Murongi wezvemari angakubatsira sei?

Kuronga kwemari kunoitwa zuva nezuva, uku uchiremekedza kugona kwako uye zvaunokoshesa. Zviitiko zvehupenyu kazhinji hazvitarisike. Hurongwa hwekuita hwemari hwakanaka hunochinjika uye hunofanira kuratidza zvaunoshuvira uye chokwadi chako. Murongi wezvemari anokubatsira iwe kugadzira iyo bhajeti remuchato wako somuenzaniso.

Muchikamu chino, Finance de Demain inokuzivisa nezvebasa remurongi wezvemari. Asi usati watanga, heino dzidzo yakakwana yekutengesa iwe.

🥀 Murongi wezvemari anoita sei?

Murongi wezvemari anokubatsira kuti unzwisise kuti zvinangwa zvako zvemari ndezvipi. Zvinokubatsira kugadzira hurongwa hwekuzvizadzisa. Kunyangwe kuri kuchengetedza imba itsva,kuisa mari yekurega basa, tsaura mari yedzidzo yevana vako, sarudza kuti ndezvipi zvigadzirwa zveinishuwarenzi zvaunoda, kana kuti zvese zviri pamusoro apa.

Vanoongorora zvese zvemamiriro ako emari uye vanoshandisa hunyanzvi hwavo uye njere kukubatsira kutsanangura nekuzadzisa zvinangwa zvako. Izvi zvinogona kusanganisira mazano e kudzorera chikwereti, yakanakira asset kugoverwa kwemaakaundi ako ekurega basa, nezvimwe.

🥀 Financial Planner vs Financial Advisor

Terms murongi wezvemari et chipangamazano wezvemari kazhinji inoshandiswa zvakasiyana. Muchokwadi, ese ari maviri marudzi enyanzvi anopa masevhisi ekuronga emari anobatsira vatengi kuzadzisa zvinangwa zvavo zvemari.

varairidzi vezvemari, zvisinei, zvinowanzoonekwa sechikamu chakafara zvikuru. Ivo inyanzvi dzinobata mari yako, kuronga kuvharwa kweinishuwarenzi uye kuita semutengesi wemari, mukuwedzera pakupa masevhisi ekuronga mari. Vanoronga zvemari vanozviganhurira kune mamwe masevhisi anonangwa.

🥀 Mhando dzeFinancial Planner

Zvakakosha kuziva kuti " murongi wezvemari pachayo inguva isina kudzorwa neamburera. Chero ani zvake anogona kuzvidaidza kuti murongi wezvemari uye kupa masevhisi ekuronga zvemari.

Vamwe vanogona hunyanzvi mune zvimwe zvinhu zvekuronga senge pamudyandigere kana kutonga mutero. Vamwe, zvisinei, vanotora nzira yakanyanyisa. Vashoma vangave vasina kana zvido zvako zvakanaka pamwoyo uye vanodziviswa zvakanakisisa.

✔️ Fiduciary Financial Planner

A fiduciary financial planner anodiwa kuti aite zvakanakira mutengi wake. Izwi rokuti fiduciary duty rinoreva kuti murongi anodiwa kuti aise zvido zvemari zvemutengi wake pamberi pezvake.

Mune mazwi anoshanda, mugadziri wezvemari anofanirwa kupa vatengi vavo mhinduro dzakanakisa pamutengo wakaderera. Izvi hazvinei nechero muripo kana makomisheni anotambira anoronga, kubva kumutengi kana mamwe masosi.

Vamwe varongi vezvemari vanongobatwa kune chiyero chakakwana. Pasi pechiyero chekukodzera, kurudziro dzemugadziri wezvemari dzinofanirwa kusangana nezvido zvako. Asi ivo vanotenderwa kukurudzira zvigadzirwa kana masevhisi anokubhadharisa mari yakakwira kana kuwana iwo makomisheni epamusoro pane zvigadzirwa zvakafanana.

Pakusarudza murongi wezvemari, iyo yakanakisa mutemo ndeyekusarudza mutirastii saka iwe unoziva zvigadzirwa uye masevhisi avanokurudzira akanakira iwe, kwete ivo.

✔️ Certified Financial Planner (CFP)

Iyo Certified Financial Planner iratidziro yeindasitiri ine zvakaomesesa zvedzidzo uye zvetsika zvinodiwa izvo zvinogadzirira zvizere zvitupa kuti zvipe akakwana ekuronga mari masevhisi.

Zvinonyanya kukosha, maCFP ese anofanirwa kuita sematirastii, uye mazhinji anoshanda pamubhadharo-chete. Zvinoreva kuti vachabhadharwa newe chete, kwete nezvigadzirwa zvavanokurudzira.

Nekuda kwekudzidziswa kwavo kwakawanda uye fiduciary zviyero, MaCFP ndiwo mbiru dzenharaunda yekuronga mari uye uko vatengi vazhinji vanosarudza kutanga rwendo rwavo rwekuronga mari.

