Wu-10% kuphela wabantu abazimisele ukuthatha umhlalaphansi – ucwaningo

WUBONISWA MOHALE

ZIJIKILE izinto uma kukhulunywa ngomhlalaphansi eNingizimu Afrika njengoba ucwaningo olusha lomhlalaphansi lweFNB luveza ukuthi wu-10% kuphela wabantu baseNingizimu Afrika abazimisele ukuthatha umhlalaphansi ngokugcwele uma sebeneminyaka ewu-60. 

Ngokusho kwe-head of Product eFNB Wealth and Investment Solutions uMnu uSamukelo Zwane, u-90% wabantu baseNingizimu Afrika uzimisele ukuqhubeka nokusebenza uma usudlule eminyakeni ewu-60 kangangokuthi abanye baqala imisebenzi emisha, abanye baqala izinto ezizobangenisela imali.

Isizathu saloku wukuthi abantu sebephila isikhathi eside, okwenza babone ukuthi imali abayilondolozele umhlalaphansi ngeke ibalonde impilo yabo yonke.

UZwane: “Ucwaningo lwethu olubheka ukuthi abantu bawubona kanjani umhlalaphansi luthole ukuthi abantu abazimisele ukuthatha impesheni uma sebefika eminyakeni ewu-60. Wu-10% ofuna ukuhlala ekhaya, abanye bathi basazosebenza. 

“Sithole ukuthi abantu bawuhlelele umhlalaphansi kodwa hhayi ngokwanele. Isizathu saloku wukuthi banengcindezi yokukhokhela izidingo zansuku zonke nezinye izikweletu.”

Uthi ucwaningo lwabo luthole ukuthi wonke umuntu ungaphansi kwengcindezi ngoba nomuntu ohola kangconywana, okuqala kuR20 000 kuya kuR40 000, wehlise imali ayibekela umhlalaphansi isuka ku-51% yaya ku-34%. 

FUNDA NALAPHA: https://www.umbele.co.za/2024/07/16/abantu-abawongeli-umhlalaphansi-ucwaningo/

Uthe babone nokuthi abantu abahola kancane banomasingcwabisane, okuwu-90% wabo, kanti balondoloza imali yabo kuma-savings account. Kolunye uhlangothi u-97% wabantu abahola kahle nabacebile unomshwalense wempilo, phecelezi i-life cover, futhi wongela umhlalaphansi kuma-retirement annuity nama-living annuity. 

Loku uthi kubanika inselelo beyibhange nezinye izikhungo ezisebenza ngemali ukuthi bezenemikhiqizo efanele ezosiza abantu ukuthi bonge.

Ucebise abantu ukuthi basheshe bongele umhlalaphansi futhi bafune ulwazi oluyilona ezikhungweni ezibhaliswe ngokusemthethweni. 

Isikhulu seFNB Wealth and Investments uMnu uBheki Mkhize sithe ucwaningo lwabo luveza ukuthi u-60% wabantu unazo izinhlelo ngomhlalaphansi kodwa ukuthi izinhlelo zabo zifanele noma azifanele omunye umbuzo.

Ubalule uhlelo lokunyula imali yempesheni ebhodweni i-two pot retirement lusizile ukukhumbuza abantu ngokubaluleka komhlalaphansi. Bathole ukuthi u-26% wabantu onyule imali yempesheni obuyingxenye yalolu cwaningo.  

Imali enyuliwe uthi isetshenziselwe ukukhokha izikweletu nokwenza ezinye izidingo eziphuthumayo, okukhombisa ukuthi abantu abanayo imali eyanele.

Uthe kuningi abakwenzayo ukufundisa umphakathi ngemikhiqizo efanele yokongela umhlalaphansi njengoba kunemikhiqizo etholakala kwi-app nongabuza ngayo emagatsheni ebhange. 

Inhloko yeFNB Wills and Deceased Banking uNkk UCarin Meyer ithe uma abantu behlelela umhlalaphansi kufanele bakhumbule nokubhala incwadi yefa nokuhlela kahle zonke izimpahla zabo.

Uthi ucwaningo luveza ukuthi kubantu abayishumi bane kuphela abanencwadi yefa esemthethweni. Uthi ukubanencwadi yefa esemthethweni kuvikela abantu abondliwa wumufi futhi kugwema ukuklwebhana emndenini. 

Ubalule ukuthi kulula ukukhuluma nabantu asebesondela eminyakeni ewu-60 ngokubhala incwadi yefa kodwa abantu abasha abekhonkamunkamu ukuxoxa ngaloku.