Lesi sihloko siqukethe ulwazi mayelana nemisebenzi ekhokha kakhulu kumasevisi omthengi wezezimali nokunye.
Izinsizakalo zabathengi bezezimali zibalulekile emnothweni wezwe, futhi zihlinzeka ngezinsizakalo ezibalulekile kubathengi. Uma ufuna umsebenzi onomvuzo ngokwezimali, kufanele ucabangele imisebenzi yezinsizakalo zabathengi.
Ngokuvamile, kunamagatsha amaningana ezinsizakalo zabathengi bezezimali. Kodwa-ke, kukhona futhi amagatsha aziwa kakhulu ezinsizakalo zabathengi bezezimali. Ukuhlelela izimali zomuntu siqu, umshwalense, ukubalwa kwezimali, kanye nebhange lokutshalwa kwezimali kungamanye amagatsha aziwa kakhulu ezinsizakalo zabathengi bezezimali.
Yonke indawo inomthwalo wayo othize kanye namaphakheji esinxephezelo. Uma ubufuna imisebenzi ekhokha kakhulu kwezezimali nezinsizakalo zabathengi, hlola uhlu lwethu ukuthola izikhundla zemisebenzi ngamaholo amahle.
Kulo mhlahlandlela, sibale imisebenzi ekhokha kakhulu kwezezimali kanye nezinsizakalo zabathengi kanye neziqu ezijwayelekile zokuthola le misebenzi.
Iqhaza Lezezimali Zamasevisi Abathengi.
Izinsizakalo zabathengi bezezimali zibalulekile emnothweni womhlaba. Ngosizo lwezinsizakalo zabathengi bezezimali, abantu bayaqonda ukuthi kungani kubalulekile ukonga imali.
Amasevisi abathengi ezezimali aphinde asize imindeni ilondolozele ikusasa futhi iqinisekise ukuthi yenza izinqumo ezifanele ngokwezezimali.
Ngokuvamile, kunezinhlobo eziningana zemisebenzi yezinsizakalo zabathengi bezezimali laphaya. Nakuba imisebenzi ihlukene, umgomo uwukuthuthukisa isimo sezimali samakhasimende awo.
Ake sibheke abahleli bezimali ngokwesibonelo. Abahleli bezezimali bakhathazeke kakhulu ngezinhlelo zezimali zamakhasimende abo. Basiza amaklayenti abo ekuzibekeleni imigomo yabo yezezimali futhi baphinde benze uhlelo lokuqinisekisa ukuthi amakhasimende abo aphumelele.
Kukhona futhi ukutshalwa kwezimali amabhange avame ukunikeza ukuhlaziya kanye nezeluleko zezimali mayelana nokutshalwa kwezimali kumakhasimende. Uma amaklayenti efuna ukukhetha indlela engcono kakhulu yokuvikela izidingo zawo, athembele kuma-ejenti omshwalense ukuze athole usizo.
Kunezinhlobo ezahlukene zemisebenzi yezinsizakalo zabathengi etholakalayo futhi kuneziqu ezimbalwa ezidingekayo. Uma uthanda umsebenzi othile, yazi ukuthi kumele ube namakhono nolwazi olufanele ukuze uphumelele.
Funda futhi: Izifundo ezingama-30 zamahhala zokuphepha ku-inthanethi ezineZitifiketi 2024
Yimaphi amakhono adingekayo emisebenzini yezinsizakalo zabathengi?
Okokuqala, kufanele ube namakhono aqinile okuhlaziya nezibalo. Ukusebenza embonini yezezimali kubandakanya izinombolo nemibiko yezezimali. Njengoba uzobe usebenza ngezinombolo nemibiko yezezimali nsuku zonke, kufanele ube nekhono ekubaleni nasekuqondeni imiqondo yezezimali.
Ngaphandle kokuba namakhono aqinile okuhlaziya nezibalo, okudingayo futhi amakhono amahle okuxhumana. Uzobe usebenzela amaklayenti ahlukene, ngakho kufanele ube nalawa makhono.
