- Ilondoloza ukuthola umhlalaphansi
- Ilondoloza ekolishi
- Ilondoloza ukuthenga ikhaya noma imoto
- Ukubhajethi
- Ukulawula izindleko
- Ukuboleka
- Ukutshala imali
Abakhiqizi abaningi basebenza ngokuzimela noma emafenjini amancane, nakuba amafemu ezinsizakalo ezinkulu zezezimali zingeza abahleli bezezimali kubasebenzi babo noma bafakazela ukuthi abacebisi babo bezezimali (noma abacebisi bezezimali ) nabo baqinisekiswa njengabahleli bezezimali.
A
Thola Ukuvula Imisebenzi: Sebenzisa leli thuluzi ukuze uthole ukuvuleka kwemisebenzi yamanje emkhakheni.
Imfundo
I-bachelor's degree iyona ukutholakala okungenani kwezemfundo okulindelwe umhleli wezezimali. Imisebenti yezimali, ukubalwa kwezimali kanye / noma ezokwezimali kuyasiza, nakuba kungadingeki. Amakhono anamandla okuxazulula izinkinga nokuxazulula izinkinga kubalulekile, kodwa kunjalo namakhono okuxhumana nokuthengisa. I-MBA ingenza ube ngumsebenzi othakazelisayo kakhulu womsebenzi, kuye ngokuqinile.
Isitifiketi
Izimfuneko zomthetho zokusebenza njengomhleli wezezimali zihluka ngobuso. Ngisho nasezikhundleni ezingekho ngaphansi komthetho, ukudlulisa ukuhlolwa ukuba yi-Certified Financial Planner (CFP) kuphakanyiswa kakhulu. Ukuqokwa kwe-CFP kwandisa ukwethembeka kwakho nokuhweba, kubaqashi nabathengi abafana nabo.
Imisebenzi Nemithwalo Yemfanelo
Umhleli wezezimali usiza amaklayenti ukudala isabelomali siqu, ukulawula izindleko, ukubeka imigomo yokusindisa nokusebenzisa amasu okuqoqa ingcebo.
Angase abe nobuhlobo obusebenzayo nabeluleki bezezimali , abaphathi bezokutshala izimali kanye / noma izinkampani zesikhwama sokubambisana, esebenzisa labachwepheshe ngokutshalwa kwemali kwamakhasimende abo. Umsebenzi udinga ukugcina okwamanje mayelana nentuthuko emikhiqizweni yezezimali , imithetho yentela kanye namasu okuphathwa kwezimali siqu, ikakhulukazi ngokuphathelene nezinhlelo zomhlalaphansi kanye nezizinda.
Ukuphumelela kudinga ikhono lokuthengisa, kokubili ekuthengeni kwamakhasimende amasha nasekuthuthukiseni imibono emisha ukuthuthukisa isimo sezimali samaklayenti akhona.
Ishejuli Esijwayelekile
Ukuzibophezela kwesikhathi kuguquke kakhulu, kuxhomeke kulolu hlobo lomkhuba owenzayo, ukulayishwa kwamakhasimende akho, nomzamo owenza ekutholeni amaklayenti amasha. Ngakho-ke, ingahle isuke kumzamo wesikhathi sesikhathi samahora angaba ngu-40 ngesonto kuya komunye owedlula amahora angu-40. Ukwamukela amashesimende amaklayenti abo, abahleli bezimali njalo kumele bafumane imihlangano kanye nokubonisana ngocingo kusihlwa nangezimpelasonto.
Yini Okufanele Uyenze
Kuye ngokuqinile, umhleli wezezimali angajabulela izinga eliphezulu lokuzimela kobuchwepheshe. Umsebenzi kufanele ukhankase kulabo abathanda ukufundisa, ngoba amakhasimende akho amaningi angeke aqiniseke ngokwezezimali futhi adinga imfundo kwizinto eziyisisekelo zemali yomuntu siqu. Umsebenzi uphinde unikeze ithuba lokuthuthukisa izimpilo zabaklayenti bakho ngendlela ebonakalayo.
Okungafani
Amaklayenti angenakudingeka ngokwezezimali ngokuvamile adinga ukugcinwa okuningi kusuka kumhleli wezezimali, angaba nokulindela okungenangqondo, futhi angase asole umhleli ngokuhluleka kwakhe ukulandela izincomo.
Abahleli bangabhekana nezingxabano ezithakazelisayo. Isibonelo, umhleli wezezimali ekuqashiwe kwenkampani yokuthengisa emasheya angasondelwa ukuba aphakamise imikhiqizo ethile yokutshalwa kwezimali engase ingafanele ngokuphelele amakhasimende abo. Ngokufanayo, abahleli abasebenza amafemu amancane anesivumelwano sokuqondisa ibhizinisi kubacebisi abathile bezezimali, abaphathi bemali noma izimali ezihlangene babhekana nezingxabano ezifanayo.
Umholo Wemiholo
Ngokusho kwedatha eyenziwe yi-Princeton Review, amaholo ajwayelekile abahleli bezimali angadlula u-R6 000 000 kulabo abaneminyaka engu-10-15. Noma kunjalo, ukuqala ukukhokha kungase kube ngaphansi kuka-$ 20,000. Njengoba kuphawuliwe ngenhla, abahleli abaningi bezezimali baziqashile noma baqashwe emaqenjini amancane, azimele. Abahleli kulezi zimo bangase babe nemali engaphezulu eguquguqukayo kunalabo abaqashwe amafemu amakhulu, kuye ngokuthi isimo sebhizinisi sishintsha.