Eli nqaku liqulethe ulwazi malunga nemisebenzi ehlawula kakhulu kwiinkonzo zabathengi bezemali kunye nokunye.
Iinkonzo zabathengi bezemali zibalulekile kuqoqosho lwelizwe, kwaye zikwabonelela ngeenkonzo eziyimfuneko kubathengi. Ukuba ukhangela umsebenzi onomvuzo ngokwemali, kuya kufuneka uqwalasele imisebenzi yeenkonzo zabathengi.
Ngokuqhelekileyo, kukho amasebe amaninzi eenkonzo zabathengi bezemali. Nangona kunjalo, kukho awona masebe adumileyo eenkonzo zabathengi bezemali. Ucwangciso lobuqu lwezemali, i-inshurensi, i-accounting, kunye nebhanki yotyalo-mali ngamanye amasebe adumileyo eenkonzo zabathengi.
Ummandla ngamnye unoxanduva lwayo oluthile kunye neepakethe zembuyekezo. Ukuba ubukhangela eyona misebenzi ihlawula kakhulu kwezemali kunye neenkonzo zabathengi, jonga uluhlu lwethu ukuze ufumane izithuba zemisebenzi ngeentlawulo ezilungileyo.
Kwesi sikhokelo, sidwelise eyona misebenzi ihlawula ngcono kwezemali nakwiinkonzo zabathengi kunye nesiqinisekiso esisemgangathweni sokufumana le misebenzi.
Indima Yemali yeeNkonzo zabaThengi.
Iinkonzo zabathengi bezemali zibalulekile kuqoqosho lwehlabathi. Ngoncedo lweenkonzo zabathengi bezemali, abantu bayaqonda ukuba kutheni kubalulekile ukonga imali.
Iinkonzo zabathengi bezemali zikwanceda iintsapho ukuba zigcinele ikamva kwaye ziqinisekise ukuba zenza ukhetho olufanelekileyo ngemali.
Ngokubanzi, kukho iintlobo ezininzi zemisebenzi yeenkonzo zabathengi ngaphandle phaya. Nangona imisebenzi yahlukile, injongo kukuphucula imeko yezemali yabathengi babo.
Makhe sijonge abacwangcisi bezemali umzekelo. Abacwangcisi bezemali bazixhalabise ngakumbi malunga nezicwangciso zezimali zabathengi babo. Bancedisa abathengi babo ekusekeni iithagethi zabo zemali kwaye baphuhlise isicwangciso sokuqinisekisa ukuba abathengi babo bayaphumelela.
Kukho kwakhona utyalo-mali abagcini bebhanki abadla ngokubonelela ngohlalutyo kunye neengcebiso zemali malunga notyalo-mali kubaxumi. Xa abaxumi befuna ukukhetha eyona nkonzo ilungileyo kwiimfuno zabo, baxhomekeke kwii-arhente zeinshorensi ukuze bafumane uncedo.
Kukho iintlobo ezahlukeneyo zemisebenzi yeenkonzo zabathengi ekhoyo kwaye kukho neziqinisekiso ezimbalwa ezifunekayo. Ukuba unomdla kumsebenzi othile, yazi ukuba kufuneka ube nezakhono ezifanelekileyo nolwazi ukuze uphumelele.
Funda kwakhona: Iikhosi ze-30 zamahhala zoKhuseleko kwi-Intanethi ezineZatifikethi 2024
Zeziphi izakhono ezifunekayo kwimisebenzi yeenkonzo zabathengi?
Okokuqala, kufuneka ube nezakhono eziqinileyo zokuhlalutya kunye nezibalo. Ukusebenza kwishishini lezemali kubandakanya amanani kunye neengxelo zemali. Kuba uya kusebenza ngamanani kunye neengxelo zemali mihla le, kufuneka ube ulungile ekubaleni nasekuqondeni iikhonsepthi zemali.
Ngaphandle kokuba nezakhono ezomeleleyo zokuhlalutya kunye nezibalo, into oyidingayo zizakhono zonxibelelwano ezilungileyo. Uya kusebenzela abathengi abohlukeneyo, ke kufuneka ube nezi zakhono.
Umsebenzi ufuna iintetho kunye nokusebenzisana nabathengi, ngoko ke kulindeleke ukuba ube nezakhono zonxibelelwano ezilungileyo. Kufuneka ube nesakhono sokucacisa iikhonsepthi ezintsonkothileyo zemali ngolwimi olulula kubathengi.
