Wenza ntoni umhlalutyi wezezimali?

Ngubani ongazange aphuphe ngokufunda ibhola lekristale ukuze alindele ukusebenza kwemarike yemasheya yeenkampani kunye nokwenza utyalo-mali olunenzuzo? Ukuba akukho bhola enjalo ikhona, umsebenzi womhlalutyi wezezimali ufana kakhulu nomsebenzi wawo. Umcuphi wezezimali wokwenyani, umhlalutyi weX-reyi udwelise iinkampani ukuvavanya inyathelo labo elinye kwangaphambili. Umsebenzi wethunzi obalulekileyo kwiimarike zemali.

Nangona kunjalo, lo msebenzi uhlala ungaziwa kuluntu jikelele. Imisebenzi yayo kanye, njengezakhono zayo eziyimfuneko, ihlala ingaqondakali.

• Yintoni kanye echaza ubomi bemihla ngemihla bomhlalutyi wezezimali?
• Loluphi uhlobo lweenkonzo kunye nabathengi olujongwe kuhlalutyo lwayo?
• Kwaye ungaba njani lo sleuth we-stock market?

Iindawo ezininzi ezingwevu esiya kuzicacisa kweli nqaku ukuze siwuqonde ngcono lo msebenzi unomdla. Bopha, siya kukhangela umhlalutyi wezezimali!

✔ Indima noxanduva uhlalutyo lwemali

Abahlalutyi bezemali badlala indima ebalulekileyo kwimisebenzi yemihla ngemihla yombutho. Une umgangato ophezulu, baphanda kwaye basebenzise idatha yezemali ukuqonda ishishini kunye nemarike ukuze babone ukuba umbutho ugcina njani.

Ngokusekelwe kwiimeko zoqoqosho ngokubanzi kunye nedatha yangaphakathi, bacebisa izenzo zenkampani, ezifana nokuthengisa isitokhwe okanye ukwenza olunye utyalo-mali.

Ewe, oku kukukrwempa kuphela uxanduva lomhlalutyi wezezimali. Nantsi eminye yemisebenzi ethe ngqo enokwenziwa ngaba basebenzi kwishishini:

Qokelela kwaye ulungelelanise ulwazi

Nokuba ziingxelo zemali zenkampani kunye nedatha yokubalwa kwembali, umhlalutyi kufuneka azi indlela yokufumana, ukuqokelela kunye nokulungelelanisa isixa esikhulu solwazi olunxulumene neshishini labo.

Phonononga iingxelo zemali

Iingxelo zemali zenkampani ziqulethe ubutyebi beenkcukacha ezibalulekileyo zomhlalutyi wezezimali. Ngokusebenzisa la maxwebhu, bayakwazi ukumisela ixabiso lentlangano.

Le yenye yezona mbopheleleko zibalulekileyo zabahlalutyi bezemali, njengoko olu lwazi lukhokela iingcebiso zabo kwaye lusebenza njengophawu lwentsebenzo yenkampani.

Cebisa ngotyalo-mali

Emva kokuhlalutya lonke olu lwazi, abahlalutyi bezemali benza izibikezelo malunga neemarike kunye nokusebenza kwexesha elizayo.

Kulapho kufuneka basebenzise ulwazi lwabo lwangaphandle kunye nezibalo zemali ukwenza iingcebiso kumagosa enkampani. Umhlalutyi wezezimali uya kudala ipotfoliyo egcwele iingxelo ezixhasa iingcebiso zabo.

Njengoko ubona, umhlalutyi wezezimali kufuneka alungele ukuthatha uxanduva oluninzi. Bamele baqhube uphando lwezemali kunye nohlalutyo, badibanise namaqela olawulo kunye namagosa enkampani, kwaye bavelise iingxelo ezibhaliweyo kunye neentetho.

Indima yakhe yahlukile kumgcini-mali oxhalabileyo imali yoshishino ukusuka kwimbono yokusebenza, kunokuba usuka kwi-angle yeqhinga lilonke lomhlalutyi wezezimali.

