Izinto okumele uziqaphele uma ulondolozela ukuya empeshenini. USLINDILE KHANYILE uyabika
KUMQOKA ukuthi abantu baqonde ukusebenza kwenzalo ezala phezu kwenye, phecelezi i-compound interest, umhlomulo wentela nokuthi asebenza kanjani amandla emali ngomuso, phecelezi i-future inflation, uma belungiselela umhlalaphansi.
Lesi yiseluleko sikaMnu uSamukelo Zwane, i-head of product eFNB Wealth and Investment Management Solutions.
UZwane uthe into abantu abangiyiqondi ngokubeka imali wukuthi ikhula kakhulu uma ibekwa isikhathi eside ngoba kugcina kuzala inzalo phezu kwenzalo. Uthi lesi yisona sizathu kufanele kugqugquzelwe abantu ukuthi basheshe baqale ukulondolezela ukuya empeshenini.
“Sithi kubantu qala ukulondolozela impesheni kusukela uqala ukusebenza ngoba kuthatha isikhathi ukuthi imali ikhule. Kukhona le nto okuthiwa yi-compound interest, nokusho ukuthi inzalo izala enye inzalo nokuyiyona esiza kakhulu ukuthi imali yakho ikhule.
“Enye into abantu okufanele bayikhumbule wukuthi uma usebenza, umholo wakho uzobuye uphele. Uma kuwukuthi uzosebenza iminyaka ewu-20, emva kweminyaka ewu-20 umholo wakho uzophela. Kodwa kukhona lesi simanga okuthiwa yi-compound interest esingakusiza,” kusho yena.
UZwane uthe eNingizimu Afrika wu-10% kuphela abantu okufika isikhathi sokuya empeshenini bekulungele kahle ngoba abanye bayaphuza ukuqala ukubekela impesheni kanti abanye uma beshintsha umsebenzi bayayithatha imali esikhwameni sempesheni bayisebenzise.
Uthe okunye okunesandla yilokhu kucabanga ukuthi ungasebenzisa ezinye izindlela ukubekela impesheni njengokuthenga umuzi uqashise ngawo. Uthi nakuba loku kusiza ekwengezeni emalini umuntu angaba ngayo uma esesempeshenini kodwa kukhona futhi lapho kusala khona, nokwenza kungabi nayo imihlomulo efana neyokulondoloza usebenzisa isikhwama sempesheni.
Imvamisa abantu bathembela ezikhwameni zempesheni zalapho beqashwe khona ukulungiselela impesheni nokwenza abanye bangasiboni isidingo sokuba nesikhwama sempesheni esizimele, i-retirement annuity.
UZwane uthi kulungile ukuqala ngesikhwama sasemsebenzini kodwa kumele umuntu azibuze ukuthi yimalini azoyidinga mhlazane eseya empeshenini.
Uthi kuyasiza nokukhumbula ukuthi uma ukhula izindleko zezempilo ziyanda ngenxa yokuguga kanjalo namandla emali asuke engasalingani.
Uthi kukhuthazwa ukuthi uma umuntu eshintsha umsebenzi kungcono imali ayifake esikhwameni sokulondoloza okuthiwa yi-preservation fund noma esikhwameni sempesheni esizimele.
UZwane uvumile ukuthi njengemboni ehlinzeka ngezimali kumele banyuse amasokisi ekugqugquzeleni abantu ukuthi bakuhlelele kahle ukuya empeshenini ngendlela ababakhuthaza ngayo ukuthi balungiselele ukufa.