Imisebenzi yeenkonzo zabathengi yezemali nayo ifuna ukuzola. Kuya kufuneka ujolise kwiinkcukacha, uzole, kwaye ulungelelanise ukusebenza ngokukhululeka. Ukuba nezi zakhono kubalulekile kuwe njengomsebenzi kunye nomxhasi.
Sisekumxholo “wemisebenzi ehlawula kakhulu kwiinkonzo zabathengi ngemali”. Apha, sifuna ukujonga iimfuno zemfundo ukuze sifumane le misebenzi.
Imfuneko yeMfundo eqhelekileyo
Iinkonzo zabathengi bezemali zibonelela ngamathuba emisebenzi ngentlawulo entle. Nangona kunjalo, kukho imfuneko yemfundo yemisebenzi yeenkonzo zabathengi. Ke yeyiphi eyona mfuno ixhaphakileyo yemfundo yezemali zemisebenzi yeenkonzo zabathengi?
Eyona mfuno yemfundo eqhelekileyo kwiinkonzo zabathengi bezemali sisidanga se-bachelor. Kodwa isidanga se-bachelor kweyiphi indawo yokufunda?
Kuba sixoxa ngemisebenzi yezemali zeenkonzo zabathengi, isidanga se-bachelor esifunekayo siya kuba seshishini, uqoqosho okanye ubalo-mali.
Ukuba ufuna umsebenzi, kufuneka ube nesidanga se-bachelor kwishishini okanye kwezoqoqosho. Abaqeshi bakhetha abafuna umsebenzi nge izidanga zesidanga kwezoshishino, kwezoqoqosho okanye kummandla onxulumeneyo.
Ungabinaso isidanga sasekholejini, ungakhathazeki, eminye imisebenzi ifuna idiploma yesikolo samabanga aphakamileyo.
Ukuba unesidanga sasekholejini, unokufuna ukufumana iilayisensi okanye iziqinisekiso, ngokusekelwe kuhlobo lomsebenzi owufunayo.
Ukuba ufuna ukuba ngumcwangcisi wezezimali, kufuneka ufumane i-Certified Financial Planner (CFP) ukutyunjwa kwiBhodi yeMigangatho yoMcwangcisi weMali eQinisekisiweyo.
Abagcini bebhanki botyalo-mali kufuneka baphumelele iimviwo ze-Series 79 kunye ne-Series 63, ngelixa ii-inshorensi ze-inshorensi kufuneka ziphumelele iimviwo ezingqalileyo zokuthengisa iimveliso ze-inshorensi.
Amasebe eeNkonzo zabaThengi beZimali
Iinkonzo zabathengi bezemali lishishini eliphuhlayo elinamathuba amaninzi emisebenzi. Sele sikhankanye amanye amasebe adumileyo kwiinkonzo zabathengi bezemali.
Awona masebe adumileyo eenkonzo zabathengi bezemali aquka;
Ucwangciso lwezeMali
Abacwangcisi bezemali bobuqu bancedisa abaxumi ekubekeni usukelo lwemali kwaye baqinisekisa ukuba injongo iyafezekiswa.
Abacwangcisi bezemali bazixhalabise ngakumbi malunga nezicwangciso zezimali zabathengi babo. Bancedisa abathengi babo ekusekeni iithagethi zabo zemali kwaye baphuhlise isicwangciso sokuqinisekisa ukuba abathengi babo bayaphumelela.
Utyalomali lwebhanki
Iibhanki zotyalo-mali ziingcali ezihlala zibonelela ngohlalutyo kunye neengcebiso kutyalo-mali. Basebenza ngokusondeleyo nabathengi abaninzi ukuchonga amathuba.
Bakwanika isikhokelo kucwangciso lwezemali kwaye benze neengcebiso ngokunjalo.
inshorensi
Iiarhente ze-inshurensi zincedisa abathengi ekukhetheni eyona inshorensi ilungileyo kwiimfuno zabo. Bavavanya iimeko zomngcipheko womxhasi baze bacebise imigaqo-nkqubo yokukhusela ekufuneka ilandelwe.
Accounting
Abacwangcisi-zincwadi baphethe iirekhodi zemali kwaye balungisa neengxelo zerhafu. Ngokubanzi, ababhali-mali basebenza namashishini, abantu ngabanye, imibutho, iifemu, njl.