Umsebenzi udinga izethulo kanye nokuxhumana namakhasimende, ngakho-ke kulindeleke ukuthi ube namakhono amahle okuxhumana. Udinga futhi ukuba nekhono lokuchazela amakhasimende imiqondo eyinkimbinkimbi yezezimali ngolimi olulula.
Imisebenzi yezinsizakalo zabathengi yezezimali nayo idinga ukuzola. Kufanele ugxile emininingwaneni, uzole, futhi uhleleke ukuze usebenze ngokunethezeka. Ukuba nalawa makhono kubalulekile kuwe njengesisebenzi neklayenti.
Sisesodabeni “lwemisebenzi ekhokha kakhulu kwezezimali zabathengi”. Lapha, sifuna ukubheka izidingo zemfundo ukuze sithole le misebenzi.
Imfuneko Yemfundo Ejwayelekile
Izinsizakalo zabathengi bezezimali zinikeza amathuba emisebenzi ngamasheke amahle. Kodwa-ke, kunesidingo semfundo semisebenzi yezinsizakalo zabathengi. Ngakho-ke isiphi isidingo semfundo esivame kakhulu semisebenzi yezinsizakalo zabathengi?
Isidingo semfundo esivame kakhulu sezinsizakalo zabathengi bezezimali yiziqu ze-bachelor. Kepha iziqu ze-bachelor kumuphi umkhakha wokufunda?
Njengoba sidingida imisebenzi yezezimali zabathengi, idigri ye-bachelor edingekayo izoba kwezebhizinisi, ezomnotho noma ukubalwa kwezimali.
Uma ufuna umsebenzi, kufanele ube neziqu ze-bachelor kwezamabhizinisi noma ezomnotho. Abaqashi bakhetha abafuna umsebenzi nge iziqu ze-bachelor kwezamabhizinisi, ezomnotho noma emkhakheni ohlobene.
Awunazo iziqu zasekolishi, ungakhathazeki, eminye imisebenzi idinga idiploma yesikole samabanga aphezulu.
Uma uneziqu zasekolishi, kungase kudingeke ukuthi uthole amalayisensi noma izitifiketi, ngokusekelwe ohlotsheni lomsebenzi owufunayo.
Uma ufuna ukuba umhleli wezezimali, kufanele uthole ukuqokwa kwe-Certified Financial Planner (CFP) kusuka kuBhodi Lamazinga Eliqinisekisiwe Lomhleli Wezezimali.
Amabhange okutshalwa kwezimali kumele aphumelele izivivinyo ze-Series 79 kanye ne-Series 63, kuyilapho ama-ejenti omshwalense kufanele aphumelele izivivinyo eziqondene nombuso ukuze athengise imikhiqizo yomshwalense.
Amagatsha Ezinsizakalo Zabathengi Ngezezimali
Izinsizakalo zabathengi bezezimali iyimboni esathuthuka enamathuba amaningana emisebenzi. Sesike sasho amanye amagatsha adume kakhulu kwezezimali zabathengi.
Amagatsha adume kakhulu ezinsizakalo zabathengi bezezimali ahlanganisa;
Ukuhlelwa Kwezezimali Komuntu Siqu
Abahleli bezezimali bomuntu siqu basiza amakhasimende ekubekeni umgomo wezezimali futhi baqinisekise ukuthi inhloso iyafinyelelwa.
Abahleli bezezimali bakhathazeke kakhulu ngezinhlelo zezimali zamakhasimende abo. Basiza amaklayenti abo ekuzibekeleni imigomo yabo yezezimali futhi baphinde benze uhlelo lokuqinisekisa ukuthi amakhasimende abo aphumelele.
I-Investment Banking
Amabhange okutshalwa kwezimali angochwepheshe abavame ukunikeza ukuhlaziya nezeluleko mayelana nokutshalwa kwezimali. Basebenzisana eduze namaklayenti amaningana ukuhlonza amathuba.
Baphinde baqondise ekuhleleni imali futhi benze nezincomo.
Insurance
Ama-ejenti omshwalense asiza amaklayenti ekukhetheni umshwalense ongcono kakhulu ngezidingo zawo. Bahlola izici eziyingozi zeklayenti bese bencoma izinqubomgomo zokuvikela okufanele zilandelwe.
