Nzira Yokuwana Nayo Mutevedzeri Mukuru Wezvemari Pamwe Pedyo neMuzviitiko Zvakanaka

by Dana Anspach

Funga nezvekubhadhara mutariri wezvemari sekubhadhara Chief Chief Financial Officer kumhuri yako. Iwe unoda kushandisa nzira yakarangwa kuwana mumwe munhu waunogona kushanda naye kwemakore mazhinji, makore mazhinji. Kuwana munhu akakodzera kana husimba kunogona kutora nguva shomanana kupfuura kungovhura mapeji matsvuku, asi kubhadhara kwemazuva kuchave kwakakodzera zvakakodzera maererano nerunyararo rwepfungwa kuziva kuti iwe wakaita mubayiro wakakodzera. Heano nhanho nhanhatu dzaunogona kushandisa kuti uwane mukana wepamusoro wezvemari kwauri.

01 Inzwisisiro ma Types Of Advice Financial

Kunzwisisa mhando dzemari yemari inopiwa usati wagadzirira. Chikwereti: Jose Luis Pelaez Inc

Vamwe vapeki vezvemari vanopa mazano ekugadzirisa mari asi kwete kutarisira kwekutsvaga mari; vamwe vanochengeta mari, asi vanopa mari shoma. Vamwe vane unyanzvi mukurasira mari yekurasikirwa iyo inowanikwa pakupararira kwechikamu (kune avo vari pedo kana mukurasira) apo vamwe vanofunga nezvekuunganidza chikwata (kune vechidiki vari makore gumi kana kupfuura kubva pakubhadhara).

Kuti uwane mukana wepamusoro wezvemari wemamiriro ako ezvinhu unoda kunzwisisa kusiyana kwemhando dzebasa rinogona kugoverwa, kuziva kuti ndeupi mazano ezvemari iwe unoda , uye unoziva kuti ndeapi mazano anokwanisa kugadzirisa anopa. Heino mhedziso shomanana yemhando mikuru mikuru yezvipo zvebasa:

Kuita kwehupfumi kunotarisa pane zvose zvehupenyu hwako hwemari zvakadai sehuwandu hwekuchengetedza, uye rudzi rwehushuwarenzi yaunoda-hausi chete nezvekutsvaga.
Masangano ekupa mazano ekutsvaga nezvekutsvaga kwekutsvaga inotarirwa pamabasa ekuchengetedza kwekutsvaga kwekutsvaga seyokuti ndezvipi zvikwereti zvaunayo mune zvinyorwa. Ndinotenda kuti mari yakanakisisa inosarudzwa inosarudzwa chete sechikamu chekuenderera mberi kwekuita mari.
Kusarura mari yekugadzirisa mari inotarisa kuti unogadzirisa sei zvidimbu zvakadai seSocial Security, mitero, mazvikwereti, pensions, zuva rekurega basa, nezvimwe zvakadaro, saka vose vanofananidza nechinangwa chekutora chikwereti chekurasikirwa kwehupenyu.

02 Tsvakai Vashandi Vemari Vemari NeZvimbiso Dzakanaka

Vatungamiri vezvemari vanowana zvigwaro kuburikidza nekuratidza ruzivo, unyanzvi, uye vanofanira kuramba vachienderera mberi dzidzo. Image Source

Zviratidzo zvose hazvina kufanana. Mamwe masangano anoita kuti zvive nyore kuwana magwaro ekubhadhara kuitira kuti vatengesi vagone kubhadhara mari, vanowana "chiziviso" uye vanoita sezvenyanzvi.

Kuwana vatsigiri kana varongwa vezvemari vane zvinyorwa zvinokudzwa vanotarisa mumwe munhu ane CFP® kana PFS, kana kuti mutariri wekutsinhanisa uyo ane CFA® yavo. Uye, kana uri pedyo nekurasikirwa, tsvaga mumwe munhu ane ruzivo rwakakosha munzvimbo iyi, seRMA kana RICP.

Zvinyorwa zvinowanikwa kuburikidza nekupedza kuongorora kunoratidza unyanzvi panyaya iyi. Kuti varambe vakagadzwa, mutungamiri anofanira kuchengetedza purogiramu yezvemitemo uye awane zvinopfuurira zvidzidzo zvedzidzo.

Chimwe chinhu chaunogona kutarisa-ona kana munhu anokwanisa kukurudzira ari nhengo yeNAPFA, iyo iri nhengo yehutano yevanopa mazano chete-izvo chete zvinoda kupfuurira dzidzo inopfuurira pane izvo zvido zvinoda.