Ukuboleka
Xa ufuna imali-mboleko, ababolekisi basoloko bekulungele ukukunceda. Ababolekisi benza imali-mboleko ifumaneke kumntu ngamnye nakumashishini. Ukuba ufuna imali-mboleko, ababolekisi-mali baya kuvavanya ukufaneleka kwakho ngetyala.
Uhlalutyo lwezeMali
Abahlalutyi bezemali ziingcali ezibonelela ngeengcebiso zemali kutyalo-mali, iindlela zoqoqosho kunye neemarike. Ngokuqhelekileyo basebenzisa idatha yezemali ukuchonga amathuba kwaye benze iingcebiso kubaxhasi babo.
Funda kwakhona: Iingcinga kunye neMigaqo yoCwangciso-mali: Konke okufuneka ukwazi
Eyona misebenzi iBhatala kakhulu kwiiNkonzo zabaThengi beMali
Sidwelise eyona misebenzi ihlawula ngcono kwezemali nakwiinkonzo zabathengi kunye nomndilili womvuzo wonyaka wale misebenzi. Jonga uluhlu lwethu lwemisebenzi ehlawula kakhulu kwezemali kunye neenkonzo zabathengi.
#1. iBhanki yoTyalo-mali
Iibhanki zotyalo-mali ngabacebisi bezezimali abancedisa abathengi. Bancedisa abathengi ekunyuseni inkunzi ngokukhupha nokuthengisa izibambiso.
Ngokubanzi, iibhanki zotyalo-mali zisebenza kunye neebhanki kunye nezinye iifemu ezizimeleyo. Abagcini bebhanki botyalo-mali basebenza ngokusondeleyo nabathengi ukuchonga amathuba emali kunye nokubonelela ngesikhokelo kucwangciso.
Ukuze ube yibhanki yotyalo-mali, kufuneka ube nesidanga se-bachelor kwishishini, kwezoqoqosho okanye kwiinkalo ezinxulumeneyo. Khumbula ukuba kufuneka uphumelele iimviwo ze-Series 79 kunye ne-Series 63, ezilawulwa yi-Financial Industry Regulatory Authority (FINRA).
Ngoko ke ngazo zonke ezi ziqinisekiso kunye neemfuno, uthini umyinge womvuzo wonyaka webhanki yotyalo-mali?
Ngokutsho kwe-US Bureau of Labor Statistics, ibhanki yotyalo-mali ifumana umvuzo wonyaka we-62,910 yeedola. Ibhanki yotyalo-mali ngomnye wemisebenzi ehlawula kakhulu kwezemali nakwiinkonzo zabathengi.
# 2. Umhlalutyi wezeMali
Umhlalutyi wezezimali yingcali enika iingcebiso zemali malunga nokutyalomali kunye neendlela zoqoqosho.
Abahlalutyi bezemali basebenzela amaziko emali amaninzi. Basebenzela iibhanki, iifemu zotyalo-mali kunye neenkampani zeinshorensi. Abahlalutyi bezemali basebenzisa idatha ukuchonga amathuba emali kunye nokuncedisa abathengi ekwenzeni izigqibo zemali.
Umhlalutyi wezezimali ukhangele kwaye afumane iindlela kwiimarike kwaye acebise utyalo-mali. Abahlalutyi bezemali benza uphando oluninzi kunye nohlalutyo lwemali.
Ke yintoni imfuneko yezemfundo ukuze ube ngumhlalutyi wezezimali?
Ukuze ube ngumhlalutyi wezezimali, udinga isidanga se-bachelor kwishishini, ezoqoqosho okanye kwiinkalo ezinxulumeneyo. Uninzi lwabaqeshi lukhetha abafaki-zicelo bemisebenzi abanesidanga se-master okanye i-PhD.
Umhlalutyi wezezimali ufumana umvuzo wonyaka we-81,410 yeedola ngokungqinelana ne-US Bureau of Labor Statistics.
#3. Umcebisi wezeziMali zoBuqu
Okulandelayo kuluhlu lwethu lweyona misebenzi ihlawula kakhulu kwimisebenzi yeenkonzo zabathengi ngumcebisi wezezimali.
