Kodi wokonza zachuma angakuthandizeni bwanji?

Kukonzekera kwachuma kumachitika tsiku ndi tsiku, ndikulemekeza luso lanu ndi zomwe mumaika patsogolo. Zochitika pamoyo nthawi zambiri zimakhala zosayembekezereka. Ndondomeko yabwino yazachuma ndi yosinthika ndipo iyenera kuwonetsa zokhumba zanu ndi zenizeni zanu. A Financial Planner amakuthandizani kupanga bajeti yaukwati wanu mwachitsanzo.

Munkhaniyi, Finance de Demain amakudziwitsani za udindo wa wokonza zachuma. Koma musanayambe, nayi maphunziro athunthu azamalonda anu.

🥀 Kodi wopanga ndalama amachita chiyani?

Wokonza zachuma amakuthandizani kumvetsetsa zomwe zolinga zanu zachuma ndi. Zimakuthandizani kupanga dongosolo kuti mukwaniritse. Kaya ndikusungira nyumba yatsopano,kuyika ndalama zopuma pantchito, ikani ndalama zothandizira maphunziro a ana anu, sankhani inshuwalansi yomwe mukufuna, kapena zonse zomwe zili pamwambazi.

Amasanthula mbali zonse za chuma chanu ndikugwiritsa ntchito ukatswiri wawo ndi luntha kukuthandizani kutanthauzira ndikukwaniritsa zolinga zanu. Izi zingaphatikizepo njira za kubweza ngongole, magawo abwino aakaunti anu opuma pantchito, ndi zina.

🥀 Financial Planner vs Financial Advisor

Terms ndondomeko zachuma et mlangizi wazachuma nthawi zambiri amagwiritsidwa ntchito mosiyana. M'malo mwake, mitundu yonse iwiri ya akatswiri imapereka ntchito zokonzekera zachuma zomwe zimathandiza makasitomala kukwaniritsa zolinga zawo zachuma.

alangizi azachuma, komabe, nthawi zambiri amawonedwa ngati gulu lalikulu kwambiri. Ndi akatswiri omwe amayendetsa ndalama zanu, amakonza inshuwaransi ndikukhala ngati wogulitsa masheya, kuphatikiza pakupereka ntchito zokonzekera zachuma. Okonza zandalama amadzichepetsera ku mautumiki okhudzidwa kwambiri.

🥀 Mitundu ya Financial Planner

Ndikofunika kuzindikira kuti " ndondomeko zachuma palokha ndi mawu osalamulirika aambulera. Aliyense akhoza kudzitcha yekha wokonza zachuma ndikupereka ntchito zokonzekera zachuma.

Ena amatha kukhala okhazikika pazinthu zina zokonzekera monga kupuma pantchito kapena kuwongolera msonkho. Ena, komabe, amatenga njira yowonjezereka. Ochepa sangakhale ndi zokonda zanu ndipo amapeŵa bwino.

✔ Fiduciary Financial Planner

Wokonza zachuma wodalirika amafunikira kuti achite zinthu zokomera kasitomala wake. Mawu akuti fiduciary duty amatanthauza kuti wokonza mapulani amayenera kuika zofuna zachuma za kasitomala wake patsogolo pa zake.

Mwachidziwitso, wokonza zachuma wa fiduciary ayenera kupereka makasitomala awo njira zothetsera mavuto pamtengo wotsika kwambiri. Izi zili choncho mosasamala kanthu za chindapusa kapena ntchito zomwe wokonza amapeza, kuchokera kwa kasitomala kapena magwero ena.

Okonza ndalama ena amangogwiridwa ndi muyezo wokwanira. Pansi pa kuyenerera, malingaliro a okonza zachuma ayenera kukwaniritsa zosowa zanu. Koma amaloledwa kupangira zinthu kapena ntchito zomwe zimakulipirani chindapusa chokwera kapena kupeza ndalama zochulukirapo kuposa zofananira.

Posankha ndondomeko ya zachuma, ndondomeko yabwino nthawi zonse ndikusankha trasti kuti mudziwe kuti katundu ndi ntchito zomwe amalimbikitsa ndi zabwino kwa inu, osati iwo.

✔ Wotsimikizika Financial Planner (CFP)

Certified Financial Planner ndi chiphaso chamakampani chokhala ndi zofunikira zamaphunziro komanso zamakhalidwe abwino zomwe zimakonzekeretsa ziphaso kuti zipereke ntchito zokonzekera zachuma.

Makamaka, ma CFP onse ayenera kukhala ngati matrasti, ndipo ambiri amagwira ntchito pamalipiro okha. Zomwe zikutanthauza kuti azilipidwa ndi inu okha, osati ndi zomwe amapangira.

Chifukwa cha maphunziro awo ochuluka komanso mfundo zodalirika, Ma CFP ndi mizati ya gulu lokonzekera zachuma ndi komwe makasitomala ambiri amasankha kuyamba ulendo wawo wokonzekera zachuma.

