Kutungamirirwa kwehungwaru kunoongorora uye kunotarisa njodzi dzinotarisana nekambani
Inowanzotora chikamu chekuteerera kwebhizimisi, asi inogona kunge iri chikamu chemabhizimisi ezvimwe mabhizimisi zvakadai sekuchengetedzeka kwekutengeserana madhekisi kana dhipatimendi yematunhu.
Kutsanangurwa kwaJobho: Mabasa uye Mabasa
Vatungamiriri vematambudziko vangave vatungamiri venyika vanofukidza nzvimbo dzakasiyana-siyana, kana vangave vanyori vanoisa pfungwa panzvimbo imwe chete. Zvikamu zvakakura zvekuisa mungozi mukati mehupfumi hwebasa rezvemari zvinosanganisira:
- Kusagadzikana pane zvikwereti zvinowanikwa nekambani
- Kurasikirwa pane zvigumisiro zvinyorwa zvakaitwa nevatengesi
- Kurasikirwa kwezvikwereti zvekutsinhanisa zvakachengetwa kwekambani yemuyo pachake
- Dambudziko rekupikisa-rimwe boka rezvemari rinokundikana mune zvaunosungirwa kune rako
Vatungamiri vehungwaru vanosimudzira, vanoita, uye vanoomesa mitemo uye nzira dzakagadzirirwa kuderedza dambudziko iri. Semuenzaniso, kukosha kwezvinyorwa zvakachengetedzwa nevatengesi vevheti vangave zvisingakwanisi.
Dhaka kuputsa uye kubhakwa kwekuzivikanwa kuri kukonzera matambudziko mumabhizimisi ose, kwete kungoita mari.
Izvo zvinogona kujekesa zviri kuwedzera zvishoma nezvishoma kubva mune zvese mari uye zvinyorwa. Nzvimbo dzakanakisisa dzekuchengetedza njodzi uye vatungamiri vekuchengetedza njodzi dzinotora matanho ekugadzirisa hurongwa hwekuchengetedzwa kwenyika muhukama hwepedyo nemapoka avo edzimikirwo yekombiyuta .
Vashandi vekutarisira njodzi vanoshandisa zvikwereti zvakasiyana-siyana zvemari uye zvibvumirano zvekudzivirira njodzi, dzakadai senishuwarenzi , swaps, zvigadzirwa, ramangwana zvibvumirano, uye zvisarudzo zvisungo.
Mutungamiriri weNengozi yeChirongwa Chekuita
Nguva yekuzvipira inotarisirwa nebasa rekuchengetedzwa kwemungozi kunogona kunge yakasiyana zvikuru. Inogona kuvimba pane yakasimba uye nzvimbo. Nenyanzvi, inowanzoita basa mapfumbamwe kusvika kune mashanu, asi kutarisira kukanganisa basa rinokosha kuitira kuti vatungamiriri vanogona kutarisira kuisa mumabasa masvondo anopfuura maawa makumi mana, pamwe nenguva nenguva uye munguva dzenjodzi. Vashandi vekutarisira njodzi vangave vachigara vachishevedzera panguva dzemahombekiti epamusoro kusagadzikana uye kusaziva mari.
Izvo Zvakanakira uye Zvinonyangadza zvekutengesa Risk
Kutarisira njodzi ibasa rinokosha uye saka rine basa guru rekugutsikana kwebasa. Nzvimbo dziri mundima iyi dzinowanzobhadharwa zvakanaka uye dzinoremekedzwa zvakanaka. Basa rinogona kukurumidza kufamba uye rinokurudzira.
Iyo flipside yekushanda munyaya yakaoma yakadai ndeyokuti zvinoda zvebasa zvinogona kuva zvinotyisa munguva dzinonetsa, kunyanya kana zvisarudzo zvakakomba zvinofanira kuitwa panguva pfupi.
Iyo "mapurisa" yehutano hwekutarisana inogona kuumba ukama husingafadzi hunovhiringidza nevashandi nevashandi uye zvimwe zvikamu zvevarimi, kunyanya vatengesi vemabhizimisi.