Abahlalutyi bezemali basebenza kwinani lamashishini ahlukeneyo, kubandakanywa izibambiso, iimpahla, izivumelwano, iibhanki zotyalo-mali, kunye nezinye iinkonzo zemali.

Kwaye ngelixa uxanduva ngokubanzi lwale ndima luchazwe ngasentla, umhlalutyi wezezimali unokukhetha i-specialization esekelwe kwizakhono zabo zobugcisa.

Ulawulo lwengxowa-mali

Aba bahlalutyi basebenza ngokukodwa iimali zehedge okanye iimali ezihlangeneyo shift. Bancedisa amaqela olawulo kunye nokuvavanya amandla abo ukunceda ukwenza izigqibo zotyalo-mali ngokuhambelana neendlela zangoku zemarike.

Ulawulo lwePotfoliyo

Wonke umbutho ufuna ipotfoliyo eyomeleleyo. Oku kufuna ulungelelwaniso olululo lweemveliso, iinkonzo, amashishini kunye nemimandla yehlabathi oza kutyala kuyo, ngaloo ndlela inegalelo kubomi obude kunye nempumelelo yeshishini labo.

Abahlalutyi bezemali basebenzisa ubuchule babo ukuhlalutya idatha yemarike kunye nezorhwebo ukucebisa isicwangciso esihle sotyalo-mali kunye neziphumo zokulinganisa.

Uhlalutyo lokulinganisa

Olu hlalutyo lwe-niche lujolise ekukhokeleni iinkampani okanye ii-arhente zikarhulumente ngokusebenzisa amacebo angcono kakhulu hlawula amatyala, njengeebhondi. Aba bahlalutyi babandakanyeka kakhulu ekuqondeni amatyala enkampani kunye nomngcipheko obandakanyekayo ukuba ibingakwazi ukuwahlawula. Nantsi indlela yokulahla ityala lakho ngokukhawuleza.

Uhlalutyo lomngcipheko

Njengoko isihloko sicebisa, umhlalutyi wengozi yezemali uvavanya isicwangciso semali senkampani ukufumana imithombo enokubakho yelahleko. Nangona kunjalo, ngokungafaniyo nendima yangaphambili, aba bahlalutyi bajolise ekunciphiseni umngcipheko wotyalo-mali kunye nokwandisa inzuzo.

Njengaso nasiphi na isikhundla, imisebenzi ethile yemihla ngemihla yomhlalutyi wezezimali nayo ixhomekeke kwinqanaba lamava abo. Ngokomzekelo, umhlalutyi wenqanaba lokungena usenokuba ngumsebenzi omtsha onesidanga se-bachelor kwezemali okanye kwezoqoqosho kunye namava athile kushishino.

Umhlalutyi omncinci usebenza njengenxalenye yeqela elikhulu kwaye ujongana ngokukodwa nemisebenzi yolawulo. Nangona kunjalo, ifuna ingqalelo enkulu kwiinkcukacha, njengoko banokuba noxanduva lokuphonononga iingxelo, ukufaka idatha, kunye nokwenza uhlalutyo olunzulu lwemarike.

Umhlalutyi ophezulu wezezimali, okwangoku, kuthatha indima esebenzayo ngakumbi ekwakheni imodeli yezemali, ukubikezela iintsingiselo kunye nokwenza iingcebiso zorhwebo.

Oku kungenxa yokuba banokufumana isidanga se-master kunye noqeqesho kwezemali kunye neminyaka engaphezulu yamava kushishino okanye kwinkampani ngokwayo. Ngokuqhelekileyo bakhokela iqela labahlalutyi kwaye balawule ukuhamba komsebenzi ukuqinisekisa ukuba iingxelo kunye neengcebiso zilungile xa iinkokeli zoshishino zifuna.

✔ Indawo yokusebenza kunye nomvuzo evela kumhlalutyi wezezimali

Ngexesha lomsebenzi wakho wobugcisa, ukufumana indawo yokusebenza ehambelana nolindelo lwakho kubaluleke kakhulu njengokufumana umsebenzi ohambelana nezakhono kunye nezinto onomdla kuzo.