Accounting
Ama-accountant aphethe amarekhodi ezimali futhi alungisa nentela. Ngokuvamile, ama-accountants asebenza namabhizinisi, abantu ngabanye, izinhlangano, amafemu, njll.
Ukuboleka
Uma udinga imali ebolekiwe, ababolekisi bahlezi bekhona ukuze bakusize. Ababolekisi benza imalimboleko itholakalele abantu ngabanye namabhizinisi. Uma ufuna ukubolekwa imali, ababolekisi bazohlola ukufaneleka kwakho ngesikweletu.
Ukuhlaziywa Kwezezimali
Abahlaziyi bezezimali bangochwepheshe abanikeza iseluleko sezezimali mayelana nokutshalwa kwezimali, izitayela zezomnotho nezimakethe. Ngokuvamile basebenzisa idatha yezezimali ukuhlonza amathuba bese benza izincomo kumakhasimende abo.
Funda futhi: Imiqondo kanye Nezivumelwano Zokubalwa Kwezimali: Konke Odinga Ukukwazi
Imisebenzi Ekhokha Kakhulu Ezinsizakalweni Zabathengi Bezezimali
Sibale imisebenzi ekhokha kakhulu kwezezimali kanye nezinsiza zabathengi kanye nesilinganiso seholo lonyaka lale misebenzi. Bheka uhlu lwethu lwemisebenzi ekhokha kakhulu kwezezimali nezinsizakalo zabathengi.
#1. Investment Banker
Amabhange okutshalwa kwezimali angabeluleki bezezimali abasiza amakhasimende. Basiza amakhasimende ekukhuliseni imali ngokukhipha nokudayisa izibambiso.
Ngokuvamile, amabhange okutshalwa kwezimali asebenza namabhange namanye amafemu azimele. Amabhange okutshalwa kwezimali asebenzisana eduze namakhasimende ukuze ahlonze amathuba ezezimali futhi anikeze isiqondiso ngokuhlela.
Ukuze ube ibhange lokutshala izimali, kufanele ube neziqu ze-bachelor kwezamabhizinisi, ezomnotho noma izinkambu ezihlobene. Khumbula ukuthi kufanele futhi uphumelele izivivinyo ze-Series 79 kanye ne-Series 63, ezilawulwa yi-Financial Industry Regulatory Authority (FINRA).
Ngakho-ke ngazo zonke lezi ziqu nezidingo, ingakanani iholo elimaphakathi lonyaka lomuntu otshalwa yizimali?
Ngokusho kwe-US Bureau of Labor Statistics, ibhange lokutshala izimali lihola iholo lonyaka lama- $ 62,910. Ibhange lokutshala imali ngomunye wemisebenzi ekhokha kakhulu kwezezimali kanye nezinsizakalo zabathengi.
# 2. Umhlaziyi Wezezimali
Umhlaziyi wezezimali uchwepheshe ohlinzeka ngezeluleko zezezimali mayelana nokutshalwa kwezimali kanye nezimo zezomnotho.
Abahlaziyi bezezimali basebenzela izikhungo zezezimali eziningana. Basebenzela amabhange, amafemu okutshala izimali kanye nezinkampani zomshwalense. Abahlaziyi bezezimali basebenzisa idatha ukuze bahlonze amathuba ezezimali futhi basize amakhasimende ekwenzeni izinqumo zezezimali.
Umhlaziyi wezezimali useshe futhi athole amathrendi emakethe bese encoma ukutshalwa kwezimali. Abahlaziyi bezezimali benza ucwaningo oluningi kanye nokuhlaziywa kwezimali.
Ngakho-ke yini imfuneko yezemfundo ukuze ube umhlaziyi wezezimali?
Ukuze ube umhlaziyi wezezimali, udinga iziqu ze-bachelor kwezamabhizinisi, ezomnotho noma izinkambu ezihlobene. Iningi labaqashi likhetha abafake izicelo zomsebenzi abaneziqu ze-masters noma i-PhD.
Umhlaziyi wezezimali uthola iholo lonyaka lama- $81,410 ngokusho kwe-US Bureau of Labor Statistics.
