Indima yomcebisi wezezimali

Wamkelekile kwinqaku lethu lebhlog elinikezelwe kwindima ebalulekileyo ye Umcebisi wezezimali ekulawuleni imali yakho. Nokuba umtsha na ezemali zobuqu okanye umtyali-mali onamava, ukuqonda indima yomcebisi wezezimali kunokukunceda wenze izigqibo ezinolwazi kwaye ufezekise iinjongo zakho zemali.

Kweli nqaku, siza kuphonononga ngokweenkcukacha uxanduva kunye nezibonelelo zomcebisi wezezimali, kunye nokuba kutheni kusengqiqweni ukubhalisa iinkonzo zabo. Nokuba ujonge ku cwangcisa umhlalaphantsi wakho, à tyala imali ngobuchule okanye ukulawula amatyala akho, esi sikhokelo siya kukunika ulwazi oludingayo ukuze ufumane okuninzi kubudlelwane bakho nomcebisi wezezimali.

Lungiselela ukufumanisa ukuba umcebisi wezezimali unokuba ngumhlobo wakho njani ekufezekiseni uzinzo lwemali elide kunye nokuchuma.

🥀 Yintoni i-Financial Advisor?

Umcebisi ngu " umntu oyingcaphephe kwisifundo abacebisa kuso ngobungcali ". Ngokwale ngcaciso ingentla, kulula ukuyiqonda ukuba, kwimeko yezoshishino, iingcebiso zemali ngumsebenzi apho umntu ofanelekileyo uvavanya. imali yoshishino kwaye libonisa amacebo okubenza balungelelane ngakumbi.

Umcebisi wezezimali ungaphezu kwabo bonke abacebisi boshishino. Ukuba ufuna ukwenza ikhondo lomsebenzi kulo msebenzi, kulula, dibana nesi sikhokelo njani ukuba ube ngumcebisi weshishini ogqwesileyo?

🥀 Wenza ntoni kanye umcebisi wezezimali?

Umcebisi wezezimali uneempawu ezininzi. Ibonelela ngeemveliso ezahlukeneyo zemali kunye neenkonzo kubantu, iintsapho, amashishini kunye neminye imibutho. Uninzi lwexesha, ubudlelwane bexesha elide lusekwe phakathi kwakhe kunye nabathengi bakhe.

Olu nxibelelwano lubandakanya iinkonzo eziqhubekayo ezifana nezi: ulawulo lwepotfoliyo yotyalo-mali, ukuhamba kwemali okanye uphononongo lonyaka lwe ucwangciso lwezemali. Ubudlelwane phakathi komcebisi kunye nosomashishini buthande ukuqina njengoko omabini amaqela ebona izibonelelo ezizivelisayo.

Ukuze umcebisi aphumelele ukuhlangabezana neemfuno, iinjongo kunye neemfuno zomthengi, kufuneka aziqonde kwaye azi kakuhle. Emva koko, kwaye uthatha ezi khrayitheriya ingqalelo, inkonzo yenzelwe umntu ukufikelela kwingeniso ephezulu enokwenzeka.

Le ngcali inokwalathisa ukuthengwa nokuthengiswa kwezitokhwe/iibhondi kumxhasi. Abanye basebenzela iifemu zokubonisana ezijolise kwiimfuno zemali zamashishini athile okanye amashishini.

Sinokuthi ngandlel’ ithile ukho inkampani "ugqirha". Xa sigula, sikhangela ingcaphephe ukuze isixelele into esinayo kwaye isinike amayeza, akunjalo? Ngokunjalo, impilo yezemali yeshishini ifuna ingqalelo ukuze ihlale ezinyaweni zayo.

Kule meko, ukuze uphile kwaye uphumelele, kubalulekile ukuba ube nenkxaso yomntu owenza izigqibo ezizinjongo ezisekelwe kulwazi olubambekayo - nangona uhlalutyo lwemali lubandakanya ukuqwalasela inani elikhulu lezinto eziguquguqukayo kuphela ingcali kwintsimi ekwaziyo ukuyenza. ukuphuhlisa.

🥀 Uxanduva loMcebisi wezeziMali

Okokuqala, enye yeemfanelo eziphambili zomcebisi wezezimali ukuvavanya imeko Imeko yemali iyonke yabathengi babo. Oku kubandakanya ukuqokelela ulwazi oluneenkcukacha ngengeniso, iindleko, ii-asethi kunye namatyala ukuze uqonde ngokupheleleyo imeko yemali yangoku.

Olunye uxanduva oluphambili lomcebisi wezezimali kukunceda abathengi ukuphuhlisa isicwangciso semali eyenzelwe wena. Oku kuquka ukuzibekela usukelo lwemali olucacileyo nolufikelelekayo, olunjengokugcina imali yomhlala-phantsi, ukuthenga ikhaya, okanye ukuxhasa imfundo yabantwana bakho ngemali.