Njengoko bekutshiwo ngaphambili, enye yeenzuzo zokuba ngumhlalutyi wezezimali kukuba ubuchule bakho bufunwa ngamashishini ahlukeneyo kunye nabaqeshi. Ubukhulu becala, nangona kunjalo, unokulindela ukusebenza kwindawo yeofisi.

Amanye awona mashishini axhaphakileyo apho abahlalutyi bezemali basebenza khona ngala:

Iibhanki

Iibhanki zengingqi kunye namaziko emali amakhulu onke ayazi ukuba umngcipheko ukhona kwishishini labo. Yiyo loo nto bengabona baqeshi abakhulu babahlalutyi bezemali.

Basebenzisa ubuchule kunye nezakhono zabo ukunceda ukuhlola umngcipheko wetyala, phakathi kwezinye iinkonzo. Ukongeza, banceda iibhanki zichonge amathuba amatsha otyalo-mali.

I-inshurensi

Olunye ushishino olubandakanya umngcipheko yi-inshurensie. Abahlalutyi bezemali kweli shishini banokunceda iinkampani zihlole abaviwa kwaye zivavanye amabango.

Ngokuhlanganisa iimodeli ezichanekileyo zokuhamba kwemali kunye nokuvelisa iingxelo zendlela yeemarike, banceda abanini-inshorensi balawule umngcipheko wabo kwaye banike abathengi ngemigaqo-nkqubo efanelekileyo.

Utyalo-mali

Njengoko bekutshiwo ngaphambili, utyalo-mali yeyona niche idumileyo kubahlalutyi bezemali. Ibhanki yotyalo-mali ifuna izakhono zomhlalutyi ukuze aqonde iintsingiselo zemarike ukunceda amaziko ukuba enze izigqibo zobuchule.

Iingcebiso zabo kunye neengcebiso zikhuthaza utyalo-mali kwixesha elizayo. Le yindlela yokusebenza ebhetyebhetye ngakumbi, njengoko abahlalutyi bezemali banokusebenza njengabacebisi abazimeleyo okanye kwifemu yokubonisana.

Amashishini

Phantse onke amashishini axhomekeke kwizakhono zabacebisi bezemali. Umhlalutyi onamava unokuvavanya ukusebenza kwemali yombutho kwaye acebise kuyo yonke into ukusuka kwiinguqu zokusebenza ukuya ekuqalisweni kwemveliso.

Kule ndima, abahlalutyi badla ngokulungiselela iingxelo kwaye banike iingcebiso zabo kwimiba yemali kubaphathi.

Oorhulumente

Ii-arhente zikaRhulumente nazo zihlala zifuna abahlalutyi bezemali, ngakumbi abo bagxile kwi-macroeconomics. Amagcisa akwezi zikhundla ancedisa utyalo-mali lukarhulumente ngokuhlalutya idatha yezoqoqosho kunye neendlela.

Yintoni eyenza le niche iyingqayizivele kukuba abahlalutyi ngamanye amaxesha banokubizwa ukuba bachonge ubuqhetseba kunye nezinye izenzo zolwaphulo-mthetho.

Kwakhona kunokwenzeka ukuhamba kule ndima, ngakumbi kubahlalutyi abasebenza kwiibhanki kunye iinkampani zeinshurensi. Rhoqo, ezi zikhundla zifuna utyelelo lwabatyali-mali abanokubakho ukuze bavavanye kwisiza. Ukuqwalaselwa komntu ngaphakathi kunceda umhlalutyi aqonde ngcono iingozi ezinokubakho ezibandakanyekayo.

Umvuzo womhlalutyi wezezimali uyahluka ngokuxhomekeke kumava abo, imfundo kunye nelizwe apho basebenza khona. Njengezinye izikhundla ezininzi, kukho unxulumano olucacileyo phakathi kwamava amaninzi kunye nomvuzo ophezulu.