✔ Investment Advisor

Alangizi a Zamalonda ndi anthu kapena makampani omwe amathandiza makasitomala kugula ndi kugulitsa zitetezo ndipo amatha kupereka upangiri wazachuma. Pali mitundu iwiri ikuluikulu, yosiyanitsidwa makamaka ngati amatsatira muyezo wokwanira kapena mulingo wodalirika:

Oyimira Olembetsedwa: Oyimilira Olembetsa amagula ndikugulitsa zitetezo m'malo mwa makasitomala awo ndipo nthawi zambiri amakhala ndi zilolezo ndi makampani opanga ma brokerage omwe amawalemba ntchito. Ndi oyimira ambiri olembetsedwa, mumapanga zisankho ndipo woyimilirayo amangozichita.

Komabe, ena amadziwonetsera okha ngati alangizi a zachuma kapena okonza mapulani. Ngati musankha kugwira ntchito ndi Woimira Wolembetsedwa yemwe amapereka upangiri wazachuma, dziwani kuti amangogwiriridwa ndi mulingo woyenera, womwe ungakhudze malonda ndi ntchito zomwe amakupatsani.

Oimira alangizi a zachuma: Oimira Investment Advising Representatives (IARs) amalembedwa ntchito ndi makampani otchedwa Registered Investment Advisers (RIAs), omwe ndi makampani omwe amapereka uphungu wa zachuma ndi ntchito zokonzekera.

Mosiyana ndi Oyimilira Olembetsedwa, ma RAI amagwiridwa pamlingo wovomerezeka. Ambiri angakhale ndi ziyeneretso zina, monga CFPs, kuti awonjezere luso lawo lakukonzekera zachuma.

✔ Robo-mlangizi

Alangizi a Robo amapereka kasamalidwe ka ndalama. Ambiri amakuikani m'malo opangira ndalama omwe adakonzedweratu kutengera zolinga zanu komanso kufunitsitsa kuchitapo kanthu pachiwopsezo chomwe adzakuwongolerani ndikukusungirani pakapita nthawi.

Mabotolowa ndi ma RIA mwaukadaulo, kutanthauza kuti alinso ndi mulingo wodalirika, ndipo ochulukira akuwonjezera zopereka zawo zokha ndi ndondomeko yazachuma yoperekedwa ndi okonza mapulani a anthu ndi CFPs.

Ngati ndinu Investor wa newbie yemwe nthawi zina amafunikira chithandizo cha wokonza zachuma, njira yosakanizidwa iyi ikhoza kukhala yoyenera.

✔ chuma manager

M'malo mwake, oyang'anira chuma ndi okonza zachuma kwa anthu olemera kwambiri. Chifukwa chamakasitomala omwe amagwira nawo ntchito, amakhala ndi chidwi kwambiri pazandalama zomwe nthawi zambiri zimakhudza anthu olemera, monga kukonza malo, kukonza malamulo, komanso kuyang'anira zoopsa kuti asunge katundu.

Monga ndi mawu akuti wokonza zachuma, woyang'anira chuma alibe malamulo, zomwe zikutanthauza kuti aliyense, mosasamala kanthu za zomwe ali nazo, akhoza kudzitcha yekha woyang'anira chuma. Izi zikutanthauza kuti ena okha, koma osati onse, oyang'anira chuma ndi matrasti.

🥀 Kodi mukufunikira wokonza zachuma?

Ngakhale kuti pafupifupi aliyense angapindule ndi ntchito za wokonza ndalama, zoona zake n’zakuti si aliyense amene angafunike. Ngati ndalama zanu ndizosavuta, kutanthauza kuti mumagwira ntchito, muli ndi ndalama, ndikuyika ndalama mu akaunti yopuma pantchito, simungafune ndalama zokonzekera.

Komabe, wokonza zandalama angakuthandizeni ngati ndalama zanu zili zovuta kwambiri kapena ngati zinthu zikusintha, monga:

✔ Mudzalandira chiwongola dzanja chachikulu

Ngati mukukumana ndi kuchuluka kwa ndalama mwadzidzidzi, monga bonasi yaikulu ya ntchito kapena cholowa pambuyo pa imfa ya wokondedwa, wokonza zachuma adzagwira ntchito nanu kupanga ndondomeko ya ndalama kuti muthe kukwaniritsa zolinga zanu.

✔ Ndalama zanu zimasintha

Ngati mutapeza ntchito yatsopano yomwe imasintha kwambiri ndalama zanu, wokonza zachuma angakuthandizeni kupanga bajeti yatsopano ndikusintha zopereka zanu zopuma pantchito.

✔ Mukukwatiwa

Ngati mukwatirana, inuyo ndi mwamuna kapena mkazi wanu wam’tsogolo mungakumane ndi wokonza zandalama kuti mukambirane mmene mungasamalire ngongole zomwe zilipo kale, kusunga nyumba yatsopano, kapena kukonzekera ana m’tsogolo.