Umcebisi wezezimali uya kusebenza ngokusondeleyo kunye nomxhasi ukuphuhlisa isicwangciso esithathela ingqalelo iimfuno zabo, imiqobo kunye nenqanaba lokunyamezela umngcipheko.

Sakuba sisekiwe isicwangciso semali, umcebisi wezemali udlala indima ebalulekileyo ukuphunyezwa nokubekwa kweliso kwesi sicwangciso. Banceda abathengi ukuba benze izigqibo zotyalo-mali ezinolwazi, bethathela ingqalelo izinto ezifana nembuyekezo elindelekileyo, inqanaba lomngcipheko kunye ukwahluka kweepotfoliyo.

Ulawulo lomngcipheko luxanduva olubalulekileyo lomcebisi wezezimali. Baya kunceda chonga imingcipheko enokubakho ukuba abathengi babo banokujongana nayo, njengokuguquguquka kweemarike, iziganeko ezingalindelekanga okanye imiba yezempilo.

Ngokusekelwe kolu vavanyo lomngcipheko, umcebisi wezezimali unokucebisa izicwangciso ezifanelekileyo zokunciphisa le mingcipheko, njengokuthenga i-inshurensi yobomi, i-inshurensi yokukhubazeka, okanye i-inshurensi yekhaya.

🥀LIinkonzo eziphambili zefemu yokubonisana ngemali

Kuyacaca ukuba umcebisi ngamnye unendlela yakhe yokusebenza. Nangona kunjalo, ndinikezela kuwe ngeenkonzo eziphambili ezibonelelwa ngokubanzi ziifemu ezicebisa ngemali.

✔ Ukucwangcisa imali kwishishini lakho

Eyona nto ixhaphakileyo kukucwangcisa imali. Izicwangciso zenziwa ngenjongo yokuphumeza impilo yezoqoqosho ekudala ilindelwe yenkampani. Olu cwangciso lubandakanya ulawulo lweendleko, uhlalutyo lohlahlo lwabiwo-mali kunye nezicwangciso ezichaziweyo. Iluncedo kakhulu ekurekhodeni iinjongo zexesha elifutshane, eliphakathi kunye nexesha elide.

✔ Ukulawula ipotifoliyo yakho yotyalo-mali

Abacebisi ngezemali bathatha uxanduva lokulawula ipotifoliyo yotyalo-mali yomxhasi. Kukho oosomashishini abathanda ukuthatha inxaxheba ngokwabo kwizigqibo, ngelixa abanye bekhetha ukushiya lo msebenzi kumcebisi.

✔ Ukucwangcisa irhafu

Kwihlabathi lezemali, phantse kuwo wonke umhlaba, kufuneka uqwalasele iirhafu kunye nocwangciso lwerhafu. Nangona kufuneka umgcini-mali enze umsebenzi werhafu osebenzayo, umcebisi onolwazi ngomthetho werhafu uluncedo olukhulu.

✔ Ucwangciso lwezindlu

Ibandakanya umbutho kunye nokuqokelela ubutyebi obuvela kwi-real estate, kwaye iquka yonke into ukusuka ekugcinweni kwayo ukuya ekuhanjisweni kwayo ekugqibeleni kubaxhamli bepropati.

Umcebisi wezemali onobuchule unolwazi olubanzi ngocwangciso lwezindlu. Usenokuthumela abathengi kumagqwetha aqeqeshiweyo ukuba kuyimfuneko.

✔ Ulawulo lokungena kwemali

Entle ulawulo lokungena kwemali kusembindini wocwangciso lwezemali. Oko kukuthi, imali kufuneka ihlale isesichengeni ukuze ukwazi ukuzalisekisa izibophelelo zakho imini yonke.

Oku kunjalo nakwicandelo labucala xa uhlalutya izinto ezifana neendleko zokuphila, iindleko zomtshato wakho, imfundo yabantwana, ukuthengwa kwendlu, umhlalaphantsi wakho, njl.

✔️ I-inshurensi kunye nokunciphisa umngcipheko

Ucwangciso lwezemali alunakuze lugqibelele ngaphandle kokuqwalasela nokuthathela ingqalelo imingcipheko esijongene nayo ebomini, njengokufa ngaphambi kwexesha, ukukhubazeka okanye ilahleko engalindelekanga yempahla okanye ezinye izinto zexabiso. Umcebisi uphuhlisa izicwangciso zokunciphisa imingcipheko ngendlela yomntu.

🥀 Iimpawu Ishishini lakho lifuna uMcebisi

Akuyimfuneko ukuba nexabiso eliphezulu okanye ukungaqeshwa kwenkonzo yabacebisi bezemali.

Isigqibo sokufumana uncedo lobuchwephesha ekulawuleni imali yakho sesobuqu kakhulu. Kodwa nanini na xa uziva uxinezelekile, ubhidekile, uxinezelekile, okanye usoyika ngemeko yakho yezemali, ngoku ingalixesha elifanelekileyo lokufuna umcebisi.