#3. Umeluleki Wezezimali Womuntu Siqu
Okulandelayo ohlwini lwethu lwemisebenzi ekhokha kakhulu emisebenzini yezinsizakalo zabathengi ngumeluleki womuntu siqu wezezimali.
Abeluleki bezezimali bomuntu siqu bangochwepheshe abaqondisa amakhasimende ngendlela yokuphatha izimali. Njengabahlaziyi bezezimali, abeluleki bezezimali bomuntu siqu nabo basebenzela amabhange, izinkampani zomshwalense, namafemu okutshala imali.
Umsebenzi wabo uhlanganisa nokuhlola izici eziyingozi zeklayenti kanye nokuncoma izinqubomgomo zokuvikela. Umsebenzi udinga ukuqonda okujulile kwemikhiqizo yezezimali nemithethonqubo.
Njengomeluleki wakho wezezimali, udinga ukwakha ubudlelwano namakhasimende akho futhi uxhumane nawo.
Uma ufuna ukuba umeluleki womuntu siqu wezezimali, kufanele ube neziqu ze-bachelor. Iningi labaqashi lizohlinzeka ngemisebenzi kubafakizicelo abaneziqu ze-master.
Lona ngomunye wemisebenzi ekhokha kakhulu ezinsizeni zabathengi futhi ngokusho kwe-US Bureau of Labor Statistics, umeluleki wezezimali womuntu siqu uhola iholo elimaphakathi lama- $94,170.
#4. Umeluleki Womshwalense
Umeluleki womshwalense uchwepheshe osiza amakhasimende ekukhetheni imishwalense efanele.
Abeluleki bomshwalense bathengisa izinhlobo ezahlukene zomshwalense. Bathengisa umshwalense wokuphila, wezimoto nowezempilo. Basebenzela izinkampani zomshwalense, amafemu okutshala imali, namabhange.
Njengomeluleki womshwalense, udinga ukuqonda umkhiqizo owuthengisayo kanye nemithethonqubo ezungeze umkhiqizo. Umsebenzi udinga futhi ubudlelwano obuqinile nokuxhumana namakhasimende.
Uma ufuna ukuba umeluleki womshwalense, ungathatha izifundo zokuxhumana kanye nepsychology njengoba i-bachelor's degree ingadingeki.
Umeluleki womshwalense uhola ngonyaka ka-$60,761.
#5. Umthengisi wamasheya
Abadayisi bamasheya bangochwepheshe abathenga futhi badayise amasheya egameni leklayenti. Njengabahlaziyi bezezimali nabeluleki bezezimali bomuntu siqu, abadayisi bamasheya basebenzela amabhange namafemu okutshala imali.
Umthengisi wamasheya udinga ukuqonda imakethe yamasheya ukuze aphumelele. Ukwakha ubudlelwano kanye nokuxhumana namaklayenti nakho kubalulekile kubadayisi besitoko.
Abadayisi bamasheya kudingeka babe nokuqonda okujulile kokuthi imakethe yamasheya isebenza kanjani ngaphambi kokweluleka amakhasimende ngokuthi yini okufanele athenge futhi ayithengise.
Njengomthengisi wamasheya, uma uthola imali eningi ngekhono lakho, iholo lakho liyakhula.
# 6. Umcwaningi mabhuku
Ama-accountant aphethe amarekhodi ezimali futhi alungisa nentela. Ngokuvamile, ama-accountants asebenza namabhizinisi, abantu ngabanye, izinhlangano, amafemu, njll.
Ama-accountant womuntu siqu kanye nezinkampani yizinhlobo ezimbili eziyinhloko zama-accountant. Ama-accountant omuntu siqu yilabo abasebenza nabantu, kuyilapho ama-accountant ezinkampani asebenzela amabhizinisi.
Umholo wonyaka we-akhawunti e-United States cishe u-$60,000.
Funda futhi: 25 Isikhungo Sokunakekelwa Kwasekhaya Esikhokhelwa Kakhulu | Konke odinga ukukwazi
# 7. Umphathi Wezimali
Izikhulu ezibolekisa ngemali zisiza abantu ngabanye ukuthi bathole imalimboleko emabhange nakwezinye izikhungo zezimali. Basebenzela amabhange, izinyunyana zezikweletu, nezinkampani ze-fintech.
