Kulukhuni kunjalo, ongoti bakhuthaza abathengi ukuthi bangapheli amandla ukonga imali. USLINDILE KHANYILE uyabika
AMANANI kaphethroli asenyuke ngo-27% kusukela ngonyaka odlule kuze kube manje kanti phakathi kuka-Ephreli noMeyi anyuke ngo-8.1%. Lezi yizibalo ezisanda kukhishwa yiFNB.
Kusukela namhlanje uphethroli usibiza ngaphezu kukaR26 ilitha njengoba uphinde wanyuka ngemali ephakathi kukaR2.37 noR2.57 ilitha, udizili ukhuphuke ngoR2.31ilitha, upharafini wanyuka ngoR1.66 ilitha. Igesi yehle ngoR2.18 ikhilogremu.
Namanani okudla awazibekile phansi, njengoba ngokusho kwePiemaritzburg Economic Justice and Dignity ukudla sekubiza ngaphezulu ngo-13.6% kusukela kuJuni ngonyaka odlule.
Nakuba kunjalo ongoti bezomnotho bakhuthaza abathengi ukuthi bazame ukonga imali ngisho ngabe kuthiwa ingakanani.
Isikhulu esiphezulu seSouth African Savings Institute (iSASI) uMnu uGerald Mwandiambira sithe into ebuye iphazamise abantu uma bezama ukonga imali wukucabanga ukuthi kulula. “Ukonga imali akulula. Kufuneka uzidele, uzinikele futhi ubambelele kozibophezele kukona. Kudingeka futhi ukwenze uphindelela uze uhlomule ngokukwenza kwakho. Yingakho kulula futhi kungcono ukuthi uqale uzijwayeze ngokuthi imali uyibekele into ezosheshe yenzeke njengokuya eholidini ngoba uma usuke wezwa ubumnandi bokuyibeka uzojwayela.”
I-SASI yinhlangano engenzi inzuzo eneminyaka engaphezu kwewu-20 yenza ucwaningo ngokonga imali eNingizimu Afrika, ikhankasa futhi ifundisa abathengi ngokonga imali. Yiyona eyasungula umkhankaso wokuthi ngoJulayi kugqugquzelwe abantu ukuthi bonge imali.
UMwandiambira uthe ngaphambi kweCOVID-19 bese siqala sinyuka kancane isibalo sabantu abonga imali njengoba nesabanezikweletu besehla ngenxa yokuqiniswa komthetho wokuhlinzeka ngezikweletu. “Kepha manje ukudla kuyabiza, abantu baphelelwe yimisebenzi nezinye izinto ziyanyuka njengophethroli. Njengamanje abantu bayaciciyela.
“Kuzosiza ukuthenga izinto zibe ningi, ukulandela isabelomali, ukugwema ubukhazikhazi nokubeka okuncane ongakwazi. Isinkwa sisazonyuka ngenxa yempi yase-Ukraine; akukapheli ukunyuka kwezinto,” kwengeza uMwandiambira.
Ukunyuka kwamanani ezweni lonke kufinyelele ku-6.5% nokungaphezu kwaloku iBhange loMbuso elizibekele kona okuphakathi kuka-3% no-6%.
IsiKhulu esiPhezulu seFNB Retail Cash Investments uMnu uHimal Parbhoo sithe ukunyuka kukaphethroli kuyazwela kakhulu kubathengi ngoba kusafanele baqhubeke nezindlela ezifana nokuya emsebenzini, ukuyisa abantwana esikoleni nezinye izindlela.
“Ngalesi sikhathi siluleka abathengi ukuthi bazihlele kahle izindlela zabo zosuku nesonto, bahlanganyele nabanye bahambe ngemoto eyodwa futhi baphathe nokudla ukuze bezokonga imali encane,” kweluleka yena.
Nabaphila ngempesheni bayakhuthazwa ukuthi kube khona abakongayo abazokwazi ukwengeza ngakho emalini yabo yempesheni.
InHloko yeFNB Wealth and Investments uMnu uSamukelo Zwane ithe kungakuhle ukuthi izaguga zibe nama-akhawunti okonga imali noma ama-money market fund, okungama-akhawunti imali etholakala kalula kuwona ngaphandle kokuthikameza ezisuke ziyibekele isikhathi eside.
Esinye iseluleko sikaZwane sithe: “Labo asebephila ngempesheni kufanele bagweme ukunyusa imali abayiholayo (esikhwameni sempesheni) ngoba benzela ukumelana nokunyuka kwamanani ezimpahla. Kunaloko kufanele bazame ukukhipha imali engaphansi kwenzalo engeniswe yisikhwama ngoba ngokwenzenjalo bazongathikamezi lena abayitshalile.”
Ugcizelele ukuthi abangakafiki empeshenini abakugweme ukuthatha imali yempesheni uma beshintsha umsebenzi njengoba ethe kungcono bayifake esikhwameni sokuyilondoloza i-preservation fund.
UZwane uthe ukuthatha imali njalo uma ushintsha umsebenzi kuyalimazana ngokuthi uphunyukwa yithuba lokuzalisa imali ngenzalo, i-compound interest, isikhathi onaso ukuthi ubeke imali eyanele yempesheni siyancipha kanti okwesithathu enye yale mali icwila nentela.