Kugadzirisa Mazita Anoonekwa Pashure Pezita reMuridzi
Nhanho yekutanga inobatanidza mukutsvaga nyanzvi yezvemari ndiko kunzwisisa kutumidzwa mushure mezita rake nekuziva chaizvo zvinorevei-zvichakuudza rudzi rwemari yaakadzidziswa nayo.
Nhepfenyuro Kuronga Maitiro
Tsvaga muongorori akawana CFP ® -Certified Financial Planner TM -kugadzirisa kana uri kusarudza mudzidzisi wepamusoro wemari yemhuri yako. Anofanira kusangana nedzidzo yeCFP ® Board, kuongororwa, ruzivo, uye mitemo kuti ashandise ichi chinyorwa.
Iko kuongorora kunobatanidza nzvimbo yakawanda yehushuwarenzi, kuisa mari, mutero, kugadziriswa kwemigwagwa, uye kugadzirisa zvemari nzvimbo. Vazhinji vezvizivo ndivo nyanzvi mune imwe chete, zvisinei, uye vanoshandisa mamwe maitiro mumashandisirwo awo ekubata nyaya dzisingakwanisi zvavanogona. Iwe unogona kudzidza zvakawanda pamusoro peCFP ® kudanwa kubva kuCFP ® Board of Standards.
Imwe inofanirwa kudanwa ndeye PFS. Uyu ndiwo mazano ekugadzirisa nezvezvemari anonzi Certified Public Accountants kana CPAs anogona kubudirira. Kutaura zvazviri, chete CPAs inogona kuwana PFS. Iwe unogona kutsvaga munhu ane chirevo ichi kana iwe wakakwanisa kutsvaga kudiwa kwekodzero pamwe chete nemari yekugadzirisa mari.
Kubatira Purogiramu Zvirongwa
Kunyange zvazvo mitsara yakawanda inoratidza kuti mumwe munhu angave ane unyanzvi hunoshanda kune vakwegura, vazhinji havakwanisi kutendeseka. Kana uri pedyo nekurasikirwa, Wall Street Journal inoti iwe unoda kuti mutungamiri wenyu wezvemari ave nechimwe chezvirevo zvitatu zvinotevera:
- Retirement Management Analyst ®, kana RMA ®, yakagadzwa neRetirement Income Industry Association
- Kubhadhara Imari Yakagadziriswa Professional, kana RICP, yakapiwa kuburikidza neAmerican College
- Certified Retirement Counselor kana CRC, yakagadzirirwa ne International Foundation for Retirement Education
Iwe unogona kuwana kuenzanisira kwakadzama kwezvirevo zvitatu izvi nemudzidzisi wemabhizimisi Michael Kitces paRICP vs. RMA vs CRC - Kusarudza Best Best Retirement Revenue For Financial Advisors.
Investment Management Credentials
Kana uri kutarisira kubhadhara mutungamiri wekutsvaga kwekutsvaga kutarisira chikwereti chezvikwereti zvevanhu uye zvisungo, tsvaga munhu ane CFA ® zita rake. Izvi zvinomiririra Chartered Financial Analyst uye zvinoreva kuti aifanira kudzidza kwemakore anoverengeka uye kuratidza ruzivo rwakadzika rwemabhizimisi ekuchengetedza kuburikidza nekupfuura mazinga matatu ekuenzanisa akasiyana. Zvizhinji zvepamusoro mabasa muhurumende yehurumende yekuchengetedza mari inobatwa nevanhu vakawana zvishoma CFA mazita.
Kana uri kukwereta mutungamiri wekutarisira chikwereti chemari pamwe chete kana kusarudza vatungamiri vepakati pezvikamu zvakasiyana zvepodfolio yako, funga mumwe munhu ane chibvumirano cheCIMA. CIMA inomirira Certified Investment Management Analyst®.
Izvi zvinoda ruzivo ruzivo rwezvikwereti, mari yemari, yehupfumi, marongerwo emakambani, yeruzivo rwepodfolio, yezvemari yehutano, uye kuisa pfungwa kumusorosoro wemapuritori ekugadzira zvikwata zvemajeri zvakasiyana.
Inishuwarenzi Vashandi
Zvichienderana nehuwandu hweinishuwarenzi yaunoda, iwe haugoni kutora mumwe munhu akawana maitiro ekunyora pasi kana kunyatsonzwisiswa kwekuti nei imwe inshuwarisi yakagadzirwa zvakasiyana nezvimwe. Asi varimi vakawanda vanoshandisa inshuwarisi senzira yekugadzirisa njodzi kana kukanganisa mutero, saka zvinonzwisisika kunzwisisa nheyo yako yehushuwarenzi.
Vakawanda vezviitiko izvi vanobata Chartered Financial Consultant ® kana ChFC kudanwa. Chimwe chinyorwa cheCFC chichapedza maawa anoda kusvika mazana mana kuti iwane chiratidzo ichi uye inofanira kuzadzisa maawa makumi matatu ekudzidzira dzidzo makore ose maviri kuti igadzire.
Nzvimbo dzakasiyana-siyana dzehupfumi kutamiswa uye kuronga zvakakwana zvinomiridzirwa nemashoko aya.
Zvimwe Zvinyorwa
Mumwe mupi wezvemari anogona kuwana zvizhinji, mamwe akawanda mazita, asi mazhinji awo haadi maitiro akaoma. Ivo vakangogadzirirwa kubatsira mumwe munhu kuwedzera tsamba shure kwezita rake. Iwe unogona kudzidza zvakawanda pamusoro pezvimwe zvinyorwa nokuenda Kunzwisisa Mazano Emari, nzvimbo yakabhadharwa neimwe yemasangano ehurumende anobatsira.
Uye nguva dzose chengetedza mazano evakudzidzisi uye zvinyunyuta kare iwe usati wawana.