Nzira yekuwana sei guru guru rekugadzirisa zvemari richakubatira iwe
Imwe mienzaniso yekubhadhara mari mumabhizimisi emari inoshandiswa mune zvemari ine chimwe chinhu chakashata. Ngatitarisei kuti iwe unobhadhara sei mutungamiri wezvemari wezvimirire , zvichida mari-chete kana mari-yakatarwa, uye ona kana izvozvo zvingakanganisa mazano avanopa.
The Illusion of Unbiased Advice neRe-Only Advisor
Chokutanga pane zvose, zvinorevei-zvinongoreva chete ? Icho chinoreva kuti iwe wekudzivirira wega wezvemari anokwanisa kungogamuchira mubhadharo kubva pauri nekuda kwebasa rakapiwa. Zvinomiririra iwe. Vanogona kutengesa mari iyi semari yakadzika yepurojekiti yakadai sokugadzira hurongwa hwemari , imwe yeawa, chiyero chemari yavanotarisira panzvimbo yako, kana segore roga roga kana roga roga kuchengetedza.
Imwe inowanzopa mari-yega yega muenzaniso ndeyomudzidzisi uyo anopa chikamu chemari yavanotarisira. Ngatitarise mienzaniso miviri apo izvi zvinogona kukonzera kukanganisa kunogona kufarira.
1. Unofanira kubhadhara mari yako here?
Kana iwe ukabvisa mari kubva kune imwe nhoroondo yako mutevedzeri wako anokwanisa kubhadhara chikwereti chako, ivo vachaita zvishoma.
Pasinei neizvi, mutungamiri akanaka wemari wekuzvimirira achaita tsananguro yakakwana, uye kana iri mune zvaunofarira zvikuru zvichienderana nemari yako, mari, mitero-mitero uye zvinangwa, zvichakurudzira kuti uite mari yekubhadhara chikwereti chako , zvisinei ivo vanobhadharwa.
Mumazuva akawanda ekudzoka kwemisika, ndakaona mazano akawanda achikurudzira vashandi vavo kwete kungobhadhara mari yavo, asi kutora chikwereti chinowedzera mari yekushandisa mari.
Izvi zvinotyisa. Mutungamiri wega wega wandakaona achirumbidza zano iri rakagamuchira hupfumi hwemunhu pachake apo mutengi akaisa mari yavo. Vazhinji vevanopa mazano, zvisinei, havana kuita sevanorayiridza-vakaipa chete mazano; ivo vainyanya kuva ivo vakagamuchira basa kubva pane zvavakange vachikurudzira.
Ndezvipi zvingave zvisingaiti kuona mubhadhari wega-wega chete anopa zano iri pasinei nokuti inogona kuvaita mari yakawanda? Nokuti matanda akareba kana akakurudzira chimwe chinhu chisina kunaka kwauri. Mune mitemo ivo vane mhosva yezano ravanopa uye mazano anofanirwa kuonekwa seanokufarira. Izvo mitemo imwechete, zvinosuruvarisa, hazviiti sezviri kushanda kumudzidzisi akapiwa.
2. Unofanira kutenga mari here?
Zvizvarwa zvinopa zvipo zvakasiyana-siyana sezvaunotanga kupinda. Kune avo vasina mvumo yekuwana mari yakavimbiswa kunze kweChupfumi Chekuchengetedza, kugovera chikamu chekutsvaga kwako kune rimwe remakore kunogona kuve nenjere.
Zvinosuruvarisa, mari yakawanda inenge yakatumirwa mishonga, saka semudzidzisi wekubhadhara-ini chete ndakafanira kuita tsvakurudzo yakawanda kuti ndiwane pasina-mishonga yemitambo (hapana mutoro zvinoreva kuti haibhadhara mutemo uye naizvozvo mari mukati memuchero iri pasi) iyo inopa zvinhu zvakavimbiswa nevatengi vangu.
Vatapi vemari chete seboka vakave vachizivikanwa sevanokanganisa kuporesa, asi mune zvimwe zviitiko, asi mune dzimwe nguva, mumaonero angu, kushamwaridzana kunouya nokuti kana mutengi achikwevera mari yavo kubva mubhuku rakachengetedzwa apo mutungamiri wekutengesa mari uye anoisa mu annuity, mutungamiri achaita mari shoma. Izvi zvinoda kukundwa. Mumakore mashomanana apfuura, akawanda matsva e-load-year annuity products ave avapo, uye kutsvakurudza kutsva kwakagadzirisa kushandiswa kwemari inowanikwa mumutengo wakakodzera, sechikamu chemari yekugovera mari.
Sezvo zvakakwana, ndinofunga kuti vanozvimiririra vese-vadzidzisi chete vanofanira kupfuurira kuburikidza nedzimwe dzidzo zvakare uye vanotora chinangwa chekuti nzira yakakodzera yezvigadzirwa zvinogona sei kuwedzera kukosha muhomwe yekubvisa mari yehupenyu hwevatengi.
Mutungamiri wezvezvemari akazvimiririra kuti maitiro sekubhadhara mari, zvichireva kuti vanogona kutengesa mari uye kutora mapeji, vanozove nezvimwe zvinhu zvinowanikwa gore rimwechete uye vanozogamuchira mutero kana iwe ukatenga zvigadzirwa izvozvo.