✔️ Investment Advisor

Vanachipangamazano vekudyara vanhu kana mafemu anobatsira vatengi kutenga nekutengesa zvibatiso uye vanogona kupa zano rezvemari. Kune marudzi maviri makuru, anonyanya kusiyaniswa zvichienderana nekuti anoomerera kune yakakwana mwero kana fiduciary standard:

Vamiririri Vakanyoresa: Vamiriri Vakanyoreswa vanotenga nekutengesa zvibatiso vakamiririra vatengi vavo uye vanowanzopihwa rezinesi nemafemu ebrokerage anovashandisa. Nevamiriri vazhinji vakanyoreswa, unoita sarudzo uye mumiriri anongozviita.

Zvisinei, vamwe vanozviratidza sevanachipangamazano vezvemari kana kuti varongi. Kana ukasarudza kushanda neRegistered Representative uyo anopa mazano ezvemari, yeuka kuti anongobatwa chete kune mwero wekukodzera, izvo zvinogona kukanganisa zvigadzirwa nemasevhisi avanokupa.

Vamiriri vevapangamazano vekudyara: Investment Advising Representatives (IARs) vanoshandirwa nemakambani anodaidzwa kuti Registered Investment Advisers (RIAs), ari mafemu anopa mazano ezvemari nemasevhisi ekuronga.

Kusiyana neVamiriri Vakanyoreswa, maRAI anobatwa kune fiduciary standard. Vazhinji vanogona kunge vaine zvimwe zvitupa, seCFPs, zvekuwedzera kugona kwavo kuronga mari.

✔️ Robo-chipangamazano

Robo-vanopa mazano vanopa otomatiki manejimendi manejimendi. Vazhinji vanokuisa mune yakafanotsanangurwa yekudyara portfolio zvichienderana nezvinangwa zvako uye kuda kutora njodzi iyo ivo vanozokutarisira nekukuchengetera nekufamba kwenguva.

Aya mabhoti ari tekiniki maRIA, zvinoreva kuti anobatwawo kune fiduciary mwero, uye akawanda ari kuwedzera mipiro yavo otomatiki nekuronga kwakazara kwemari kunopihwa nevarongi vevanhu uye maCFP.

Kana iwe uri newbie investor anongoda nguva nenguva masevhisi emurongi wezvemari, iyi nzira yakasanganiswa inogona kunge yakakodzera.

✔️ pfuma manager

Mukuita, vatungamiri vehupfumi ndivo vanoronga zvemari kune vanhu vane mari yakawanda. Nekuda kwemutengi wavanoshanda navo, vanogaro hunyanzvi muzvinhu zvekuronga zvemari izvo zvinowanzobata vapfumi, sekuronga zvivakwa, kuronga zviri pamutemo, uye manejimendi enjodzi kuchengetedza midziyo.

Sezvinei neshoko rekuti anoronga zvemari, maneja wehupfumi haana kudzorwa, zvinoreva kuti chero munhu, zvisinei nehunhu hwake, anogona kuzvidaidza kuti maneja wehupfumi. Izvi zvinoreva kuti vamwe chete, asi kwete vese, mamaneja ehupfumi matirasti.

🥀 Unoda anoronga zvemari here?

Kunyange zvazvo anenge munhu wose anogona kubatsirwa nemabasa emurongi wezvemari, chokwadi ndechokuti havasi vose vangada imwe. Kana mari yako iri nyore, zvichireva kuti unoshanda, une mari yekuchengetedza, uye kuisa mari muakaunti yekurega, ungasada murongi wemari.

Nekudaro, murongi wezvemari anogona kukubatsira kana mari yako yakanyanya kuoma kana mamiriro ako akachinja, senge:

✔️ Iwe unogashira mhepo huru

Kana iwe ukasangana nekuuya kwemari kamwe kamwe, sebhonasi yebasa rakakura kana nhaka mushure mekufa kwemudiwa, murongi wezvemari achashanda newe kugadzira chirongwa chemari kuitira kuti ugone kuzadzisa zvinangwa zvako.

✔️ Mari yaunowana inoshanduka

Kana ukawana basa idzva rinoshandura zvakanyanya mari yaunowana, murongi wezvemari anogona kukubatsira kugadzira bhajeti idzva uye kugadzirisa mipiro yako yekurega basa.

✔️ Uri kuchata

Kana muri kuroorana, iwe newaucharoorana naye mungada kuonana neanoronga zvemari kuti mukurukure nzira yokugadzirisa nayo zvikwereti zviripo, kuchengetedza imba itsva, kana kuronga vana mune ramangwana.

✔️ mukarambana

Vanoronga zvemari vanogonawo kukubatsira kubata nemamiriro ezvinhu akaoma, akadai sekurambana. Nokushanda nemurongi wezvemari anonyanya kuita zvekurambana, unogona kuwana rubatsiro rwekuona rubatsiro rwevana uye alimony, kupatsanura zvinhu zvako, nekunzwisisa mitemo yemutero.