Abacebisi ngezemali bomntu ziingcali ezikhokela abathengi ngendlela yokulawula iimali. Njengabahlalutyi bezemali, abacebisi bezemali bomntu nabo basebenzela iibhanki, iinkampani zeinshurensi, kunye neefemu zotyalo-mali.
Umsebenzi wabo ukwabandakanya ukuvavanya izinto ezinobungozi bomthengi kunye nokucebisa imigaqo-nkqubo yokukhusela. Umsebenzi ufuna ukuqonda okunzulu kweemveliso zemali kunye nemimiselo.
Njengomcebisi wezezimali wobuqu, kufuneka useke ubudlelwane nabathengi bakho kwaye unxibelelane nabo.
Ukuba ufuna ukuba ngumcebisi wakho wezezimali, kufuneka ube nesidanga se-bachelor. Uninzi lwabaqeshi luya kubonelela ngemisebenzi kubafaki-zicelo abanezidanga ze-master.
Lo ngomnye weyona misebenzi ihlawula kakuhle kwiinkonzo zabathengi kwaye ngokwe-Bureau yase-US yeStatistics yezaBasebenzi, umcebisi wezezimali wobuqu ufumana umvuzo ophakathi kweedola ezingama-94,170.
#4. Umcebisi we-Inshurensi
Umcebisi we-inshurensi uyingcali encedisa abathengi ekukhetheni imigaqo-nkqubo ye-inshurensi efanelekileyo.
Abacebisi be-inshurensi bathengisa iindidi ezahlukeneyo ze-inshurensi. Bathengisa ubomi, imoto, kunye ne-inshurensi yezempilo. Basebenzela iinkampani zeinshurensi, iifemu zotyalo-mali, kunye neebhanki.
Njengomcebisi we-inshurensi, kufuneka uqonde imveliso oyithengisayo kunye nemimiselo ejikeleze imveliso. Umsebenzi ufuna ubudlelwane obuqinileyo kunye nonxibelelwano kunye nabathengi.
Ukuba ufuna ukuba ngumcebisi we-inshurensi, ungathatha izifundo zonxibelelwano kunye neesayikholoji njengoko isidanga se-bachelor singafuneki.
Umcebisi we-inshurensi ufumana i-60,761 yeedola ngonyaka.
#5. Umthengisi wamasheya
Abarhwebi bamashishini ziingcali ezithenga kwaye zithengise izitokhwe egameni lomxumi. Njengabahlalutyi bezemali kunye nabacebisi bezemali bomntu, abarhwebi bamasheya basebenzela iibhanki kunye neefemu zotyalo-mali.
Umthengisi wempahla kufuneka aqonde i-stock market ukuze aphumelele. Ukwakha ubudlelwane kunye nonxibelelwano nabaxumi nako kubalulekile kubarhwebi.
Abarhwebi bee-stockbroker kufuneka babe nokuqonda okunzulu malunga nendlela i-stock market esebenza ngayo ngaphambi kokuba bacebise abathengi malunga nokuba bathenge ntoni kwaye bathengise ntoni.
Njengomthengisi wamasheya, okukhona ufumana imali eninzi ngesakhono sakho, kokukhona umvuzo wakho unyuka.
# 6. Umgcini zincwadi
Abacwangcisi-zincwadi baphethe iirekhodi zemali kwaye balungisa neengxelo zerhafu. Ngokubanzi, ababhali-mali basebenza namashishini, abantu ngabanye, imibutho, iifemu, njl.
Abacwangcisi-mali bomntu kunye nequmrhu lezona ntlobo ziphambili zabacwangcisi-zincwadi. Abacwangcisi-mali bobuqu ngabo basebenza nabantu, ngelixa abacwangcisi-mali beenkampani besebenzela amashishini.
Umvuzo wonyaka weakhawunti eUnited States umalunga nee-R60,000.
Funda kwakhona: I-Arhente yama-25 ePhakamileyo yoKhathalelo lwaseKhaya oluPhezulu | Konke okufuneka ukwazi
# 7. Igosa lemali mboleko
Amagosa emboleko ancedisa abantu ukuba bafumane imali-mboleko kwiibhanki nakwamanye amaziko emali. Basebenzela iibhanki, iimanyano zamatyala, kunye neenkampani zefintech.
Igosa lemali-mboleko kufuneka libe nokuqonda okunzulu kweentlobo zeemali-mboleko ezikhoyo kwiibhanki kunye neemfuno zokufaneleka kwimali-mboleko nganye.