Kamwe zvakare, pasinei nokuti vanobhadharwa sei, mupi wezvakanaka wekugadzirisa zvemari ari kukupa iwe nemhinduro dzinosangana nezvinangwa zvako nezvinangwa. Kuti uve mutengi akanaka, unofanirwa kuziva kuti vanobhadhara sei uye kuti izvi zvingakanganisa sei mazano avo.
Iwe unodawo kubvunza mibvunzo yakaoma uye kutsvaga mhinduro dzakananga. Kana mumwe munhu azarura kukanganisa kunogona kufarira kune imwe mberi, nzira yakarurama, iyo chiratidzo chakanaka.
Zvakadini Nekukakavadzana neAraly Model of Compensation?
Kubhadhara mutungamiri wenyu wezvemari nenguva yega yega vanogona kushanda zvakanaka - kana iwe ukanyatsotevedzera kuburikidza nezano ravanopa. Vatungamiri venguva yandakambotaura navo vakaratidza kushungurudzika kuti vanopa vatengi vavo runyora rwezviito zvokutora, uye pavanosangana navo zvakare, muchengeti haana kutevera pane ipi zvayo mazano.
Munguva yakapfuura, ndapa maawa ega ega, uye ndakazviona izvi ini. Ndakatarisa vanhu vachiita zvikanganiso zvinodhura nemari yavo inogona kudzivirirwa kana vakave nehukama hwakakwana nemudzidzisi akazvimirira oga, asi panzvimbo pezvo ivo vakangotsvaka mazano kamwechete kwenguva pfupi, uye zvakawanda zvakarasikirwa.
Kunyange zvakadaro, ndinofunga kubhadhara muongorori wako nguva nenguva mune mamwe mamiriro ezvinhu zvine musoro. Maawa ehupfumi mazano ekugadzirira anogona kuva akanaka kana iwe uchida rubatsiro nemubvunzo wakananga kana kuongororwa, kana zviri nani kana iwe uchirondedzera ukama hwakakwana uye unoda kubhadhara maawa anodiwa kuti mupi wezano wekupa mazano akazara.
Zvakadini neHokurwisana neKomisheni yeKomisheni?
Kubhadhara mazano ako kumishandiro kana kuburikidza nemukwereti-mutengesi kana wirehouse kuchiri kuonekwa kwandiri kuva mufananidzo wekuti inherently inounza mhirizhonga yakawanda yekufarira. Ndakashanda semudzidzisi wezvemari kune imwe yenyika dzakakura zvikuru dzekambani dzekambani munyika, uye kubva pane zvakaitika kwandiri, pakanga pasina zvishoma mumutsika iwoyo wakakukurudzira kuti uzviongorore zvakananga uye chinhu chakanaka kune mutengi wako. Yaiva yese nezvekutengesa.
Pandinenge ndichienda kumisangano, kusava nezivo kune vamwe vevanopa mazano / vatengesi, vamwe vanoita sevasingakwanisi kubhadhara mazano avo, vanondishamisa. Kufanana neni, vakawana chivigiro chekuchengetedza uye vakatumirwa kunotengesa. Kusiyana neni, vamwe vavo havana kumbobatsiridza dzidzo yavo kupfuura iyi.
Izvo zvichiti, Ndinofunga kune VAKURU VAKARIDZI pasi pemitambo yose yekubhadhara, uye ndakasangana nevakawanda. Kuwana iyo ndiyo dambudziko.
Kuwana Mukuru Mukuru Wezvokubhadhara Mari
Kutanga nemunhu anozvimiririra mutungamiri wezvemari kuti maitiro seRIA, kana mubhadhari wekubvisa mabhizimisi, akanokwanisa kubvisa zvimwe zvingaita kukakavara kwechido, asi kwete ivo vose. Icho chinonyanya kukosha chinofanira kuva pakutsvaga munhu ane ruzivo, ane ruzivo, ane ruzivo ane hanya ane hanya newe , uye ndiani asingazokudzikinure kune njodzi dzisingakoshi.
Ungawana sei mupi wezano wakadaro? Heano zvimwe zvezvinhu zvandinotarisira:
- Ivo vanogadzirira here kana kungotengesa mutengo?
- Iko inosanganisira kutora mutero mune mazano avo here?
- Vane nzira yekufungisisa yekuisa mari kana kungosiya vatengi vavo muzvirongwa zvakagadzirwa nehurumende yavo here?
- Vanonzwisisa mavara emasangano eZimbabwe Security achitsanangura nzira?
- Vanonzwisisa kuisa mari muhutachiwana hwekupararira kwehupenyu hwehupenyu huri bhora rakasiyana zvakasiyana-siyana pane kuisa mari yekuunganidza?
Zvaunofanira kuita ndezvokutora nguva yako paunenge uchibhadhara mutariri wemari. Kana uri kushanda nemudzidzisi akazvimiririra uye ane ruzivo akazvimiririra, hazvina basa kuti iwe unobhadhara sei. Kana uri kushanda nemudzidzisi asina ruzivo kana asina ruzivo, hazvina basa kuti iwe unobhadhara sei kana. Iwe unoda mutariri wezvemari here?
Ndinogona kukurudzirawo kuti uverenge Ndeupi Ari Kuongorora Mari Yako: I 17 Paladin Principles pakusarudza Mutungamiri Wezvemari naJack Waymire.