Dzina lasintha koma maudindo ali ofanana
Udindo umadziwikanso monga executive executive, woimira boma, komanso wothandizira zachuma.
Zambiri, Udindo ndi Specialization
Kubwerera m'masiku omwe akatswiri azachuma ankapezeka mumabungwe azachuma, ntchito zawo zinali zofanana ndi zomwe zili lero. Zonse zomwe zasinthidwa ndizo mutu.
Ofunsira zachuma amalangiza osowa pa mwayi wamalonda ndipo izi zimafuna kukhalabe mpaka mphindi ndi kusintha kwa msika. Ayenera kukhala amalonda abwino, kugulitsa okha, makampani awo, ndi malingaliro awo a ndalama.
Ofunsira ena a zachuma amathandiza anthu okhaokha pamene ena amatumikira mabizinesi monga maunyolo kapena malonda.
Maphwando Odzipereka
Ndalama zimakhala ndi ntchito, koma alangizi ena a zachuma amalandira malipiro ndipo amapatsidwa malipiro kudzera mu mapulogalamu a bonasi ndi kugawa phindu.
Zonsezi, malipiro amatha kuchoka pa $ 36,000 pachaka kwa iwo omwe akungoyamba kumene ndipo sanakhazikitse chithandizo cha makasitomala oposa angapo $ 170,000 pachaka kwa akatswiri odziwa zambiri.
Monga momwe ntchito zambiri zimakhalira, malipiro amawonjezeka ndi kukula ndi kukhazikika kwa kampaniyo ndi ndalama zambiri zomwe zimakhala pafupi ndi $ 57,000 kudutsa mafakitale onse.
Ntchito imafuna kudzipatulira komanso kudzipereka kwa nthawi yambiri. Akatswiri ambiri azachuma amagwira ntchito maola 50 pa sabata ndikugwira ntchito maola 80 pa sabata si zachilendo.
Mbiri Yakale
Makampani ambiri oyendetsera mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe ogulitsa mabungwe oyendetsera mabungwe oyendetsera mabanki anayambitsa zomwe lero zidzatchedwa kubwezeretsanso kwa malowa m'ma 1980 Iwo ankafuna kuti atsitsimutse chithunzi chake ndipo mutu wakuti "wofufuza zachuma" unali wotchuka popanga makampani ambiri.
Cholinga chinali kubwezeretsa fano lakale la wogulitsa wogulitsa ntchitoyo ndi watsopano wamalonda wophunzitsidwa bwino omwe anapereka uphungu wabwino ndi uphungu kwa makasitomala.
"Wothandizira zachuma" anayamba kuyanjidwa kumayambiriro kwa zaka za m'ma 1990 pamene ntchito yowonjezera yowonjezera. Makampani ambiri amakhulupiliranso kuti mutuwu umapereka chithunzi chomwe akufuna kuti apange zochuluka kwambiri kuposa "wothandizira zachuma". Zinkawoneka kuti zamoyo zinachita kusintha kuchokera kuzinthu zomwe zanenedwa kuti gawo lalangizi ndilo gawo lalikulu la fano la "consultant".
Merrill Lynch akubwera pa bolodi
Chochititsa chidwi, mtsogoleri wogulitsa malonda ogulitsira malonda Merrill Lynch anali womalizira makampani akuluakulu kuti asinthe. Dipatimenti yake yowatsata inali yamphamvu kwambiri ndipo inali yochenjera kwambiri mmasiku amenewo.
Merrill Lynch ankaopa kuti kugwiritsira ntchito mutu wakuti "mthandizi wa zachuma" kungakhale ndi malamulo akuluakulu okhudza malamulo ndi kutanthawuza kuti omwe ali ndi dzina limenelo adzakhala ndi zikhalidwe zovuta kwambiri za fiduciary.
Ndondomeko yoyenera kumasula nthawi zambiri inatsogolera zochita za ogulitsa, olemba nkhani, ndi oimira.
Zoonadi, mabuku osiyanasiyana a zamalonda ndi zachuma monga Wall Street Journal, Barron's, ndi Forbes nthawi zonse amawongolera kuti mutu wamalangizi wa zachuma unatengedwa motere. Nkhani zofalitsa nkhani zimaitanitsa chiwerengero cha fiduciary chomwe chiyenera kuperekedwa kwa ogwira ntchito.
Pomwepo, mantha a Merrill adakhala opanda maziko ndipo potsirizira pake adatcha akatswiri a zachuma monga alangizi a zachuma.
Monga chitsimikizo cha chisokonezo chowonjezereka, mayina a Chartered Financial Consultant (ChFC) ndizovomerezeka kwa okonza ndalama .