Indlela yokwahlula ilifa

Ubusazi ukuba sele unaso isicwangciso sokucwangcisela ilifa lakho? Ewe kunjalo. Urhulumente wethu unemithetho esebenza xa ungakwazi ukuzenzela nto okanye xa ungasweleka. Amaxesha amaninzi le mithetho ayiliphathi ngendlela ubungathanda ngayo ilifa lakho, nto leyo ethi uza kube unikela ilifa lakho kumntu ongamaziyo

ukuba athathe izigqibo ngempilo yakho kunye nezinto zakho ngokubanzi. Awungethandi ukuba yenzeke le nto, ngako oko kungcono ukuba wenze isicwangciso

esiza kulawula ilifa lakho ngendlela ongathanda ngayo.

Siyayazi ukuba ukugula okanye ukufa zizinto ongenakuthanda ukucinga ngazo. Ungade ucinge ukuba kuyabiza ukwenza isicwangciso selifa lakho okanye ucinge ukuba usemncinci kakhulu okanye ucinge ukuba awunazinto zininzi, xa ungasenza esi sicwangciso uyakube uqinisekisa ngeminqweno yakho ukuba usapho lwakho kunye nezinto zakho ziza kukhuseleka.

Yintoni ucwangciso lwelifa?

Ukucwangcisela ilifa yindlela yokulungiselela ukwabiwa kobutyebi kunye nezinto zakho xa ungagula okanye usweleke. Izinto ezibandakanywayo kwilifa lakho ziquka imali, i-inshorensi yobomi, imali yomhlalaphantsi, indlu, iimoto, amatyala kunye nezinto ezibalelwa ukuba zezakho.

Ngokunokwaso isicwangciso selifa singohlulwa kubini ngokwamaxesha ohlukeneyo:

Phambi kokufa

Imizekelo yezinye zezigqibo ezibalulekileyo ezimele zenziwe ngeli lixa ziquka: Umyalelo wokuba imali zakho ziza kulawulwa njani xa uthe wena awakwazi ngenxa yokugula okanye ingozi okanye ukuguga, kwaye ngubani na oza kulandela le miyalelo.

Emva kokufa

Imizekelo yezinye zezigqibo ezenziwa kwesi sigaba ziquka:

* Ukutyunjwa komntu oza kuba ngumzali kubantwana bakho abasebancinci.

* Liza kohlulwa njani na ilifa lakho kubantu abamele kukulizuza.

Ezi zezona zigqibo zibalulekileyo ezingena kuyekelwa kwimithetho karhulumente. Isicwangciso sakho selifa ke siyakukunika isiqinisekiso sokuba iminqweno yakho iyakwenzeka kanye ngohlobo oza kube ucwangcise ngalo.

Amaphepha abalulekileyo esicwangciso selifa lakho

Umnqweno wokugqibela: Incwadi yelifa yiyo eza kuxela ukuba ngubani ozuza ntoni kwizinto zakho ukuba akukho kubambisana kobunikazi okanye akukho baxhamli babhaliweyo. Okokuba uthe wenza umsebenzi omhle wokonyula abaxhamli bezinto zakho, le ncwadi yelifa ke iyakuncedisa kulwahlulo lwezinto ezibalwa ukuba zezakho. Nangona kunjalo incwadi yelifa inamasolotya abalulekileyo afana nokonyula umntu oza kuba ngumzali kubantwana bakho abaselula, ukonyula umntu uza kuqiniseka ukuba yonke imiyalelo yakho iyafezekiseka.

Zikhona ke kodwa ezinye iimeko ezingayidingiyo le ncwadi yelifa.

Okokuqala: xa ngaba ungenabantwana abancinci kwaye akunazinto zexabiso unazo okanye ungenanto ofuna ukuyishiya mntwini xa usweleka. Okwesibini unazo izinto kodwa ke zonke zingabiwa ngaphandle kwencwadi yelifa. Oku kuquka iakhawunti yemali yomhlalaphantsi nezinto ezifana nendlu kunye nee-akhawunti zebhanki okanye naziphi na izinto ezingabiwa xa sele uswelekile. Kuza kutyunjwa umntu othembekileyo ozokujonga ilifa lakho xa sele ulandulele eli, nto leyo eza kubangela ukuba kubekho ulawulo lwangasese xa sele uswelekile. Sesi sizathu ke esibangela ukuba itrust ibize kakhulu kunencwadi yelifa. Kufuneka wazi ke ukuba zininzi iindidi zeetrust kwaye umcebisi wezocwangciso lwamafa uyakukucebisa ukuba yeyiphi ekulungeleyo.

Ukuthatha amanyathelo alandelayo

Eyona ndlela ingcono yokucwangcisela ilifa lakho kukunika ingqwalasela kwizinto ongathanda ukubona zisenzeka namhlanje. Isicwangciso esiluqilima selifa lakho yeyona ndlela ebalulekileyo yokuqinisekisa ukuba izinto zakho zikhuselekile xa kungehla isithwakumbe. Imithetho karhulumente iyatshintsha rhoqo kwaye iimeko azifani, ngako oko sicebisa ukuba uthethe nomanejala weengcebiso zobutyebi ukuba akuncedise ngohambo lwakho kunye nezidingo zakho.

* UMdondolo usebenzela Inkunzi Wealth Group eMpuma naseNtshona Koloni. Qhagamshelana ne-Inkunzi Wealth Group ku 087 1600 018, okanye usithumelele i-email ku: invest@iwgsa.co.za