Iro psychology yesimba ndeyekuti vanhu vakakurumbira muhurumende, sevamiriri vehutungamiri vehutungamiri, vangangoramba kutamba nemitemo.
Dzidzo, Unyanzvi, uye Chiitiko Chinodiwa
Chikoro chebhaibheri chikamu chiduku kana iwe uchida kushanda mukuchengetedza njodzi, uye MBA inowanzodiwa. Kudzidzira mukutarisana nematambudziko kunowanzojairika kune vose vanodzidza pasi uye vanopedza kudzidza, uye dzimwe hurumende dzinopa zviyero mukutarisira ngozi. Dhigirii yemakore mana mubhizimisi, rezvematongerwo enyika kana mari yemunharaunda inogona kuwanana, zvisinei, nokuti iyiwo inzvimbo iyo inogona kutora rutsoka rwako mumusuo nekushanda nzira yako, zvichiwana pa-mu-chiitiko chiitiko pane mukati.
Unyanzvi hukuru hwekuita ndewekufanirwa, uye ruzivo mune shandisi yesayenzi uye mukuvandudzika kana kushandiswa kwezvirevo zvekufananidzira kunogona kubatsira zvikuru.
Chimwe chinhu chinonyanya kukoshesa vatungamiri vematambudziko muzvivigirisi zvemakambani chinoratidza kuti chinogona kuva chiratidzo pamusika kurasikirwa pazvinhu zvekuchengetedzwa kwakaitwa nekutengesa madheki. Semugumisiro, ruzivo rwakaitika sevatengesi kana sekutengesa daisi mubatsiri rinogona kuva rinokosha kune mutungamiriri wezvipingamupinyi mumutambo uyu wakasimba. Apo Merrill Lynch akatungamira mhizha kuburikidza nekugadza nzvimbo yekutanga yakadaro paWall Street mushure mekufa kwekambani ye 1987, iyo firipi yakatengesa mutengesi mukuru kune basa.
The Possibility of Certification
Zvigwaro zvepamusoro zvekuchengetedza njodzi zviripo zviripo, uye zvinenge zvichidiwa nehuwandu hwevashandi. Vanogona kubatsira kutanga kana kutanga mberi basa mumunda, asi ruzhinji rwekambani harisati ruchivatsvake.
Zviitiko mumutemo , kubhadharwa , kutevedza, inshuwarisi, kana nzvimbo dzinoshandiswa mumabhizimisi emari yehupfumi zvizivikanwa zvinokosha. Vatungamiri vengozi vanotarisira kuchengetedzwa kwekutengeserana vanofanira kunge vane ruzivo rwakanyanya rwekutengesa maitiro uye nzira, uye ruzivo urwu rwakakwanisa kuwana kubva pane zvakaitika kare sevatengesi kana sekutengesa daaki mubatsiri.
Mubhadharo uye Ropafadzo Range
The Bureau of Labor Statistics (BLS) inobatanidza vatungamiri vematambudziko nemamwe mapoka evatariri vezvemari, asi kubhadhara mapepa emakanheni ematambudziko kakawanda kupfuura kupfuura zviyero zvevatariri vezvemari. Vaya vanoshandiswa munzvimbo iyi vanogona kuwana mabhonasi nemakomisheni mukuwedzera kune mibairo, uye vanowanzogamuchira kuwedzera kwekugovana kwebatsiro. Uye, zvechokwadi, mari yekubhadhara inogona kusiyanisa zvizhinji nemushandi.
Pachinini, vataridzi vematambudziko vanowanzogamuchira mubhadharo uye zvikwereti zvinowanikwa pakati pe- $ 50,000 pagore zvakasiyana, asi izvi zvinowanzoitika kana vachiri kutanga. Vanogona kuwana mari yakawanda se $ 140,000 kusvika kudarika $ 160,000 nenguva uye ruzivo, kunyange zvazvo $ 120,000 yakatarisa ndiyo inowanzoita. Freddie Mac naKaiser Permanente vakabhadhara madhora 118 000 kune vatungamiri munharaunda iyi muna 2018, nepo Credit Suisse inopa mari inenge madhora 130 000 pagore.