Ukuqulunqwa kweZiko eziBonakalayo emva kwegama lomcebisi
Isinyathelo sokuqala esibandakanyekayo ekutshintsheni ubuchwepheshe bezemali kukuqonda ukutyunjwa emva kwegama lakhe kwaye ukwazi kakuhle oko kuthetha ntoni-kuya kukuxelela ukuba luhlobo luni lwezemali aqeqeshwe kuyo.
UkuCwangciswa kwezeMali
Khangela umqeqeshi oye wafumana i-CFP ® -Certified Financial Planner TM- ukudluliselwa xa ukhetha umcebisi wezezimali oqeqeshiweyo kwintsapho yakho. Kumele ahlangabezane nemfundo yeBhodi yeCFP ® , iimviwo, amava kunye neemfuno zokusebenzisa lo mbhalo.
Olu vavanyo lubandakanya ububanzi obubanzi bomshuwalense, utyalo-mali, irhafu, ukucwangciswa kwempahla, kunye nezicwangciso zemali. Uninzi lwaba baqeqeshi ziyingcali enye, nangona kunjalo, kwaye basebenzisa abanye abaqeqeshi kwiinkcukacha zabo zokusingatha imiba engaphezu kwamandla abo. Unokufunda okungaphezulu malunga nokuqokwa kweCFP ® kwiBhodi yeMigangatho yeCFP ® .
Olunye uhlobo olubizwa ngokuba yi-PFS. Lo ngumcebisi wezezimali otyunjwe ngabaQebethi beeNkcazo zikaRhulumente okanye iiCPAs. Enyanisweni, kuphela ii-CPA zifumana i-PFS. Unokufuna ukufumana umntu onolu xwebhu ukuba uye wakhupha iimfuno zokucwangcisa irhafu kunye neemfuno zocwangciso lwezemali.
Ukutyunjwa koMgcini-mali
Nangona iingubo ezininzi zibonisa ukuba umntu unokuba nolwazi olusebenzayo kubemi abakhulileyo, abaninzi abanokuthenjwa njengokwethenjelwa. Ukuba usondele kufuphi nomhlalaphantsi, iWall Street Journal ithi uya kufuna ukuba umcebisi wakho wezezimali abe nelinye la magama alandelayo:
- Umhlalutyi wokuLawula umhlalaphantsi ®, okanye i-RMA ®, eyasungulwa nguMbutho wezeMali weRhafu yeRhafu
- I-Retirement Income Certified Professional, okanye i-RICP, enikezwa nge-American College
- Umcebisi wezeMhlala-phantsi oqinisekisiweyo okanye i-CRC, esungulwe yi-International Foundation yeMfundo yoMhlala-phantsi
Unokufumana ukuthelekiswa okucacileyo kwezi zikhundla ezintathu zenkampani kaMichael Kitces kwi-RICP kunye ne-RMA vs CRC - Ukukhetha iNgqungquthela Yokufumana Imali Eyona Ngcono Yabaxhamli bezeMali.
Ulawulo lwezoTyalo-mali
Ukuba ukhangele ukuqesha umcebisi-mali-mali ukulawula iphothifoliyo yamasheya ngamnye kunye nezibophelelo, fumana umntu obizwa ngokuba nguCFA ® . Olu bhengezo lubhekisela kwi-Chartered Financial Analyst kwaye lithetha ukuba kufuneka afunde iminyaka emininzi kwaye abonise ulwazi olunzulu lwe-industry securities ngokudlula amanqanaba amathathu eemviwo. Uninzi lwemisebenzi ephezulu kwihlabathi lokulawulwa kweengxowa-mali zigcinwe ngabantu abaye bafumana ubuncinane ukuqokwa kweCFA.
Ukuba uqesha umcebisi ukuba uphathe iphothifoliyo yemali okanye ukhethe abacebisi abaphantsi kweengxenye ezahlukeneyo zepotfolio yakho, qwa lasela umntu obambe isatifikethi seCIMA. I-CIMA imele i-Certified Investment Management Analyst®.
Olu qulunqo ludinga ulwazi lobuchwephesha lweenkcukacha, iimali-mali, ezoqoqosho, iimarike ezizodwa, imfundiso yeepotfoliyo, iimali zokuziphatha, kunye nokugxila kumphathi wepottoliyo wokwakha iipowfoliyo ezihlukeneyo.
Abasebenzi be-inshurensi
Ngokuxhomekeke kwiimfuno zakho ze-inshurensi ezithile, ungeke ufune umntu ophumelele kwiqondo lokubhala phantsi okanye ukuqonda ngokucacileyo ukuba kutheni umkhiqizo othile we-inshurensi uxabiso ngokuthe ngenye indlela. Kodwa abaninzi abacwangcisi basebenzisa inshuwalense njengendlela yokudlulisela umngcipheko okanye ukucwangcisa irhafu, ngoko kuyaqondakala ukuba uqonde imvelaphi yobungqina bakho bomshuwalense.
Abaninzi balaba baqeqeshi babamba iqumrhu leChartered Financial Consultant ® okanye uCFC. Umqeqeshi oqhelekileyo we-ChFC uza kuchitha iiyure ezingama-400 ukuze afumaneke kulo mqondiso kwaye kufuneka agqibe iiyure ezingama-30 zemfundo eqhubekayo rhoqo kwiminyaka emibili ukuyigcina.
Imimandla ekhethekileyo yokutshintshwa kobutyebi kunye nokucwangciswa okubanzi kugxininiswe nale nkcazo.
Iinkonzo ezongezelelweyo
Umcebisi wezezimali unokufumana ezininzi, ezinye ezininzi izibhengezo, kodwa ezininzi zazo azidingi imigangatho enzulu. Ziyilwe yenzelwe ukunceda umntu ongeze iileta emva kwegama lakhe. Unokufunda okungakumbi malunga nezinye izibhengezo ngokuya Ukuqonda Imisebenzi yeZimali, indawo exhaswe ngenye yee-arhente zokulawula iinkonzo zemali.
Njalo qwa lasela iingxelo zakho zomcebisi kunye nerekhodi yengxelo ngaphambi kokuba umqeshe.