03 Ziva Kuziva Kuti Vashandi vezveMari Vanobhadharwa sei

Vashandi vezvemari vanogona kubhadhara mari mumitauro mitanhatu yakasiyana. Gary Ombler

Kune nzira dzakasiyana-siyana dzinopa mazano vezvemari dzinogona kukwereta, asi mumaonero angu, vanyori vanonyanya kufunga uye vasina ruzivo vanopa mari-chete. Kuti uwane mumiririri wepamusoro wezvemari iwe unoda kuziva nzira dzose dzeanokwanisa kugadzirisa zvemari dzinogona kubhadharwa , zvakadai sekubhadhara mari yekubhadhara mari, yekubhadharwa kwemaawa, kubatanidzwa mumakomisheni kana kubhadhara mutengo weawa imwechete.

Uye iwe unoda kunzwisisa mutsauko pakati pemubhadhari chete-anopa mumiririri wega-anopa mazano avo vanogona kugamuchira mamwe maitiro ekutsvaga kana kukurudzira kubva kumakambani avo zvichienderana nemisangano yekutengeserana kwekutengesa kana zvinangwa.

Hapana chinhu chakanaka kana chakaipa pamusoro pemarudzi akasiyana-siyana ekubhadharwa. Somuenzaniso, kana uri kutengesa mari yauri kuronga pakubata kwenguva yakareba, uye iyo yausingadi kupiwa mazano anoramba aripo, kubhadhara komiti inogona kuva iyo nzira inoshandiswa mari yakawanda yekuitenga nayo. Zvisinei, kana iwe une chido chekuti mumwe munhu ave nyore kuwanikwa kuti agadzirise hurongwa hwako hwemari nekero kero mibvunzo inoramba iripo, mutemo-based based refrained isingakoshi.

04 Shandisa Tsvakurudzo Injini kuChiratidzo

Usati wapinda muhofisi, tsvaga internet kuti uwane vapeiri vanofanana nemiganhu yako yaunoda. Hero Images

Zviri kutsvaga kutsvaga injini inogona kuva nzira yakanaka yekuderedza pasi kutsvaga kwako kune vapeuri vari mu zip code yako, vane zviyeuchidzo zvauri kutsvaga, kana kuti utera mune imwe nzira yakadai sehora reawa, kana kuti shandisa semari-yega (kureva kwete mahofisi).

Chimwe chezvinhu zvishanu zvitsva zvinotsvaga panorongwa urwu zvinokubvumira kuisa muhutano chaiyo pamusoro pemhando yemudzidzisi wauri kutsvaga - sezvikwereti uye nzira yekubhadhara - uye tsvaga kutsvaga mari mumunharaunda yako unosangana nemitemo iyi.

Sezvo kune nzvimbo, chengetedza mupfungwa, fesheni dzakawanda dzinoshanda nevatengi kure. Iko inokubvumira kusarudza mutungamiri anobva pane unyanzvi pane nzvimbo. Simba rangu rinonyanya kugadzirisa kubhadhara mari, uye kunyange tive muArizona, tinoshanda nevatengi munyika yose. Haasi munhu wese ari kusununguka kushanda kure, naizvozvo unofanirwa kusarudza kuti zvakakosha sei kugara pasi patafura yemugungano, kana kana kushanda nemakombiyuta epakombiyuta kunogamuchirwa.

05 Bvunza Mibvunzo iyi Usati Watora

Kubvunza mibvunzo yakarurama kunokubatsira kuti uone kuti vaupi vezano vezvemari vanonyatsokurukura navo. Ben Miners

Mibvunzo yakarurama inogona kukubatsira kuti uswe nevanopa mazano vezvemari vamusingafambidzani zvakanaka, kana kuti vasingawanzoshanda nevatengi vakaita sawe.

Ndakagadzira urongwa hwemibvunzo mishanu yekubvunzurudza inogona kukubatsira kuti uone kuti mutungamiri wezvemari anotaura sei, pamwe nenharaunda yavo yeunyanzvi uye ivo vakakodzera mutengi. Chinokosha kumubvunzo upi zvaunokumbira kuve nechokwadi kuti unonzwisisa mhinduro, kana iwe usingaiti, iva nechokwadi chokuti unonzwa wakasununguka uchibvunza mibvunzo yekutevera.

Mumwe mubvunzo wandinoona wakarongedzerwa mune dzimwe nyaya ndekukumbira mumwe munhu kuti ataure. Pamusana pemirairo yehupfumi, vauki vakawanda havagoni kutumira mazita evamwe vatengi-uye kunyange kana vachikwanisa, vanongokupa mazita evanhu vanozoti zvinhu zvakanaka pamusoro pavo. Uyewo, wakanga uchiziva here mitemo inorambidza vadzidzisi vezvemari kusashandisa zvipupuriro? Ichokwadi! Vashandi havagoni kushandisa kana kugovera zvinyorwa zvakananga, mavonga, kana tsamba dzekunyorerwa zvakatumirwa kwavari kubva kuvabereki vavo.