Isikhulu semalimboleko sidinga ukuqonda okujulile kwezinhlobo zezikweletu ezitholakala emabhange kanye nezimfuneko zokufaneleka zemali mboleko ngayinye.
Umsebenzi udinga namakhono okuxhumana namakhasimende angaba khona.
Uma ufuna ukuba yisikhulu semalimboleko, kufanele ube neziqu ze-bachelor kwezezimali.
Umholo omaphakathi wesikhulu semalimboleko cishe u-$63,000 ngonyaka.
#8. Isikhulu Sokuthobela
Umsebenzi wesikhulu esibhekele ukuthotshelwa kwemithetho ukuqinisekisa ukuthi amafemu athobela izindinganiso zokulawula zangaphandle kanye nemithethonqubo yangaphakathi. Izikhulu zokuthobela imithetho ziqapha abaqashi bazo ukuze baqinisekise ukuthi balandela inqubomgomo yenkampani.
Njengesikhulu sokuthobela, ungaqhubekisela phambili umsebenzi wakho ekubeni isikhulu sokuthobela imithetho. Umholo ojwayelekile wonyaka wesikhulu sokuthobela umthetho ngu- $121,698.
#9. Ingcweti yokuSebenza
Okulandelayo ohlwini lwethu lwemisebenzi ekhokha kakhulu kumasevisi omthengi wezezimali uchwepheshe wokuqalisa.
Ochwepheshe bokusebenzisa bangochwepheshe abasiza amaklayenti ngemikhiqizo namasevisi ngemva nje kokuphela kokuthengisa. Ngaphandle kokusiza amakhasimende ngezimpahla namasevisi, ochwepheshe bokusebenzisa baqinisekisa ukuthi umkhiqizo othengwa ikhasimende ufeza izidingo zabo zobuchwepheshe.
Umsebenzi wochwepheshe bokusebenzisa uhlanganisa nokusebenzisana eduze namakhasimende ukwenza ngokwezifiso isofthiwe. Uchwepheshe wokusebenzisa usiza amakhasimende ngokufaka isofthiwe.
Umholo ojwayelekile wochwepheshe bokusebenzisa cishe u-$65,000 ngonyaka.
#10. Unjiniyela Wokusekela Kwezobuchwepheshe
I-Technical Support Engineer iqedela uhlu lwethu lwemisebenzi ekhokha kakhulu kumasevisi omthengi wezezimali.
Unjiniyela wosekelo lwezobuchwepheshe kumele abe namakhono amahle kakhulu okuxhumana nabantu kanye nesineke. Nakuba umsebenzi udinga amakhono amahle kakhulu okuxhumana, onjiniyela bosekelo lobuchwepheshe kumele bazi imininingwane ethile yezinhlelo abazisekelayo.
Ukuze ube unjiniyela wosekelo lwezobuchwepheshe, kufanele ube neziqu ze-bachelor kusayensi yekhompyutha, amarobhothi, noma enye inkambu ehlobene nobuchwepheshe.
Umholo ojwayelekile wonyaka kanjiniyela wosekelo lobuchwepheshe cishe u-$81,000.
Isiphetho
Njengamanje, abantu bafuna izindlela zokutshala imali nokonga imali ngekusasa. Izinsizakalo zabathengi bezezimali ziwumkhakha omkhulu onamathuba amaningana emisebenzi. Kunemisebenzi etholakalayo kwezezimali kanye nezinsiza zabathengi kanti imisebenzi ekhokha kakhulu idinga iziqu ezijwayelekile zemfundo.
Lokhu akufanele kukuthene amandla ekuhloleni zonke izinketho zakho. Sithemba ukuthi lesi sihloko semisebenzi ekhokha kakhulu kumasevisi omthengi wezezimali besiwusizo.
Izincomo
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- Izinhlelo Zesitifiketi Esiku-inthanethi Ezingu-20 Ezikhokha Kakhulu Ezingamaviki Ama-4
- Iyini i-Return on Investment (ROI)? Konke odinga ukukwazi
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Okubhekwayo
https://www.ownyourownfuture.com
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