Ndondomeko Yogwira Ntchito Yogulitsa Inshuwalansi

by Mark Kolakowski

Pakati pa njira za inshuwalansi , mabungwe a inshuwalansi (omwe amatchedwanso inshuwalansi ogulitsa) amagulitsa mizere imodzi kapena yambiri ya malonda ndi inshuwalansi. Kuwonjezera apo, othandizira ena a inshuwalansi angakhale ngati akukonza ndalama ndipo akhoza kukhala ndi chilolezo chogulitsa zinthu zosiyanasiyana zomwe zikugulitsa malingana ndi aphungu a zachuma . Agent omwe ali antchito a kampani ina ya inshuwalansi nthawi zina amatchedwa "ogwidwa ukapolo." Odziimira okha omwe amagulitsa katundu wa makampani ambiri a inshuwalansi amatchedwa "inshuwalansi."

Pezani Ntchito Yotsegula

Gwiritsani ntchito chida chofufuzira ntchito ku Indeed.com kuti mupeze malo ogwiritsidwa ntchito panopa.

Maphunziro

Dipatimenti ya Bachelor Degree ikuyembekezera. Ntchito yodalirika, zachuma ndi / kapena zachuma zimathandiza, ngakhale sizikufunika. Maluso okhwima ndi owerengera ndi ofunikira. MBA ikhoza kukupatsani mwendo pamene mukugwira ntchito, malingana ndi khama.

Chizindikiritso

Kubwezera chilolezo ndi zovuta. Dziko lililonse lili ndi zofuna zake, zomwe zimasiyana ndi mtundu wa inshuwalansi imene inshuwalansi yogulitsa inshuwalansi idzagwira. Makampaniwa akhala akunena zoyenera kuti azikhala ndi ma uniforms national license licensing standards, kuti athe kupanga chovomerezeka. A inshuwalansi omwe amagwiritsanso ntchito malonda amtunduwu adzafuna FINRA certification, kupitilira Mndandanda wa 6 kapena Mndandanda wa 7. Anthu omwe amagwiritsa ntchito ndalama akufunikira ndalama zovomerezeka za Financial Planner (CFP).

Ntchito ndi Udindo

Akampani a inshuwalansi amalangiza makasitomala kuti agwiritse ntchito inshuwalansi mankhwala kuti atetezedwe ku ngozi.

Ntchitoyi ili ndi ntchito yochuluka yokonza ndalama, ngakhale wothandizira sagwira ntchito mwachindunji. Choncho, ngakhale kuti kupambana kumadalira kwambiri maluso a malonda, luso lofufuza bwino ndilofunikira.

Ndondomeko Yoyenera

Kudzipereka nthawi kumakhala kosiyana, malingana ndi malo enieni a inshuwalansi ndi chikhumbo cha munthu payekha.

Maola 40-60 pa sabata ndi osiyanasiyana. Monga momwe zimagulitsira malonda ena, omwe akuyambira akusowa ndalama zambiri pa nthawi kuti ayambe ntchito zawo.

Chofunika Kuchita

Athandizi a inshuwalansi nthawi zambiri amakhala ndi luso lapamwamba la ntchito. Amene amalipidwa makamaka ndi komiti amasangalala ndi mgwirizano pakati pa ntchito ndi mphotho, zomwe zimapindulitsa kwambiri. Ntchitoyi imapereka mpata wowonetsera bwino, moyo wa makasitomala anu.

Chimene Sichiyenera Kuzikonda

A inshuwalansi amayenera kuthetsa mikangano yosakondera, popeza ndalamazo zimachokera ku malonda, popanda kulemekeza momwe zinthu zogulitsa zimagwirira ntchito kwa mâ € ™ chithandizo. Makampani a inshuwalansi amachitidwa kuti si olemekezeka kwambiri, kotero pangakhale zovuta za kusakhulupirika kuti zithetse, zomwe zingathe kutsutsana pamakangano pa kubweza ngongole.

Misonkho ya Malipiro

Pa Bungwe la Masamba a Ntchito, malipiro apakatikati a pachaka anali $ 48,150 kuyambira mwezi wa May 2012, ndipo 90% amapeza pakati pa $ 26,120 ndi $ 116,940. Ndondomeko zolipirira malipiro zimasiyanasiyana ndi abwana, koma malipiro othandizidwa ndi komiti amatha.

Malingana ndi kafukufuku wa inshuwalansi ya moyo wa inshuwalansi Limra (monga momwe tafotokozera m'nyuzipepala ya Wall Street Journal ya 3/19/10 "Ntchito Yowopsya Kwa Nthawi Yovuta: Wothandizira Inshuwalansi ya Moyo"); wothandizira inshuwalansi ya moyo ayenera kuyembekezera kuti azigwiritsa ntchito zaka 5 asanakhale ndi mwayi wopeza $ 100,000 pachaka.

Lipoti lomweli limapereka kugawa kwa pachaka kwa ogwira ntchito omwe ali ndi kampani imodzi yomwe ali m'chaka chawo chachiwiri:

Pansi pa $ 15,000: 28%
$ 15,000 mpaka $ 34,999: 42%
$ 35,000 mpaka $ 49,999: 13%
$ 50,000 mpaka $ 74,999: 9%
$ 75,000 mpaka $ 99,999: 4%
$ 100,000 mpaka $ 124,999: 2%
$ 125,000 ndi apo: 2%

Malipiro a Agulitsa Za Inshuwalansi Zaumoyo

Makampani a inshuwalansi a zaumoyo akusintha malipiro a anthu ogwira ntchito kuchokera ku komiti yachitsanzo (yomwe ndalama zokwana 4-6 peresenti, komanso mwina 30 peresenti m'chaka choyamba, ndizofunikira) kuti munthu azikhala ndi ndalama zokwana madola 15 pa munthu aliyense ndizochitika). Kusintha kumeneku kukufulumizitsidwa ndi bizinesi ya zachipatala ya 2010, yomwe imapereka kuti makampani a inshuwalansi a zaumoyo amachepetsa malipiro awo oyendetsera chuma (kuphatikizapo malonda a malonda) ndi phindu la ndalama zowonjezera. Maumboni ovomerezeka ndi 20% kapena ocheperapo pazinthu za gulu limodzi ndi zing'onozing'ono, ndi 15% kapena zochepa pazinthu zazikulu za gulu.

Poyankha, owona malonda akulosera kuti ogwira ntchito pawokha ayamba kuwombera makasitomala malangizowo mwachindunji pakusankha pakati pa mapulani ndi a inshuwalansi. Gwero: "Kulipira kwaumoyo kumafuna ma Commissions," Wall Street Journal , 5/18/2010.