Mosebetsi oa Khoebo Lefapheng la Lichelete
Ha ho tluoa tabeng ea lichelete, likoloto tsa mosebetsi, le thuto ea bana, batho ba batla ho sebetsa le moeletsi oa setsebi eseng motho ea rekisoang ea ka fuoang matšeliso bakeng sa ho rekisa matsete a itseng, lichelete tsa bobeli kapa li-stock.
Ha letsete le e-ea boroa, ho bonolo haholo ho moeletsi ho khutsisa methapo ea setsebi ho feta bakeng sa setsebi sa thekiso ho etsa mosebetsi o tšoanang.
Ho sa tsotellehe hore na lihlooho li na le litlotla, Moeletsi e mong le e mong ea atlehileng oa lichelete o utloisisa hore ba na le boikarabelo ba ho utloisisa mekhoa ea 'maraka le mokhoa oa ho "rekisa" litšebeletso le likoloi tsa lichelete ho bareki. Ba leng lefapheng la ditjhelete ba sa amoheleng hore ke baetapele ba ho rekisa, hangata ba qetella ka mesebetsi ea bahlahlobi kapa mosebetsing o fapaneng oa mosebetsi.
Litemoso
E le hore ba rekise matlotlo a lichelete, Baeletsi ba lichelete ba tlameha ho fuoa tumello. Litemoso tse tloaelehileng ka ho fetisisa ke tsa Series 67 le 63. Litokomane tsena li lumella moeletsi hore a rekise li-mutual funds, annuities, bonds, likoloi tsa ho tlohela mosebetsi le lihlahisoa ka bomong. Baeletsi ba bangata ba boetse ba na le litokomane tsa inshorense , tse kang bophelo, kotsi le bophelo bo botle.
Litemoso tse tsoetseng pele
Joalokaha ho le thata joaloka lihlopha tsa 6.7 le tse 63 tse ka 'nang tsa e-ba teng, hangata li nkoa e le litemoso tsa ho kena ka hare ho indasteri ea Lefapha la Lichelete.
Bakeng sa ba ikemiselitseng ho atleha ka nako e telele e le moralo oa lichelete kapa moeletsi, ho tsoela pele ho ithuta le ho tiisoa ka molao hoa utloahala.
Baeletsi ba bangata ba lichelete ba fumana chelete ea CFA le litlhahlobo tsa CFP. CFA e eme bakeng sa Bonnete ba Chelete ea Lichelete le CFP e emetse ho netefatsoa ka moralo oa lichelete. Likoetliso tse peli li nkoa e le tsa bohlokoa haholo 'me ha li atisetsoe ho fihlela lilemo tse' maloa e le mosebetsi oa lichelete.
Ka ntle ho litemoso tsena, ba bang ba ithutang indasteri mme ba fumana ChFC, kapa moeletsi oa Chartered Financial. Ho ea ka setsebi sa litšebeletso tsa lichelete Donna Rodgers:
Moeletsi oa lichelete oa Chartered o tlameha ho ba le bonyane lilemo tse 3 tsa phihlelo mosebetsing lefapheng la litšebeletso tsa lichelete. ChFC® e lokisetsa litsebi ho hlokomela litlhoko tsa batho ka bomong, malapa le khoebo e nyenyane. Ho latela American College, ChFCs e fumana chelete ea 51 lekholong ho feta lithaka tsa bona.
Boipela bo fumanoang ka boinotšing bo ka susumelletsa ba bangata hore ba fumane setifikeiti sena le phaello e eketsehileng ea tlhompho e eketsehileng ho lithaka le bareki.
Mathata le Meputso
Hoo e ka bang seterateng se seng le se seng se seholo sa Amerika, bonyane ofisi ea litšebeletso tsa lichelete, e tletse moeletsi a le mong kapa sehlopha sa baeletsi, ka mafolofolo ho batla bareki ba bacha le ho boloka bareki ba bona ba teng. Boholo baneng e 'ngoe le e' Eketsa lethathamong lena ho fumaneha ha litšebeletso tsa lichelete tse fanoang ke lik'hamphani tse thehiloeng Inthaneteng 'me u tla utloisisa haufinyane hore indasteri ea Mesebetsi ea Lichelete e hlōlisana haholo.
Bothata bo bong bo ka sehloohong ke bolaoli ba mmuso le litaelo tseo Mong'a e mong le e mong oa lichelete a lokelang ho li khomarela.
Ho tlōla molao le li-license tsa hao li emisoa kapa li tlosoa.
Bakeng sa ba ka hlōlang tlhōlisano, ba ikemiselitse ho fumana litemoso tse hlokahalang le tse khethiloeng, le ba tsamaisang khoebo ea bona ka botšepehi, moputso o hlolla. Bafani ba lichelete ba ka holimo ba ka fumana liranta tse likete tse makholo ka selemo, hammoho le ts'usumetso, matsatsi a phomolo le phofu ea likhau .
Ka sebele mosebetsi ke o mong oa thata ka ho fetisisa ho atleha ho oona, ke lona lebaka leo batho ba bangata ba tlohelang ho tlohela ka mor'a lilemo tse seng kae feela. Meputso ea sebele e fuoa ba lulang mosebetsing oa lilemo tse 2 kapa ho feta 'me ba ikemiselitse ho sebetsa lihora tse telele le ho tobana le likhoeli tse boima ho fihlela ba qala ho kotula melemo.