✔Indlela yokuba nguMhlalutyi wezezimali

Ngoku uyazi ukuba umsebenzi wokuba ngumhlalutyi wezezimali ubandakanya ntoni, unokuba uyazibuza ukuba zeziphi izakhono ezifunekayo kwesi sikhundla? Ngokucacileyo udinga izakhono eziqinileyo ukuqala lo msebenzi. Yenza iziqinisekiso kwaye ufumane iidiploma ezifanelekileyo, isidanga kwezemali umzekelo.

Ukuba ufuna ukuba ngumhlalutyi wezezimali, kufuneka uyithathele ingqalelo imfundo yakho. Iinkampani ezininzi ziya kufuna idigri kwi accounting, finance, okanye enye inkalo enxulumeneyo (efana nezoqoqosho).

Amanye amathuba, afana ne-internship okanye ukufunda ngamava, anokuba luncedo kumhlalutyi wezezimali ophantsi ojonge isikhundla sakhe sokuqala sobuchule.

Abaqeshi abaninzi bakhetha okanye bafuna abafaki-zicelo ukuba babe nesidanga. Oko kuthetha ukuba iMasters kwiNkqubo yoLawulo lweShishini ubuncinci kufuneka ibe linyathelo lakho elilandelayo.

Eyona ndlela ilungileyo yokulungiselela ikhondo lomsebenzi wokuba ngumhlalutyi wezezimali kukufumana isidanga esiphezulu, esinje ngeMBA.

✔Izakhono ezingabonakaliyo zomhlalutyi wezezimali

Umhlalutyi wezezimali kulindeleke ukuba asebenzisane nabantu abaninzi kwishishini, ngoko ke kubalulekile ukuba nezi zakhono zithambileyo:

izakhono zokunxibelelana

Abahlalutyi bezemali basebenza kwizihloko ezinzima abanye abaphathi kunye nabaphathi abaninzi abangayiqondi. Kufuneka bakwazi ukuguqulela umsebenzi wabo kunye neengcebiso kwamanye amaqela ngendlela abanokuqonda ngayo.

Ngokukwanjalo, kufuneka bayazi indlela yokuthumela ii-imeyile ezimfutshane kunye nokufowuna ukuze baxoxe ngolwazi olubalulekileyo lwemali.

Izakhono zakho

Ezi zakhono zahlukile kunxibelelwano njengoko zijolise ngakumbi kubudlelwane bokusebenza.

Ekubeni abahlalutyi kufuneka basebenze phakathi kweqela, kufuneka bazi indlela yokusebenzisana ngokufanelekileyo kwaye baqonde iimpawu ezingabonakaliyo ezivela ngokwemvelo ngexesha lentlanganiso okanye incoko.

Izakhono zokubonisa

Emva kokwenza izigqibo malunga nekamva lemarike, umhlalutyi wezezimali uya kufuneka abonise iimbono zabo kwiinkokeli zoshishino okanye abathengi babo. Oku kudla ngokubandakanya ukwenza inkcazo-ntetho ezaliswe ziziphumo zabo.

Kubalulekile ukuba umhlalutyi azi indlela yokudala iintetho ezibandakanyayo kunye nokulinganisela kokubonwayo, okubhaliweyo, kunye neempawu zomlomo ezifumana ingongoma yazo ngendlela emfutshane.

Isakhono sombutho

Esinye isakhono esithambileyo umhlalutyi wezezimali afanele abe naso kukulungelelanisa. Baza kunikwa inani elikhulu ledatha engadityaniswanga abaya kuyidinga ukuhluza ukuze baqinisekise ukuba yintoni ebalulekileyo kuqikelelo lwabo.

Ukusuka apho, umhlalutyi uya kufuna ukwazi indlela yokulungelelanisa ulwazi ukuze lusetyenziswe kwaye kwabelwane ngalo nabanye abachaphazelekayo.

Isisombululo seengxaki

Ekugqibeleni, abahlalutyi bezemali kufuneka basebenzise izakhono zabo zobugcisa kunye ne-intuition ukusombulula iingxaki. Kuthatha ukucinga okunzulu ukuguqula ingqiqo abayifumana kwidatha kunye nohlalutyo kwisenzo ngendlela yezigqibo ezisekelwe kubungqina.

