Hlela ukuthatha umhlalaphansi kusenesikhathi, kuloba uNokwazi Chonco
KUBALULEKILE ukuhlelela umhlalaphansi. Ucwaningo olusha luthole ukuthi bawu-36% kuphela abantu baseNingizimu Afrika abanesikhwama somhlalaphansi.
Abantu abaningi baseNingizimu Afrika bagcina sebesebenza sekudlule iminyaka yabo yokuthatha umhlalaphansi ngenxa yokuhluleka wukuhlela izindlela zokulondoloza imali yomhlalaphansi.
Qala kusenesikhathi ngenkathi uqala ukwenza imali. Intsha yenza iphutha lokungawusukumeli umhlalaphansi ngoba izitshela ukuthi isenesikhathi esiningi.
Lolu hambo lokuphatha nokubeka imali ludinga ungayisebenzisi noma kanjani imali futhi wonge kakhulu.
Ukonga kubalulekile ukuze uphile kahle ube nokuthula, ngakho-ke, thola isisombululo esifanele wena.
Noma ngabe ukuphi empilweni yakho, kubalulekile ukuba nezinhlelo ezidingekayo ukuze uqinisekise ukuthi unemali eyanele ukuze uthathe umhlalaphansi ngokunethezeka. Ungadembeseli, qala ngokushesha.
Kunezisombululo eziningi ongakhetha kuzona. Thola esizwana nawe nezidingo zakho.
Yenza ucwaningo, uthole umeluleki wezezimali ozokusiza. Kunezinhlobo eziningi zemikhiqizo yokutshala imali esetshenziselwa ukongela umhlalaphansi ehlinzekwa yizikhungo eziningi zemali.
Eminye yemikhiqizo yokutshalela umhlalaphansi:
- Izikhwama zempesheni zibizwa nge-retirement fund, okuyi-pension fund ne-provident fund;
- I-retirement annuity (i-RA);
- I-unit trust fund;
- I-tax-free investment (i-TFIs).
Izikhwama zempesheni:
Lesi sikhwama siyasiza ngokuba indlela yokonga esiza nangentela uma wongela umhlalaphansi. Imali oyifaka kulesi sikhwama kunentela ebanjwayo. Loku kuchaza ukuthi ugcina ukhokhe intela encane uma uyilungu lalesi sikhwama futhi inzalo yakho ngeke ikhokhiswe intela. Nokho kunemibandela ngaphambi kokuthatha umhlalaphansi futhi awukwazi ukulawula ukuthi imali yakho itshalwa kuphi.
Isebenza kanjani i-RA:
I-RA yisikhwama sempesheni ozithathela sona wena uqobo, hhayi umqashi wakho. Imvamisa isetshenziswa ngabantu abangenasikhwama somhlalaphansi emsebenzini noma abazisebenzayo noma labo abafuna ukwengeza emalini yabo yomhlalaphansi. Kuyona uyakwazi ukukhetha ngokwezinga elithile lapho imali oyitshalayo iya khona.
Yini i-unit trust?:
I-unit trust ikunika indlela yokonga ngendlela ofisa ngayo. Ihlanganisa imali evela kubatshalimali bese itshalwa ngezindlela ezihlukene okuhlanganisa izabelo, izakhiwo nokunye okusuke kuhlanganiswe yinkampani eyengamele.
Le mali ilawulwa ngongoti abaqondayo ukuthi imikhakha ehlukene isebenza kanjani futhi abagada ukuthi izinto ziqhubeka kanjani ezimbonini ezihlukene. Ungayithola noma nini uma usuyifuna.
Yini i-tax-free investment:
Le ndlela yokutshala imali ikusiza ukukunciphisela intela oyikhokha emalini osuke uyitshalile. Awuyikhokhi intela ngenzalo oyenzayo kulesi sikhwama. Uyakwazi ukuthola imali yakho noma nini uma usuyifuna, kepha ukusheshe uyikhiphe akusiwona umqondo omuhle.
- UNkk uChonco uwungoti wezimali nomsunguli we-Ibanokwazi, inkampani efundisa ngokuphatha imali