Umsebenzi ukwafuna izakhono zonxibelelwano nabantu abanokuba ngabaxhasi.
Ukuba ufuna ukuba ligosa lemali-mboleko, kufuneka ube nesidanga se-bachelor kwezemali.
Umvuzo ophakathi wegosa lemali-mboleko umalunga ne-$63,000 ngonyaka.
#8. IGosa lokuThobela
Umsebenzi wegosa lothotyelo kukuqinisekisa ukuba iifemu zithobela imigangatho yolawulo lwangaphandle kunye nemimiselo yangaphakathi. Amagosa athobela imithetho ngokusondeleyo abaqeshi bawo ukuqinisekisa ukuba balandela umgaqo-nkqubo wenkampani.
Njengegosa lokuthobela, ungaqhubela phambili umsebenzi wakho kwigosa eliyintloko lokuthotyelwa. Umyinge womvuzo wonyaka wegosa eliyintloko lokuthotyelwa yi-$121,698.
#9. Ingcali yoMiselo
Okulandelayo kuluhlu lwethu lwemisebenzi ehlawula kakhulu kwiinkonzo zabathengi bezemali yingcali yokuphunyezwa.
Iingcali zokuphunyezwa ziingcali ezinceda abathengi ngeemveliso kunye neenkonzo nje emva kokuba intengiso igqityiwe. Ngaphandle kokunceda abathengi ngempahla kunye neenkonzo, iingcali zokuphunyezwa ziqinisekisa ukuba imveliso ethengiweyo ngumthengi iyanelisa iimfuno zabo zobugcisa.
Umsebenzi wengcali yokuphunyezwa ikwabandakanya ukusebenza ngokusondeleyo kunye nabathengi ukwenza ngokwezifiso kwisoftware. Ingcali yokuphunyezwa ikwanceda abathengi ngokufakela isoftware.
Umvuzo oqhelekileyo weengcali zokuphunyezwa malunga ne-65,000 yeedola ngonyaka.
#10. INjineli yeNkxaso yobuGcisa
Injineli yeNkxaso yobuGcisa igqibezela uluhlu lwethu lwemisebenzi ehlawula kakhulu kwiinkonzo zabathengi bezemali.
Injineli yenkxaso yobugcisa kufuneka ibe nezakhono ezibalaseleyo zonxibelelwano phakathi kwabantu kunye nomonde. Nangona umsebenzi ufuna izakhono ezibalaseleyo zonxibelelwano, iinjineli zenkxaso yobugcisa kufuneka zazi iinkcukacha ezithile zeenkqubo ezizixhasayo.
Ukuze ube yinjineli yenkxaso yobuchwephesha, kufuneka ube nesidanga se-bachelor kwisayensi yekhompyuter, iirobhothi, okanye enye indawo enxulumene netekhnoloji.
Umyinge womvuzo wonyaka wenjineli yenkxaso yobugcisa malunga ne-81,000 yeedola.
isiphelo
Okwangoku, abantu bafuna iindlela zotyalo-mali kunye nokugcina imali kwikamva. Iinkonzo zabathengi bezemali licandelo elikhulu elinamathuba amaninzi emisebenzi. Kukho imisebenzi ekhoyo kwiinkonzo zemali nakwiinkonzo zabathengi kwaye eyona misebenzi ihlawula ngcono ifuna isiqinisekiso semfundo esisemgangathweni.
Oku akufanele kukutyhafise ekuphononongeni zonke iinketho zakho. Siyathemba ukuba eli nqaku ngeyona misebenzi ihlawula kakhulu kwiinkonzo zabathengi beliluncedo.
izindululo
- I-15 yeMisebenzi eBhatala kakhulu kwiiNsimbi ezixabisekileyo
- I-25 yeMisebenzi yokuQinisekisa ngokuFanelekileyo kwi-Intanethi yabaQalayo
- I-20 ephezulu yokuHlawula iiNkqubo zeSatifikethi se-Intanethi yeeVeki ezi-4
- Yintoni iMbuyiselo kuTyalo-mali (ROI)? Konke okufuneka ukwazi
- Leliphi iSebe Lomkhosi Elinelona Mvuzo neNzuzo?
Ucaphulo
https://www.ownyourownfuture.com
Shiya iMpendulo