✔️ Mwana mutsva anouya mumhuri

Kana uri kuronga kutora kana kubereka, murongi wezvemari anogona kukubatsira kuti usarudze kuti ndeupi rudzi rweinishuwarenzi yehupenyu yaunoda uye kuti ungachengetera sei dzidzo yekoroji yemwana wako.

🥀 Nzira yekusarudza mugadziri wemari 

Kana ukasarudza kuti kushanda nemurongi wezvemari ndiyo sarudzo yakakunakira iwe, pane zvinhu zvishoma zvauchazoda kutsvaga:

✔️ Kuvimbika uye kuvimba

Nemhaka yokuti munhu upi noupi anogona kuzvidaidza kuti murongi wezvemari, kuchenjera kutsvaka zvibvumikiso zvinoremekedzwa zvikuru, zvakadai se:

CFP: A CFP yakashongedzerwa zvakanaka kukubatsira kuronga zvese zvehupenyu hwako hwemari. Kana iwe uchitsvaga rubatsiro rwezvese mukuita kuti mari yako ive pasi pekutonga, CFP inzvimbo yakanaka yekutanga sezvo ivo vese vachifanirwa kuzadzisa zvakaomesesa zvinodiwa uye kuita sevatirastii kune vatengi vavo.

CPA: A Certified Public Accountant (CPA) anonyanya kuronga mutero uye ane rezinesi mudunhu rake. Kana iwe uchitsvaga rubatsiro rwekutarisira mari yako yemutero kana kuderedza zvaunokwereta panguva yemutero, ungangoda kutendeukira kuCPA.

CFA: A Chartered Financial Analyst (CFA) vanogona kuita semurongi wezvemari, kunyangwe vazhinji vanosarudza kubatsira mabhizinesi kubata mari yavo, kwete vatengi vega.

Zvakadaro, kana ukasangana neCFA inopa masevhisi ekuronga zvemari, ziva kuti vakapasa bvunzo dzakawanda dzakaomarara dzeindasitiri uye vane makore ehunyanzvi hwekuita kuti vakwanise zita iri.

✔️ The fiduciary basa

Kana iwe usiri nyanzvi yezvemari iwe pachako, unenge usina kujairana neins uye kunze kwezvizhinji zvigadzirwa zvemari uye zvinoenderana nemitero macode. Ndosaka zvichikosha kuve nenyanzvi inokutungamirira kuburikidza nemaitiro ayo anongove neshungu dzako dzemari pamwoyo.

Zvinosuruvarisa, havasi vese vanoronga zvemari ndivo fiduciaries. Vamwe vanongopa zano pane zvigadzirwa zvavanotengesa, senge mamwe mainvestimenti kana maakaundi einishuwarenzi. Vanogona zvakare kukutungamira kune zvigadzirwa zvinovawanira epamusoro makomisheni.

✔️ Chimiro chekubhadhara

Vanoronga zvemari vanogona kubhadharwa nenzira dzisingaverengeki dzakasiyana. Vamwe vanovimba nemakomisheni kubva kune zvigadzirwa zvavanokurudzira; vamwe vanochaja chikamu chezana chezvinhu zvavanokuchengetera. Vamwewo vanochaja neawa kana kuti mwedzi wega wega kana wegore negore.

Ita shuwa kuti unoziva kuti murongi wako wezvemari achabhadharwa sei pamasevhisi avo usati wasangana navo. Kunyange maCFPs anogona kunyanya kushanda mumhando dzakasiyana dzevatengi, vakadai savanachiremba, magweta, kana avo vane chikwereti chechikwereti chevadzidzi.

Bvunza vanogona kuronga zvemari nezvemhando dzevanhu vavanowanzo shanda navo. Bvunzawo nezvemhando dzemasevhisi avanowanzo kupa. Nenzira iyi, unogona kuve nechokwadi chekuti unosarudza nyanzvi ine ruzivo rwakakura mumhando dzematambudziko emari aunosangana nawo iwe pachako.

🥀 mhedziso

Kuenderana kwakakwana kwemari uye kushandiswa kwakaoma kuwana mukuita. Ichi ndicho chikonzero hurongwa hwemari inochengeterwa mari kazhinji inonangana nehomwe yemari inotarirwa kana muganho wenzvimbo dzekubhadhara.

Iyo chaiyo liquidity inodiwa yemasekita ega ega ndiyo inogadzirisa huwandu hweizvi liquidity reserves. Murongi wezvemari anokubatsira kuyananisa mari yako. Iye zvino iwe unoziva basa remurongi wezvemari.

Kana iwe uri mumwe wevanyanzvi mumunda, saka tisiye ruzivo rwako mumashoko. Asi usati waenda, heino kudzidziswa kunokubvumira kuti ugone hunyanzvi hwemari yako.