Umsebenzi Wokuthengisa Emisebenzini Yezezimali
Uma kuziwa ekutshalweni kwemali, emhlalaphansi, nasemfundweni yezingane, abantu bafuna ukusebenza nomeluleki ochwepheshe hhayi umuntu wokuthengisa ongase ahlawuliswe ngokuthengisa izimali ezithile, izimali zomphakathi noma amasheya.
Uma utshalomali luya eningizimu, kulula kakhulu kumeluleki ukuzolalisa izinzwa zomtshali-zimali kunokuba uchwepheshe wezokuthengisa enze umsebenzi ofanayo.
Kungakhathaliseki ukuthi yiziphi iziqu, zonke iziphathimandla zezezimali eziphumelelayo ziyaqonda ukuthi zombili zibophezele ukuqonda izitayela ezimakethe nokuthi zingathengisa kanjani izinsizakalo kanye nezimoto zokutshala izimali kumakhasimende. Labo abasemkhakheni wezezimali abangawamukeli ukuthi bangabathengisi bezokuthengisa, ngokuvamile baqedela izindima zokuhlaziya noma emkhakheni wezemisebenzi ohlukile.
Izitifiketi
Ukuze bathengise izimali zezimali, Abacebisi bezezimali kumele banikezwe ilayisensi. Izitifiketi ezivame ukugcinwa kakhulu yiSomqulu 6.7 no-63. Lezi zitifiketi zivumela umeluleki ukuba athengise izimali zomxhaso, izintela, izibopho, izimoto zomhlalaphansi kanye namasheya ngamanye. Abeluleki abaningi banemininingwane yokufaka izitifiketi zomshuwalense , njengokuphila, ingozi, nempilo.
Izitifiketi ezithuthukisiwe
Njengenselele njengoba uchungechunge lwama-6.7 no-63 luba njalo, ngokuvamile kubhekwe izitifiketi ezingeni lokungena embonini yezinsizakalo zezezimali.
Kulabo abazinikele ekuphumeleleni kwesikhathi eside njengomhleli wezezimali noma umeluleki, ukuqhubeka nokufunda kanye nokufaka izitifiketi kuvunyelwe.
Abacebisi abaningi bezezimali bathola i- CFA yabo kanye nokuqinisekiswa kwe-CFP. I-CFA imelela i-Certified Financial Analyst ne-CFP imelela i-Certified Financial Planner. Zombili zithathwa izitifiketi ezithathwa kakhulu futhi azivame ukutholwa kuze kube neminyaka eminingana emisebenzini yezinsizakalo zezezimali.
Ngaphandle kwalezi zitifiketi, ezinye ezihlolisweni zemboni bese zithola i-ChFC, noma umxhumanisi wezezimali we-Chartered. Ngokusho kochwepheshe bezezimali uDonna Rodgers:
Umxhumanisi wezezimali we-Chartered kumele okungenani abe neminyaka engu-3 yokusebenza komsebenzi embonini yezinsizakalo zezezimali. I-ChFC® ilungiselela ochwepheshe ukuphatha izidingo zabantu, imindeni kanye nebhizinisi elincane. Ngokusho kwe-American College, ama-ChFCs athola amaphesenti angu-51 ngaphezu kweontanga.
I-bump engenayo yedwa ingakhuthaza abaningi ukuba bathole lesi sitifiketi kanye nenzuzo eyengeziwe yokuhlonipha okuvela kontanga namakhasimende.
Izinselele kanye nemivuzo
Ngokuvamile yonke imigwaqo emikhulu eMelika inenani ihhovisi lezinsizakalo zezezimali eziyi-1, eligcwele umeluleki oyedwa noma ithimba labacebisi, ngokufuna amakhasimende amasha ngokuzikhandla nokugcina amaklayenti abo akhona. Iningi lebhange ngalinye linikeza izinsizakalo zezezimali njengoba kwenza izinkampani eziningi zomshuwalense Engeza kulolu hlu ukutholakala kwezinsizakalo zezimali ezinikezwa izinkampani ezise-Intanethi futhi uzokuqonda maduzane ukuthi imboni yezezimali zezemali inokuncintisana kakhulu.
Enye inselelo enkulu yizimiso kanye nemigomo yokutholwa kukahulumeni okumele ilandelwe yilowo nalowo Mphathi Wezezimali.
Phula umthetho futhi amalayisensi akho amiswe okwesikhashana noma avuliwe.
Kulabo abangakwazi ukunqoba lo mncintiswano, bazinikele ekutholeni izitifiketi ezidingekayo nezokuzikhethela, futhi ngubani owenza yonke ibhizinisi labo ngobuqotho, imivuzo iyamangalisa. Abahleli bezeMali eziphezulu bangathola izinkulungwane ezingamakhulu ezinkulungwane zamaRandi ngonyaka, kanye nezikhuthazo, izinsuku zokuphumula kanye nokufa kwemiklomelo .
Imisebenzi ngokuqinisekile iyona eyinkimbinkimbi kunazo zonke ukuphumelela kuyo, yingakho isizathu esiningi kakhulu sokuyeka ngemva kweminyaka embalwa nje. Imiklomelo yangempela inikezwa labo abahlala emisebenzini iminyaka emibili noma ngaphezulu futhi bazimisele ukusebenza amahora amaningi futhi babhekane nezinyanga ezinzima baze baqale ukuvuna izinzuzo.