Imibuzo Omele Uyibuze Umqeqeshi weCFP
Izigidi zabantu baseMerika zixhotyiswe kakuhle ukujongana nemali yazo kwaye zenze umsebenzi omkhulu. Aba bantu banomdla omkhulu kwimali - kunye nexesha kunye nolwazi ukugcina umkhondo weefowenuli zabo. Okubaluleke kakhulu, banokugcina iimvakalelo zabo - ukwesaba, ukuhaha, umona - ukujonga xa wenza izigqibo zotyalo-mali. Ukuba akunjalo, mhlawumbi lixesha lokufumana uncedo oluthile lobuchule.
Kukho abaqeqeshi abaninzi ngaphandle apho banikeza izikhokelo zemali.
I-Stockbrokers, ibhanki, i-inshorensi ye-inshorensi-bonke abantu bathi banokukwazi ukukuqhuba umhlalaphantsi wegolide! Kodwa kubalulekile ukusebenzisana nomntu onomlinganiselo obanzi kunye nobubanzi boqeqesho kunye namava. Yingakho kufuneka uqikelele ukugcina uMcwangcisi wezeMali oqinisekisiweyo ukuba kwaye xa uhamba ukukhangela ukhokelo.
Iziqinisekiso zeCFP kufuneka zizalise uqeqesho oluqinileyo kunye neenkqubo zokuqinisekisa ukuba zilungiselele ukujongana nazo zonke iinkalo zobomi bakho bezezimali. Bonke abo baphumelele kwiikholeji abaye baqhubeka nokugqiba enye iikholeji yezinga lokufunda kwisicwangciso sezimali. Umcebisi-mali oQinisekisiweyo wezeMali kufuneka aphumelele ukuvavanywa kweemvume zokufuna iimviwo-uhlobo lovavanyo lwabhali ngabacwangcisi bemali - kwaye uzalise iminyaka emithathu yolwazi lokufumana umsebenzi.
Abacwangcisi bezeMali abaqinisekisiweyo bafuneka ukuba bahambe kunye nekhowudi yokuziphatha eqinisekisa ukuba benza njengama-fiduciary - rhoqo ukwenza izigqibo kunye neengcebiso ezixhasayo kubaxhasi babo, kungekhona zabo .
Indlela epheleleyo ye-CFP yobugcisa iza kubandakanya oku kulandelayo:
- Uhlalutyo lwimeko yakho yangoku kunye nokulungiswa kweengxelo zezemali, njenge-net worth.
- Ucwangciso lwe-inshurensi
- Ukuphakamisa ukusetyenziswa kweprogram yomhlalaphantsi yomqeshi wakho, okt 401k yakho.
- Utyalo-mali.
- Ukuhlawula irhafu yerhafu.
- Ucwangciso lwezindlu.
Kwamava am, iintlanganiso zokuqala zabaxhasi zijolise kwinqanaba lokuqala - ukufumana ingqondo apho ukhona nalapho ufuna ukuya khona. Kule nqanaba, ndiyakuthanda ukunceda abathengi bam ukuphuhlisa ixesha lokuphila kwabo. Oku kunceda ukucacisa izinto ezahlukeneyo, njengokuba umthengi kufuneka azisindise kwaye yeyiphi na impahla yefayili kufuneka ifakwe kwiphothifoliyo yakhe.
Oku kuqhubela phambili kwingxoxo malunga nebala lesihlanu - irhafu, kunye nendlela yokunciphisa. Ucwangciso lwe-inshurensi kunye nokwandisa i-401k ngokuqhelekileyo ngokulandelayo kwi-ajenda.
Kukho amawaka eengcali zeCFP eUnited States. Ngomnye uphando, ngokuqinisekileyo uya kufumana iqabane elifanelekileyo leCFP. Okokuqala, ungamkeli ukuba umntu ngumqeqeshi weCFP nje ngokuba basebenzisa isihloko. Kuphela abo baqinisekisiwe yiBhodi yeCFP bavunyelwe ngokwenene. Amanqaku e-CFP angaqinisekiswa kwiwebhusayithi yeBhodi yeCFB.
Ibhodi yeCFP nayo yindawo enhle yokufumana uMcwangcisi wezeMali oqinisekisiweyo. Ukuba ufuna umcwangcisi-mali kuphela, khangela i-National Association of Financial Planners.
Iinjongo Zokugcina Ingqondo
Nazi ezinye iindawo ekuhloliseni ngazo xa uthengisana nomcebisi onokuthi unokusingatha imali yakho:
- Ujongene njani nokucwangcisa imali? Qinisekisa ukuba ifilosofi yokutyalo-mali isicwangciso esinobudlova okanye isilondoloze kakhulu kwi-ajenda yakho kunye neemfuno
- Chaza isiseko sakho somxhasi . Abanye abacwangcisi badinga ubuncinane bomhlaba okanye banamanye amashitha athile kubaxhasi. Qinisekisa ukuba awuyi kuba ngumva.
- Ndixelele ngamava akho . Kuyacaca ukuba, ukujikeleza kwamashishini amaninzi ku-CFP ubonayo, ngcono.
- Ziziphi iziqinisekiso zakho? Buza malunga neenkcukacha zakhe kwaye uzame ukufumanisa ukuba unenomdla kakhulu kwimali.
- Ngubani oza kubamba iakhawunti yam? Abanye abaqeqeshi beCFP baphatha bonke abathengi ngokuthe ngqo, ngelixa abanye basebenza neqela. Buza ukudibana nawaphi na amanye amalungu eqela, kwaye ujonge iinkcukacha zabo.
- Uhlawulwa njani? Abacebisi banokufumana iikomishini kunye / okanye iimali. Qiniseka ukuba konke oku kuchazwe kwisivumelwano sakho. Izitifiketi ze-CFP kuphela (eziquka mna) zihlawulwa kuphela nguwe - azifumani iikomishishini zokuthengisa kwiimveliso ezahlukeneyo zotyalo-mali.
- Uhlawula malini? Fumana uqikelelo olucacileyo lweerhafu zeeyure, imirhumo yokugqibela, okanye iipesenti zekhomishini.
- Uyabona naziphi iimbambano zomdla? Kwakhona, ootitshala beCFP kufuneka bahambelane nekhowudi yokuziphatha engqongqo efuna ukuba babeke iimfuno zabo phambi kwabo bonke abanye.
- Ngaba uye waqeqeshwa ngenxa yezenzo ezingekho mthethweni okanye ezingekho mthethweni ? Ibhodi yeCFP, iGunya loLawulo lwezeMali yezeMali (i-FINRA), kunye ne-inshurensi yomhlaba kunye nabalawuli beemfanelo eziyimithombo enobungqina beli ngcaciso.
Khetha uCwangcisi wezeMali oyiNgcaciso ngokuqinisekileyo, kwaye uya kuba neqabane lobomi, oya kunceda ukwakha ikusasa lakho kwaye anike uxolo lwengqondo namhlanje.