Nokuba yeyiphi na inqanaba loluhlu lwesikhundla osibambeyo, kusoloko kukuhle kakhulu ukufumana inkxaso kwiingcali zokuqinisekisa ukuba ukwindlela elungileyo kunye nokuva iingcebiso malunga nophuculo olunokwenzeka kwisicwangciso sakho somsebenzi. Oku kuya kukuvumela ukuba ufezekise iinjongo zakho ngokufanelekileyo.

Ngaba unalo utyalo-mali kodwa uhlala ulahlekelwa yimali? Ukuba igrafu yamanani akho yalatha ezantsi, umcebisi wakho wezezimali unokukunceda utyhile imiqobo kwaye ulungise iziphene phambi kokuba kube kudala kakhulu.

Awunalo ixesha okanye umdla wokulawula imali yakho? Esi sesinye isizathu esilungileyo sokuqesha umcebisi wezezimali. Finance de Demain ihlala isesandleni sakho kuzo zonke iindlela zokubonisana.

🥀 Izibonelelo zeengcebiso zemali

Iingcali zokucebisa zihlala zisebenza neenkampani ezininzi ngexesha elinye. Basombulula iintlobo ngeentlobo zeengxaki zolawulo lwemihla ngemihla. Banokukuzisela iimbono ezahlukeneyo ngokusekelwe kumava abo.

Ngale ndlela, banokubona iingxaki ezincinci ngaphambi kokuba bangene kwibhola ekhephu. Basenokukuzisela iimbono ezitsha kwaye bajongane nemiceli mngeni onokuthi awukwazanga ukuyisingatha ngokwakho ngenxa yezibophelelo ezigqithisileyo.

Esinye isizathu, kwaye mhlawumbi eyona ixhaphakileyo, kutheni oosomashishini baqesha abacebisi kukufikelela kwiseti yesakhono esingenalo iqela langaphakathi.

Ngokuqesha inkampani yokucebisa, unokuqesha iqela leengcali ezinezakhono ukwenza yonke into ukusuka kuhlalutyo olulula lokuhamba kwemali ukuya kwinkxaso yemali yemibutho.

Enye ingongoma ekufuneka iqwalaselwe kuxa umphathi esebenza kwiprojekthi ephikisanayo. Ngeli xesha, akukho lula ukuthabatha amanyathelo afanelekileyo ngaphandle kokubandakanyeka ngokweemvakalelo. Ngaloo ndlela, umcebisi unikezela ngombono ongakhethi ngokwaneleyo ukujongana nale meko.

🥀 Indlela yokuqesha umcebisi wezezimali

Ukuba ufikile apha, usenokuba uyazibuza indlela yokuqesha inkonzo yeengcebiso zemali. Ungaqala ngokubuza abahlobo bakho kunye nabantu obaziyo ukuba bayazi naziphi na iingcali ezicetyiswayo.

Thatha ithuba lokukhangela kuGoogle. Jonga iwebhusayithi yenkampani, funda amanqaku abo apapashiweyo kwaye uphonononge amabali abo empumelelo ukuva isidima somcebisi.

Ukuba uyathandabuza, qhagamshelana neqabane lakho elinokubakho kwaye ungalibazisi ukubuza imibuzo ukuba kuyimfuneko, de ube nolwazi oludingayo ukuze wenze isigqibo esifanelekileyo.

Ukuba emva kwawo onke la manyathelo awukakwazi ukufumana isisombululo kwingxaki yakho, qhagamshelana Finance de Demain. Iqela lethu liya kukubonelela ngenkonzo esemgangathweni kunye neyenziwe ngokufanelekileyo. Musa ukuyilibala loo nto ukuthembeka yimfuneko ebalulekileyo kulo msebenzi.

🥀 Isishwankathelo…

Ingcebiso yezemali yenza iingcebiso kunye nongenelelo ngezona zicwangciso zisebenzayo zokuphucula iimali zakho. Ezi ngcebiso zinokubandakanya utyalo-mali kuzo naziphi na iimfuno zeshishini lakho, iinjongo kunye neenjongo. Ukucwangcisa kulungile kuphela xa imingcipheko ibalwa.

Ngoko lumkela iimpawu ezibonisa ukuba ufuna uncedo. Ukuba, umzekelo, ugxininisekile okanye ukwesaba imeko yangoku, ukuba uhlala ulahlekelwa yimali okanye awunalo ixesha lokujongana namanani, lixesha.

Abantu abaninzi abathabathi manyathelo kuba bexakeke kakhulu okanye bengazi ukuba mabenze ntoni. Ukuqesha inkampani yokucebisa ngemali kuthetha ukuba omnye umntu uya kuhoya amaphepha. Kuhle ukwazi ukuba imali isetyenziswe ngcono, akunjalo?

Ukuba ufuna ukuphinda ulawule imali yakho, nali ke ikhonkco elidibeneyo eliya kukuvumela ukuba uthenge Isikhokelo sokugqibela sokulawula imali yakho. Sikhuthaze ngokuthenga esi sikhokelo.

Enkosi ngokunyaniseka kwakho