Phisana ngesipho sikaKhisimusi sangunaphakade, kubhala INTATHELI YOMBELE

KUHLE ukupha abantu obathandayo izipho zikaKhisimusi ezijwayelekile kodwa uke ucabange ukubapha amasheya, ama-ETF, ama-ETN noma ama-unit trust ukuze batshalele ingomuso nesipho esingapheli?

Loku kungaba wumcabango omuhle wokuqinisekisa ukuhlomela ikusasa lezimali lezingane zakho noma abantu obathandayo. Isipho esinjalo singabasiza ukuqala uhambo lokuphatha imali yabo futhi kubasize ukugxilisa izinqumo eziphusile zokuphatha imali eziyobasiza ngomuso.

Inhloko yeShare Investing eFNB uMnu uSebastian Pillay ithi: “Nakuba izipho ezijwayelekile zingabajabulisa ngokushesha abantu obathandayo kodwa umuntu omthandayo izipho ezinjengokutshala imali, njengokuthenga amasheya, yinto yesikhathi eside nethuba elihle lokutshala, lapho khona lesi sipho sikhula ngokuhamba kwesikhathi. Lesi sipho sinamandla okuphucula impilo yabantu abayigugu kuwena nethuba elikhulu ezinganeni lokufunda zisencane ngobuhle bokutshala imali.”

U-Pillay uchaza ubuhle besipho sokuqala ukutshala imali:

• Ukufunda ngemali: Ukupha amasheya kunika omupha leso sipho ithuba lokufundisa ngemali, kwenze afunde ngokutshala imali, ukusebenza kwezimakethe nokubaluleka kokuhlelela imali isikhathi eside. Ukuba namasheya kwenza ube nengxenye yesabelo sokuphatha inkampani ethile okungasiza ukukufundisa ngokuphatha imali ngendlela efanele nokuqonda okutshalile. 

• Ukuqokelela umcebo: Sonke siyasazi isisho esithi “Inja iyawaqeda amanzi ngolimi” kanti kunjalo ukwakha umcebo. Kuthatha isikhathi futhi kufuna uphikelele, okuyisifundo esimqoka ongasifunda ngokutshala imali. Amasheya akwazi ukukhula ngokuqhubeka kwesikhathi, okuholela ekwakheni umcebo. Amasheya awafani nezipho ezijwayelekile ezingehlelwa ngamandla azo ngoba wona ayakhula abe yisisekelo esiqinile sangomuso.

• Ubunikazi nokuthatha izinqumo: Ukuba namasheya kukufundisa ukukwazi ukuthatha izinqumo eziphusile ngemali, njengokuthi uwenzani amavenge okuphela konyaka, njengokuthi uyawasebenzisa noma uphinda uwatshale.  

• Ukukhula kwenzalo: Enye yezinto ezisiza ngokupha ekutshaleni imali kumasheya ngamandla okukhula kwenzuzo. Ngokuqhubeka kwesikhathi, amavenge atshaliwe noma inzalo nokukhula kwamanani amasheya kungaholela emihlomulweni ebhekile. Ukusheshe utshale imali ngezindlela eziningi kungakwenza ukwazi ukubona kahle amandla okukhula kwenzalo, kwenze ukubanekusasa eliqhakazile.

• Alula futhi ayadluliseka: Amasheya mahle ngokuthi ungenza izinto eziningi ngawo futhi ayedluliseka komunye umuntu. Ungakwazi ukuphisana ngawo, uwadayise noma uwabekele isizukulwane esizayo. Ukukwazi ukwenza ngawo izinto eziningi kukuvumela ukuba nohlelo lokuthi imali yakho uzoyisebenzisa kanjani, okusiza ukuqinisekisa ukuthi lapho otshale khona kuhambisana nezifiso ngemali yakho, nangethuba lokuwadlulisela kothandiweyo bakho uma uthanda.

• Ukukhuthaza ukuphatha kahle imali: Ukuphisana ngamasheya kukhuthaza ukuphatha kahle imali nokuba nohlelo lwesikhathi eside lokuphatha imali. Abantu obaphayo bafunda ubuhle bokubekezela, ukubaneqhinga ekuthatheni izinqumo eziphusile nokubaluleka kokutshala imali ezindaweni ezihlukene.

“Ukupha amasheya noma kuphi ukutshala imali kuhle futhi yindlela ephusile yokupha izingane zakho noma abantu obathandayo. Akupheleli ebumnandini bokuthola isipho kodwa kuyisipho esihlalayo nesingakhula iminyaka eminingi. Ngokuhlanganisa ubuhle bokwazi ngemali, ukukhulisa umcebo nobunikazi, ukupha abantu amasheya kucaba indlela yekusasa eliqhakazile neliphephile ngokwezimali,” kuphetha uPillay.