✔ inu chisudzulo

Okonza zandalama angakuthandizeninso kuthana ndi mavuto, monga kusudzulana. Pogwira ntchito ndi katswiri wokonza zandalama yemwe amagwira ntchito yothetsa mabanja, mutha kupeza chithandizo chodziwira chithandizo cha ana ndi alimony, kugawa chuma chanu, komanso kumvetsetsa malamulo amisonkho.

✔ M’banjamo munabwera mwana watsopano

Ngati mukukonzekera kubereka kapena kubereka, wokonza zachuma angakuthandizeni kusankha mtundu wa inshuwalansi ya moyo yomwe mukufuna komanso momwe mungasungire maphunziro a koleji a mwana wanu.

🥀 Momwe mungasankhire wokonza zachuma 

Ngati muwona kuti kugwira ntchito ndi wopanga ndalama ndi chisankho choyenera kwa inu, pali zinthu zingapo zomwe muyenera kuyang'ana:

✔ Kudalirika ndi kudalira

Chifukwa aliyense akhoza kudzitcha yekha wokonza zachuma, ndi nzeru kufunafuna ziyeneretso zolemekezeka kwambiri, monga:

CFP: A CFP ili ndi zida zokwanira kukuthandizani kukonzekera mbali zonse za moyo wanu wazachuma. Ngati mukuyang'ana chithandizo chambiri kuti ndalama zanu ziziyang'aniridwa, CFP ndi malo abwino kuyamba popeza onse ayenera kukwaniritsa zofunikira ndikuchita ngati matrasti kwa makasitomala awo.

CPA: A Certified Public Accountant (CPA) amagwira ntchito yokonzekera misonkho ndipo ali ndi chilolezo m'boma lake. Ngati mukuyang'ana chithandizo choyendetsera ndalama zomwe mumapeza kapena kuchepetsa zomwe muli nazo pa nthawi ya msonkho, mungafune kutembenukira ku CPA.

CFA: A Chartered Financial Analyst (CFA) atha kukhala ngati okonza zandalama, ngakhale ambiri amasankha kuthandiza mabizinesi kuyang'anira ndalama zawo, m'malo mwa ogula payekha.

Izi zikuti, ngati mupeza CFA yopereka ntchito zokonzekera ndalama, dziwani kuti adutsa mayeso ambiri okhwima amakampani ndipo ali ndi zaka zambiri zaukadaulo zomwe zimawayenereza mutuwu.

✔ Udindo wa fiduciary

Ngati simuli katswiri wazachuma, mwina simukudziwa za ins and outs za zinthu zambiri zandalama ndi ma code awo amisonkho. Ichi ndichifukwa chake ndikofunikira kukhala ndi katswiri wokutsogolerani panjira yomwe amakufunirani zabwino zachuma.

Tsoka ilo, si onse okonza zachuma omwe ali odalirika. Ena amangopereka malangizo pazinthu zomwe amagulitsa, monga mabizinesi ena kapena maakaunti a inshuwaransi. Athanso kukulozerani kuzinthu zomwe zingawapatse ma komishoni apamwamba.

✔ Kapangidwe kamalipiro

Okonza zachuma amatha kulipidwa m'njira zosiyanasiyana. Ena amadalira ma komisheni kuchokera kuzinthu zomwe amalimbikitsa; ena amakulipirani peresenti ya zinthu zomwe amakusamalirani. Enanso amalipira pa ola limodzi kapena mwezi uliwonse kapena pachaka.

Onetsetsani kuti mukudziwa momwe ndondomeko yanu ya zachuma idzalipire pa ntchito zawo musanakumane nawo. Ngakhale CFPs wamba akhoza mwapadera mitundu yeniyeni ya makasitomala, monga madokotala, maloya, kapena amene ali ndi ngongole ngongole ophunzira.

Funsani omwe angakhale okonzekera zachuma za mitundu ya anthu omwe amagwira nawo ntchito. Komanso funsani za mitundu ya mautumiki omwe amakonda kupereka. Mwanjira iyi, mutha kuwonetsetsa kuti mumasankha katswiri wodziwa zambiri pamitundu yamavuto azachuma omwe mumakumana nawo.

🥀 Kutsiliza

Kugwirizana kwangwiro kwa ndalama ndi ndalama ndizovuta kukwaniritsa muzochita. Ichi ndichifukwa chake kukonzekera kwa ndalama zosungirako nthawi zambiri kumayang'ana thumba la ndalama zomwe mukufunikira kapena malire a njira zolipirira.

Zomwe zimafunikira pazachuma zamagulu pawokha ndizomwe zimatsimikizira kuchuluka kwa nkhokwe izi. Wokonza zachuma amakuthandizani kuti muyanjanitse ndalama zanu. Tsopano mukudziwa udindo wa ndondomeko zachuma.

Ngati ndinu mmodzi wa akatswiri m'munda, ndiye tisiyeni zomwe mwakumana nazo mu ndemanga. Koma musananyamuke, nayi maphunziro omwe amakupatsani mwayi wodziwa bwino ndalama zanu.