Igama lishintshile kodwa imithwalo yemfanelo iyafana
Isikhundla saziwa nangokuthi u-executive executive, ummeli obhalisiwe, nomcebisi wezezimali.
Imininingwane, Imithwalo yemfanelo kanye nokwaziswa okukhethekile
Emuva ezinsukwini lapho abacebisi bezezimali bevame ukutholakala emafenini ezinsizakalo zezezimali, imisebenzi yabo yomsebenzi yayifana nalokho abakhona namuhla. Konke okushintshe ngempela yisihloko.
Abacebisi bezezimali bayeluleka amaklayenti ngamathuba okutshala izimali futhi lokhu kudinga ukuhlala kuze kube ngomzuzu ngokushintshashintsha emakethe. Kufanele babe abathengisi abahle kakhulu, bethengise ngokwabo, amafemu abo, kanye nemibono yabo yokutshala izimali.
Abanye abacebisi bezezimali bakhonza abantu ngabanye kanti abanye bakhonza amabhizinisi afana namaketanga noma izikhungo zokudayisa.
Amaphakheji Okuvuselelwa
Ukubuyiswa kwemali kuvamile ngamakhomishana, kodwa abanye abacebisi bezezimali nabo bathola amaholo futhi bahlawulwa ngokwengeziwe ngezinhlelo zebhonasi kanye nokwabelana ngenzuzo.
Ngokuvamile, inkokhelo ingaba kusukela ku-$ 36,000 ngonyaka kwalabo abaqala nje futhi bengakaqali isisekelo sezaklayenti esibalulekile kuze kube yizigidi ezingama-170,000 ngonyaka ukuze kubonisane nabacebisi abanolwazi.
Njengomsebenzi omkhulu, isinxephezelo sivame ukwandisa ngobukhulu kanye nokuzinza kwenkampani kanye nesinxephezelo esiphezulu esiwela endaweni engaba ngu-$ 57,000 kuwo wonke amafemu.
Umsebenzi udinga ukuzinikezela kanye nokuzibophezela kwesikhathi esiningi. Ababonisi abaningi bezezimali basebenza amahora angaphezu kwama-50 ngesonto futhi basebenza amahora angu-80 ngesonto akuvamile.
Umlando Omncane
Amafemu amaningi okuhola ama-securities brokerage firms ayethumele lokho okuzobizwa ngokuthi ukubuyiswa kabusha kwalesi sikhundla ngawo-1980. Bazama ukuthuthukisa isithombe saso futhi isihloko esithi "umxhumanisi wezezimali" kwakuyinto ethandwa kakhulu kumafemu amaningi.
Umgomo kwakuwukufaka esikhundleni sesithombe esidala somthengisi oqhutshelwa ukuthengiselana nomuntu omusha wezezimali zezemfundo oqeqeshwe kakhulu owanikeza iseluleko esibalulekile sokutshala izimali kanye neseluleko kumakhasimende.
"Umeluleki wezezimali" waqala ukuthola ukuthandwa kusukela ekuqaleni kwawo-1990 njengenye yokuvivinya umzimba. Amafemu amaningi akholelwa ukuthi lesi sihloko sidlulisela isithombe sokuthi bafuna ukukhipha ngisho nangaphezulu kunokuba "umxhumanisi wezezimali". Kubonakala sengathi ukuziphendukela kwemvelo kwacaca ukuthi indima eyeluleka yayiyingxenye eyinhloko yesithombe "sombonisi".
UMerrill Lynch Ufika eBhodini
Ngokuthakazelisayo, umholi wemboni yokuthengisa umthengisi we- Merchant Lynch waba ngowokugcina kumafemu amakhulu ukwenza lolu shintsho. Umnyango wayo wokuthobela wawunamandla kakhulu futhi wawuqapha kakhulu ngalezo zinsuku.
UMerrill Lynch wesaba ukuthi ukusebenzisa isihloko esithi "umeluleki wezezimali" kungaba nemigomo eqinile yezomthetho nokulawula ngokufakazela ukuthi abanikazi baleso sihloko babezotholakala ngaphansi kwamazinga okuthintana ngokweqile.
Ukulinganiswa kokufaneleka kokukhululeka ngokujwayelekile kwaqondisa izenzo zabathengisi, abaphathi be-akhawunti, nabamele ababhalisiwe.
Ngempela, izincwadi ezihlukahlukene zebhizinisi nezemali ezifana neThe Wall Street Journal, Barron's, neForbes zihleleke njalo ukuthi isihloko someluleki wezezimali sithinte. Abezindaba bacela indinganiso yefiduciary ukuthi ifakwe kubanikazi bayo.
Njengoba kunjalo, ukwesaba kukaMerrill kwabonakala kungenasisekelo futhi ekugcineni kwaqamba kabusha abacebisi bayo bezezimali njengabacebisi bezezimali.
Njengomthombo wokudideka okwengeziwe, ukuqokwa kwe-Chartered Financial Consultant (ChFC) kuyisibonakaliso sabahleli bezezimali .