Bahlawulwa njani abaCebisi bezeMali

Xa ukhetha umcebisi wezezimali, kuyanceda ukuqonda ukuba uhlawulwa njani umcebisi wakho kuba abo bahlala kwikhomishini banokuba neenjongo ezahlukeneyo kunabacebisi abasebenza kumvuzo. Bonke abantu abakwishishini leenkonzo zezezimali, ababandakanya abacwangcisi bezemali kunye nabacebisi, bahlawulwa ngenye yezi ndlela zine zilandelayo:

[Ityala: © iStockphoto.com / Ridofranz]Ityala: © iStockphoto.com / Ridofranz
  • Ikhomishini kuphela: Abanye abacebisi bafumana kuphela iikhomishini zokuthengisa iimveliso zeenkonzo zezemali, ezinje ngotyalo mali, izindlu nomhlaba, iimveliso zeinshurensi, okanye iimali mboleko. Imizekelo ibandakanya abacebisi abanxulumene neenkampani ezinje ngeFama yasebuRhulumenteni, usapho lwaseMelika, kunye no-Edward Jones.

  • Ikhomishini kunye nemirhumo: Ixesha eliqhele ukungaqondakali elisetyenziselwa ukuchaza le ndlela yembuyekezo yile esekwe kumrhumo. Imizekelo ibandakanya abameli ababhalisiweyo beenkampani ezinjengeAmeriprise, Abacebisi bezeMali be-AIG, iWachovia, kunye ne-UBS. IKhomishini kunye nabacebisi bemirhumo banokufumana umrhumo wokuphuhlisa isicwangciso semali sakho kwaye ufumane iikhomishini xa bekuthengisela i-inshurensi kunye neemveliso zotyalo-mali ezicetyiswe kwisicwangciso sakho sezemali.

  • Umvuzo kunye neebhonasi: Uninzi lweefemu zabarhwebi nezaphulelo zihlawula abasebenzi bazo ngomvuzo osisiseko kunye nomvuzo wenkuthazo wokuzisa iiakhawunti zabaxumi abatsha kwiziko. Banokufumana iibhonasi eziphezulu kakhulu ngokucebisa okanye ukuthengisa iimveliso ezithile kunye neenkonzo ngaphezulu kwezinye iindlela.

  • Intlawulo kuphela: Abacebisi bezezimali abarhola kuphela babonelela ngengcebiso okanye ulawulo oluqhubekayo kwaye ababhalisi njengabameli bayo nayiphi na inkampani yeenkonzo zezimali. Bahlala bezisebenzele Abacebisi boTyalo-mali ababhalisiweyo (i-RIA) okanye abasebenzi beli hlobo lenkampani. Isibonelelo esinye sokuqesha abacebisi bezezimali kuphela kukuba abanalo igalelo kwezemali kwiingcebiso abakunika zona. Bacebisa kuphela into abakholelwa ukuba inomdla wakho.

Eyona ndlela ithandwayo yokuhlawulwa kwabacebisi ngezezimali kunye nabacwangcisi kungoku nje kukudityaniswa kweekhomishini kunye nemirhumo. Aba bacebisi bezezimali banokudibana nenkampani enkulu yomrhwebi okanye inkampani yeinshurensi, okanye banokuba ngabameli ababhalisiweyo kumthengisi ozimeleyo. Rhoqo, uninzi lwembuyekezo yabo luvela kwintengiso yeemveliso abazicebisayo. Nangona kunjalo, banokubonelela ngeenkonzo zokucwangciswa kwezemali kunye neengcebiso zomrhumo owahlukileyo weyure, umrhumo osicaba, okanye umrhumo wokugcina.

Intlawulo yabacebisi bezezimali kuphela ngeendlela ezintathu:

  • Umrhumo weyure: Uhlawula lonke ixesha umcebisi wezezimali esebenza kwityala lakho okanye alichitha nawe. Phinda ixesha elichithwe ngumrhumo womcebisi ngeyure, kwaye yimalini umrhumo wakho. Soloko ufumanisa iindleko ezilindelweyo kunye neyona ndleko iphezulu ngaphambi kokuba usebenze nomcebisi ohlawulisa ngelo lixa. Amaxabiso asekwe ngeyure angcono:

    • Abantu abafuna ingcebiso ekhethekileyo malunga nesihloko esinye okanye ezimbalwa zezezimali.

    • Yenza-ngokwakho abafuna uluvo lobuchwephesha.

    • Abantu abafuna ukwenza kangangoko ukugcina imali kodwa bafuna uhlalutyo lobuchwephesha kunye nolwalathiso.

  • Intlawulo yeflethi: Abanye abacebisi bezemali banikezela ngemirhumo ecabaleleyo yephakheji yeenkonzo. Ixabiso lentlawulo eflethi lilungele abantu abafuna iingcebiso ezithile okanye iinkonzo kwaye bazimisele ukuthatha ukungcakaza ukuba ulungiselelo lomrhumo weflethi aluyi kubiza ngaphezulu kunokuba bebeza kuhlawula ngelo lixa.

  • Intlawulo yomgcini: Umrhumo wokugcina uhlala ubalwa ngokusekwe kwipesenti yohlobo oluthile, njengepesenti e-1 yee-asethi ezilawulwa nguwe ngumcebisi, okanye ipesenti ethile yexabiso lakho okanye ingeniso yakho, okanye umxube wazo zombini. Imirhumo yomgcini ikwabalwa ngokuqikelela ixesha elifunekayo ukubonelela ngeenkonzo ezithenjisiweyo ngokusekwe kwimeko kunye nezakhono ezifunekayo kumcebisi, ngexesha eligqityiweyo phantsi kwesivumelwano sokugcina umcebisi. Umrhumo wokugcina ulungele abantu abadinga, abafuna, okanye abanokukwazi ukugqithisela uxanduva lokulawula imicimbi yabo yezemali kumcebisi wezezimali.