Zvakanaka nguva dzose kuzvibvunza mibvunzo yako inoreva chinhu kwauri. Ndakaita kuti vanhu vauye uye vaverengere mibvunzo kubva pakurongwa kwaiva pachena kuti havana kunzwisisa zvavakanga vachikumbira. Usaita izvi! Shandisa mibvunzo yaunonzwisisa.

06 Vhura Credentials, Cherechedza Zvimhosva

Tsirirai vhudzi vemazano avo vezvemari uye chengetedza nhoroondo yavo yekunyunyuta. Image Source

Kuti uve nechokwadi kuti mumwe munhu ane mvumo uye ane rekodhi yakanaka yebasa usati wavapa; chengetedza zvingangodaro zvevashandi vezvemari uye nhoroondo yekunyunyuta kuburikidza nekuongorora zvinyorwa zvavo pa FINRA, SEC, CFP® Board, kana kune dzimwe nhengo dzehutano mupi wezano anosanganiswa ne.

Imwe nzvimbo yepaIndaneti, Brightscope, inogona kukubatsira kuti uone nyore kuti masangano anopa mazano anobhadhara nei uye kana ane chero zvinhu zvaanenge azarura kana zvikwangwani zvavakapindura.

Kunyunyuta kwevatengesi vanowanikwa kune vashandi vezvemari vanonyora kwenguva yakareba. Kana mupi wezano kune chikumbiro icho hazvirevi kuti unovatonga kunze. Iyo yakareba mumwe munhu ave ari mubhizinesi, zvinowanzove kuti ivo vachave nehana imwe chete kunyunyuta pamabhuku avo. Kana mumwe munhu ane zvikwangwani zvakawanda, iwe unogona kuramba uchitarisa.

Nzvimbo dzakawanda dzekutsvaga pakutsvaga paIndaneti dzinotaurwa mudanho rechishanu dzinoita izvi zvose zvitsva zvichikutarisa iwe uye zvinoratidza mazano evarayiri vati vatotaridzirwa kuti vave nezvizivo zvakakodzera uye avo vakatariswa kunze kana vane nhamba yakawandisa yezvikwangwani.

07 Dzidza Nzira Yokuita Nayo Njodzi Njodzi

Tsanangudzo dzinoverengeka dzisingakwanisi dzinogona kukuchengetedza iwe kubva mune zvinotambudza nenzira. Visions Of Our Land

Kunyengera kunowanzoitwa nyore apo mumwe munhu ane kodzero yehupfumi hwako. Kuti urege kuchengetedzwa kwevashandi vechikwereti vanonyanya kuzivikanwa nevanopa mazano vezvemari vachishandisa izvo zvinonzi munhu wechitatu anochengeta kuchengetedza zvinhu zvako. Zvinoreva kuti nhoroondo dzako dzichazarurirwa pane imwe huru, yakanyatsozivikanwa yakasimba saCharles Schwab kana Fidelity; mutungamiri aigona kukwanisa kutengeserana uye kupa basa paakaiti - asi ndiye mubatsiri anotaura nezvekutengesera kwauri, anoongorora zvinyorwa, nezvimwe zvakawanda.

Ivai vakangwari vevanopa mazano kana makambani vane kuchengetedza kwemari yenyu, kana kuti mune imwe sangano yakabatana iyo inoshumira semuchengeti - ndiyo ndiyo nzira iyo Bernie Madoff akakwanisa kubvisa urongwa hwake kubudirira.

Uyewo, tora matanho ekuwedzera kana uchitaura nevanachipangamazano kana makambani anobatanidza mamwe mazvikwereti kana mamwe makambani ayo ari kukurudzira iwe. Izvo zvivako uye chero humwe humwe hunoenderana hunofanirwa kuve hwakatorwa mudhipatimendi rekudzivirira rekodha rinonzi ADV Chikamu Chepiri.

Kana zvikwiriso zvinomwe izvi zvichiita sekuita basa rakawandisa, simira uye funga nezvemamiriro ezvinhu ose anoongorora bhizinesi risati raita mubhadharo. Iwe uri kukwereta mumwe munhu kuti abatsire nechinonyanya kukosha chehupenyu hwako; aya matanho manomwe achakubatsira iwe kuti uite mukana wakakodzera.