✔ Izakhono zezinto eziphathekayo zomhlalutyi wezezimali

Kunye nezi zakhono zingabonakaliyo, umhlalutyi wezezimali kufuneka abe nokuqonda okubambekayo kwezi zakhono zilandelayo:

Ukuphendula

Nangona abahlalutyi bezemali behluka kwiingcali ze-accounting, basacetyiswa ukuba baqonde ezinye zeziseko. Kufuneka bazi kakuhle iingxelo zemali, kuba la maxwebhu abavumela ukuba bahlole impilo yemali yenkampani.

ULwazi lokuFunda nokuBhala ngeMali olomeleleyo

Ngokufanayo, umhlalutyi kule ndima kufuneka akwazi ukucacisa ngokuchanekileyo ulwazi lwezemali.

Kufuneka akwazi ukufunda iingxelo zemali ukuze aqonde ngcono imarike yotyalo-mali. Ukongeza, kufuneka baqhelene nejargon yezemali kunye neenkqubo ezithe ngqo kulo mmandla. Ngamafutshane, kufuneka abe nayo imfundo yezemali eqinileyo.

Umthamo ophezulu wokuhlalutya

Izakhono zokuhlalutya zizakhono ezingundoqo zomhlalutyi wezezimali. Uhlalutyo kufuneka lukwazi ukwenza uqikelelo oluchanekileyo kwidatha yezemali.

Kwakhona kufuneka akwazi ukuchonga nokusombulula iingxaki zemali. Ukwazi ukusebenzisa izixhobo zokuhlalutya kubalulekile kwaye kunokunceda ukuphucula imveliso yabo.

Uphando

Ukuqhuba uphando yenye yoxanduva oluphambili lwesi sikhundla. Umhlalutyi kufuneka azi indlela yokuqhuba uphando lwakhe ngokufanelekileyo nangokufanelekileyo ukufumana ulwazi alufunayo.

Nangona kunokuba lula ukufumana ulwazi lwembali yenkampani, kuya kufuneka kwakhona ukukhangela idatha eyongezelelweyo kwi-database kunye nezinye iingxelo zeqela lesithathu.

Iingxelo ezibhaliweyo

Izakhono zokugqibela eziphawulekayo ozidingayo ukuba ube ngumhlalutyi wezezimali zizakhono zokubhala ezinamandla. Nangona amanani akhokela iingcebiso zomhlalutyi, umhlalutyi kufuneka akwazi ukubhala iingxelo kwaye aguqule ulwazi kwifomu ebhaliweyo kwabanye kwinkampani.

✔️ Iyavala

Ekupheleni kophononongo lwethu, umsebenzi womhlalutyi wezezimali ngokuqinisekileyo awusenamfihlo kuwe! Sikhanyisele kwimishini yophando yenkampani, isiphumo semveliso yeengcebiso zotyalo-mali, kunye nezakhono ezineenkcukacha ezifunekayo.

Ngokuqinisekileyo, lo msebenzi ufuna umdla wamanani kunye nokuthanda ukucacisa ulwazi olunzima. Kodwa abahlalutyi nabo bayazuza ekuvuselelweni kwengqondo okusisigxina kunye nemekobume yobuchwephesha obuphezulu entliziyweni yezemali. Kwanele ukonwabisa ezona ngqondo zikrelekrele nezinomdla!

Ke, uhendwa yi-adventure yokunikela ngempahla yomhlalutyi wezezimali? Ekuphela kwento ekufuneka uyenzile kukulola izakhono zakho zokuhlalutya, upholise izakhono zakho ze-Excel, kwaye uphume uye kutyhila ubuncwane bemarike yangomso kubatyali-mali! Kumnandi ukuphanda!

Ukuba ufuna ukuphumelela kwishishini, ke nalu uqeqesho endandiluthanda kakhulu xa ndandiqala kwi-intanethi. Ndiyincoma nakuwe.

Ndishiye umbono wakho kwizimvo.