Qaphela ukuthi lezi zihloko zemisebenzi ezifanayo zingatholakala nakwamanye amafayili ezinsizakalo zezezimali ezingaphandle komkhakha womshuwalense, njengengxenye yomxhaso kanye ne-Isaphulelo sokubambisa ukuthengiswa kwemali emikhulu, ukubalula isibonelo esisodwa.
Thola Ukuvula Imisebenzi
Sebenzisa leli thuluzi ukuze uthole amathuba okuvula imisebenzi emkhakheni wamanje.
Amalayisense kanye neziqinisekiso
Izinhlobo zamasheya kanye nemikhiqizo yokutshala izimali ummeleli wezimali ovunyelwe ukuthengisa kuxhomeke kumalayisense we- FINRA anayo . Okujwayelekile kakhulu yizimvume zokumela ze-FINRA Series 6 kanye no- Series 7 General Securities . Ngaphezu kwemigomo yomshuwalense, umuntu obambe ilayisensi ye-Series 6 angathengisa imikhiqizo ethile yokutshala izimali ezihlanganisiwe ezifana nezindleko eziguquguqukayo kanye nezikhwama zomphakathi. Ukuthengisa ububanzi obuningi bemikhiqizo yokutshala izimali, kufaka phakathi amasheya kanye nezibopho, kudingwa ilayisensi ye-Series 7, isitifiketi esifanayo esiyisisekelo someluleki wezezimali kwi-firm firm brokerage.
Ngaphakathi kwenkampani enikeziwe, inothi ukuthi abanye abameleli bezezimali bangaba ngabanikazi beChungechunge 6 ngenkathi abanye beyi-Series 7 abafanelekayo. Ngakho-ke, naphezu kokuba nesihloko esifanayo, phakathi kwalabo abakhiqizi kungaba khona ukuhluka okukhulu kwimenyu yemikhiqizo yezimali kanye nezinsizakalo abangayinikela kumakhasimende abo, nakumazinga abo kolwazi nobuchwepheshe.
Phakathi naleso sikhathi, labo abahlinzeka ngemisebenzi yokuhlela imali kufanele babambe iqhaza elibizwa ngokuthi iCredit Certified Financial Planner (CFP), kodwa iklayenti engase ibe khona akumele icabange ukuthi lokhu kuyiqiniso.
Ukuvama kwesihloko
Amanye amafemu ahamba phambili abasebenzisa isihloko sezimali ezimele phakathi kwemikhumbi yabo yokuthengisa yiNorthwestern Mutual, uJohann Hancock, Allstate, no-Guardian Life.
Ukuvuselelwa
Izinhlelo zokuvuselelwa ziyahlukahluka futhi zingase zibe ukuhlanganiswa kwemiholo, isinxephezelo sokukhuthaza (ibhonasi) kanye / noma amakhomishana . Ekhombisa umkhuba okhulayo embonini yezinsizakalo zezezimali , abameleli bezezimali bangabhekene nezindleko eziningi, njengehhovisi, indawo, imishini yokuthengisa kanye nokuthengisa. Umkhuba onjalo usuvele usungulwe ngokuqondene nomholo wemeluleki wezezimali. Ngakolunye uhlangothi, amafemu angase afake izindleko ezinjalo futhi / noma athembise iphakheji encane yokuqasha imishayo emisha eminyakeni embalwa yokuqala yokuqasha emkhakheni, ukuwasiza ukuba athole isisekelo.
Ukuthola izibalo ezinokwethenjelwa ngokukhokha okujwayelekile kuyinkimbinkimbi ngezinkinga zokuhlukanisa. Okubaluleke kakhulu, i-federal Bureau of Labor Statistics ayibiki idatha kubamele bezezimali. Izigaba zomsebenzi ezihlobene kakhulu nazo zikhona abacebisi bezezimali kanye nama-agent okuthengisa umshwalense (landela izixhumanisi zombili ezingenhla), kanye ne "Securities, Commodities, kanye nama-Sales Agent Sales Agents." Kulolu hlelo lokugcina, ukukhokha okuphakathi kukaMeyi 2014 kwakuyizigidi ezingama-72,070 kanti u-90% wathola phakathi kuka-32,170 no-187,200. Isibalo sokugcina sasivela ku-$ 166,400 ngo-2010.
Ngokusho kwamawebhusayithi e-Indeed.com nase-Glassdoor.com, umholo wesilinganiso se-"Umele Usizo Lwezezimali" uzungeza u-$ 50,000.
Izibalo ze-Glassdoor zitholakala kumaqoqo anqunyelwe kunayo yonke imininingwane evela kubasebenzisi belobhsayithi, futhi ngaleyo ndlela, ayikwazi ukuthathwa njengobanzi noma obunikazi.
Ngokufanayo, izibalo zeMeya zisekelwe ekuthunyeleni umsebenzi okwamanje ohlelweni lwazo, ngakho-ke nazo zide kakhulu. Amaphuzu wesikhokhelo esilinganisweni kuzo zombili amasayithi angabuye abe yinkimbinkimbi, eneziphakamiso nezintando ngokuya kokufakwa kuhlu kwamanje nemibiko yomsebenzisi.
Akumangalisi ukuthi ezinkampanini zokuqasha amawebhusayithi, izinkampani zomshuwalense eziholayo ngokuvamile zikhokha zonke izinkokhelo zabathengi babo bezezimali (isibonelo, ama-10% aphezulu, aphezulu noma aphezulu ngaphezulu) ngenkathi ethule ngesilinganiso semali esiphezulu, labo abasenkonzweni yabo yokuqala embalwa.
Okunye okuphambukayo: Ummeleli wezeMpilo (ukuhluka okusetshenziswa ngu-Allstate, isibonelo)