netyala .
Nangona kunjalo, ezi zihloko zihloko zimbini zizinto eziphambili kwinkqubo yokucima umhlala-phantsi ngaphandle kweemeko ezifanelekileyo .
Fumana isikhokelo kumfundisi wezezimali okanye ongabandakanyiyo xa kunikwa i-rollover engama-401k, isigqibo somhlalaphantsi okanye ukuthengwa kwemveliso yomshuwalense.
Abacebisi abaninzi bezezimali bahlawulwa kuphela ukuthengisa iimveliso ezithile; loo nto yodwa idala indawo engabonakaliyo. Abaphambi komhlalaphantsi bajongene nezigqibo ezinzima kakhulu.
Ngokomzekelo, khawuqwalasele le mibuzo. "Ndifanele nini ukuqala ukufumana i- Social Security ? Ngaba kufuneka ndikhethe ipenshini yenyanga okanye ndiyifake i-RRA yokuhlawula imali?" I-"fiduciary" kufuneka ihlale isenza izinto ezintle ngokuchasene nokudibanisa nje ukuhlangabezana nemigangatho "engqinelanayo" engqongqo. Izigqibo ezinjengezikhankanywe ngasentla zifanele zikhokelwe ngumbono ongenamkhethe.
Iindleko zithatha into eninzi.
Ukulondoloza umhlalaphantsi kuyinselele xa ugxila kuzo zonke izinto ezingaziwayo ezifana nokulinda ubomi, iindleko zonyango lwexesha elizayo kunye nokusebenza kwemarike. Ininzi yale miqobo ingabikho kokulawula. Yingakho ufanele ugxininise kwizinto onokulawula ezifana nokudala iipotifoliyo zokutshala imali. Ukugcina iimali zakho zokulawula utyalo-mali ngokuphantsi kunokwenzeka into enokuyilawula.
Ngokomyinge, izicwangciso zokutyalwa kweendleko zokunyuka kweendleko ezingaphantsi zivame ukugqithisela iipotifoliyo ezilawulwa ngokunyanisekileyo ezifumana iindleko eziphezulu kunye neendleko.
Ucwangciso lwemali lwamahhala aluhlali lukhululekile.
Akunakwenzeka ukuthengisa into ethile kwaye ayiyi kukhangela. Abacebisi abaninzi bezezimali banikela ngeenkonzo zokucwangcisa imali ngaphandle kweendleko ukuze bathengise imali-mali okanye iimveliso zomshuwalense ngenxa yesicwangciso seengcebiso. Qaphela ukuba umcebisi wakho wezemali unika isicwangciso semali esingabizi iindleko kwaye ulandele umkhondo wemali ukuqinisekisa ukuba ufumene imbono ebanzi neyiyo. Kuyafaneleka kubaqeqeshi ukuba bahlawulelwe umsebenzi wabo, nje kuphela ukuba loo fom yembuyekezo ibonakala ngokucacileyo kwaye iqondwe ngokupheleleyo ngumxhasi.
Utyalo-mali osebenzayo lugqityiwe.
Uninzi lwabacebisi ngezezimali zihlawulwa ngokuthengisa iimveliso zentengiso-based-based or as a percentage of assets under management (AUM).
Ngenxa yoko, isihloko sokutshala imali ngokuqhelekileyo siba ngqalelo ephambili kumxhamli-umcebisi-abacebisi. Nangona kunjalo, utyalo-mali luyingxenye enye yecebo elibanzi lwezemali. Yingakho kufuneka ugxile ekulinganiseni ubuhle bakho bemali kunokuba usebenzise ukusebenza kwezobalo-mali njengenjongo yokuphela kwendlela oyenzayo ngokwenene kwimali.
Uninzi lwabacebisi ngeengcali eziphantsi kwemilinganiselo yemarike ngaphezu kwexesha elide.
Abacebisi bezezimali abanempilo ngokwenene banceda ukukhusela abathengi kwi " gap beha behavior " okanye bagcine abaxhasi ekubeni benze izigqibo ezinemvakalelo. Sekunjalo, ngenxa yeekomishoni kunye nemirhumo abacebisi abaninzi beengcaphephe bangaphantsi kwemarike ngenxa yale mali kunye neendleko zokurhweba.
Abaqeshi ababi kakhulu ekunikezeni iindleko zexabiso eziphantsi kunye neendlela zomshuwalense.
Ukuba uthelekisa izithuthi ezahlukeneyo zomhlala-phantsi okanye iinketho zomshuwalense ungalibali ukubandakanya iinzuzo zomsebenzi ekuhlalutyweni kwakho. Abacebisi abaninzi bezezimali abayekanga ukuvavanya oku kukhethwa ngenxa yokuba abanakho ukuhlawulwa kwezi ngcebiso. Nangona kukho izizathu ezininzi ezisemthethweni zokuphuma ngaphandle kweminikelo encedisayo yomqeshi, qinisekisa ukuba ukhangele zonke iindlela ongakhetha kuzo xa uqhuba isicwangciso sakho semali.
Abacwangcisi bezemali abaninzi nabaqeshi banikela ngesikhokelo esingenamkhethe.
Umthombo ogqwesileyo weengcebiso-mali ezingabikho ngqubano-mali kungenxa yecandelo lobugcisa osebenza njenge-fiduciary. Inani elikhulayo labeluleki bezezimali liye laphazamiseka kwinkqubo ephukileyo kufuneka isebenze ngexesha lizama ukunceda abanye. Abacebisi abaninzi beemali-mali kuphela banikeza iinkonzo zokucwangcisa ngeeyure, ezifunekayo xa abanye bebonelela ngeenkonzo eziqhubekayo usebenzisa imodeli yokubhaliselwa yenyanga okanye yokugcina i-annual. Ukufikelela kwiingcali zeProjekti zeMali eziQinisekisiweyo zikhulayo ngokusebenzisa abaqeshi ababonelela ngenkonzo yokukhulula okanye yokuphuculwa kwezemali kunye neenkonzo zemfundo kubasebenzi njengenxalenye yomsebenzi wenkxaso yomqeshwa.
Ungesabi ukubuza imibuzo enzima kungakhathaliseki ukuba iphakamileyo okanye iphantsi kwezinga lakho lokuzithemba malunga nokwenza izigqibo zemali kunokwenzeka ukuba ngelo xesha.
10 Imibuzo Yokubuza Umcebisi Wezemali
Ingaba yintoni ulwazi olubalulekileyo olulahlekileyo kwisicwangciso sakho somhlalaphantsi? Ingaba ukhetha ukusebenzisana nomcebisi wezezimali okanye ukuya kwindlela ye-DIY, thatha ixesha uzifundise kwaye ukwandise umqondo wakho wokuphucula imali njengoko wenza ukuba iinjongo zemali ezibalulekileyo zibe yinyani.