Kufanele ulondoloze imali engakanani ukuze ube nomhlalaphantsi omhle?

Owona mbuzo unzima esihlala siwufumana xa sinceda abathengi ngowokuba: Ndifanele ndilondoloza malini kwimali yomhlalaphantsi? Impendulo enyanisekileyo yeyokuba kuyaxhomekeka.

Ukungaqiniseki kwempendulo yam kungababhidisa abanye abantu, ibakhokelele kukuba bakholelwe ukuba umhlalaphantsi yinto enzima engenakufezekiseka lula kwaye le nto ingabenza baphelelwe ngumxhelo wokulondoloza imali.

Nangona kunjalo, impendulo ethi kuyaxhomekeka ayiloncedo kwizigidi zabemi boMzantsi Afrika abangezongcali kwezezimali nabafuna ulwazi oluphangaleleyo.

Abaninzi bafumana umfanekiso-ngqondweni ongancumisiyo kwizicwangciso zomhlalaphantsi wabasebenzi, nto leyo ekhokelela ekubeni abantu balondoloze imali encinci kakhulu.

Isisombululo esicacileyo kule ngxaki kukuba abantu mabafundiswe ngezezimali. Okwesibini, ukulondolozela umhlalaphantsi kufuneka ukwazi ukuzibamba kuba abasebenzi abaninzi bayafuna ukulondoloza kakhulu kodwa baswele amandla.

Isicwangciso sokulondolozela umhlalaphantsi sabasebenzi:

Njengoko abaqeshi batshintsha ukusuka kwisibonelelo se-defined benefit kwizicwangciso zegalelo ezichaziweyo, abaqeshwa bayalwamkela uxanduva oluninzi lokwenza izigqibo malunga nokuba bangalondoloza kangakanani.

Kwinkxasomali ecacisiweyo, umqeshi uqinisekisa ukuba sikhona isixa semali esiza kuzuzwa ngumsebenzi. Ngokuchasene noko, kwindawo echaziweyo yenkxaso, imali yakho yomhlalaphantsi yokugqibela ixhomekeke ekusebenzeni kwexabiso eliphantsi kweasethi kwingxowamali yakho yomhlalaphantsi.

Kulula ukulondoloza ingakumbi ukuba umqeshi wakho ukufaka kwisicwangciso somhlalaphantsi. Kuqheleke ukuba umhlalaphantsi uqale ngokubeka ecaleni isithandathu ekhulwini zeengeniso zabasebenzi kunye nomqeshi afake eyakhe i6%.

Nangona kunjalo, incinci kakhulu loo mali. Abambalwa abaqeshi banomlinganiselo ophezulu kunamashumi amathathu ekhulwini, ngoko kunzima ukwazi ukuba umda ophezulu ungakanani.

Uphando olusanda kwenziwa ludandalazise ukuba abasebenzi bangakwamkela ukuzuza iipesenti ezilishumi elinesibini.

Ingxaki enkulu kumalungiselelo omhlalaphantsi womqeshi kukuba abaqeshwa bathatha inxaxheba kwizinga eliphantsi kakhulu, kubonakala besonga ngaphantsi kwezinga lokugcina imali yokuphila.

Umlinganiselo wokulondoloza umjikelezo wobomi, uqikelela ukuba abantu bazama ukulinganisa umgca wokuphila kwimivuzo abaphila ngayo. Abasebenzi abaninzi balondoloza ngaphantsi komyinge wokujikeleza ubomi ngenxa yezizathu ezahlukahlukeneyo. Kungenxa yokuba kunzima ukufumanisa izinga lokugcina imali, kwanomntu ololongelwe ukusebenza ngezezimali.

Londoloza kumyinge ophakathi kwe13 ukuya kwi15 ekhulwini womvuzo wakho.

Ukuba ukhangele umgaqo osisiseko, ubuncinane lishumi elinesithathu ekhulwini.

Esi sikhokelo sibala iminikelo yomhlalaphantsi evela kubasebenzi kunye nabaqeshi. Umsebenzi olondoloza iipesenti ezisibhozo zemali yakhe ifikelela kwiipesenti ezilishumi elinesithathu ukuba inkampani yakhe inika isihlanu ekhulwini.

Nangona kunjalo, ukunikela ngeepesenti ezili13 ukuya kwi15 ekhulwini kwingxowamali yomhlalaphantsi kunokuba akunangqiqo kubaqeshwa abanezinye izinto ezibalulekileyo.

Xa usemncinci, oku kuquka ukuhlawula phantsi kwetyala lomfundi kunye nokwakha ingxowamali yengxakeko. Xa usukhulile, umnqweno oyintloko kufuneka uhlawule umxhesho wakho, kuba kwenza umhlalaphantsi ungabizi kakhulu.

Abaqeshwa abaninzi bangabandakanyeka ngaphaya komgangatho wenkxaso oqeshwe ngumqeshi wabo? Emva kokuba abasebenzi basebenzise inqanaba elithile lokufumana imali engenayo, baqhele ukujonga ukunciphisa kwinqanaba lemivuzo njengelahleko.

Ngoko ke kulindeleke ukuba abasebenzi banganako ukunyusa igalelo labo kwisikhwama somhlalaphantsi, kuba abafuni ukucutha kwintlawulo eya ekhaya.

Mayixhomekeke ekubeni urhola malini.

Imali oyirholayo iyakunika umhlahlandlela wokuba uza kutyala malini uzalisekisa iinjongo zakho. Kungenzeka ukuba ukulondolozela umhlalaphantsi ayonto ibalulekileyo kwizicwangciso zakho.

Mhlawumbi ucinga ngokuthenga indlu, uqale usapho, ukhenkethe ilizwe, okanye unezinye izicwangciso. Zonke ezi njongo zifanele ziphume emvuzweni wakho, ngako oko ukuhlela izinto ezibalulekileyo kubalulekile.

Akukho ndlela yokuchaza ngokuchanekileyo iimfuno zakho zomhlalaphantsi kuba akukho mntu olaziyo ingomso lakho.

Nangona kunjalo, iingcamango ezifundiswe ngokusekelwe kwiinkcukacha zembali zivelisa iithagethi ezicacileyo. Nenjongo yokugcina i16% yomvuzo wakho wonyaka xa useneminyaka yokuqala.

Ukuba wenza iR350 000 ngonyaka, gcina iR56 000 ngonyaka okanye malunga neR4 666 ngenyanga.

Umsebenzi onzima? Ingayiyo. Ukuba umqeshi wakho uhambelana neminikelo yakho, ukuba R4 666 ingaba yiR2 333 ngenyanga (okanye iR27 996 ngonyaka).

Mayixhomekeke kwisini sakho:

Abaninzi abacebisi ngezezimali ngamadoda, ngoko ke ishishini locwangciso lwezemali lugqibelele kwimirholo yamadoda, iindlela zokufunda, izinto ezikhethiweyo kunye nezokuphila ekuthatheni iingcinga ngekamva.

Nangona kunjalo, akukho nto ifanayo ifanele yonke indlela yokutyala imali yamadoda okanye abafazi. Ukongeza koko, abafazi banokuphila ixesha elide kunamadoda. Asinakusebenzisa ukucwangciswa okufanayo komhlalaphantsi kwamadoda nabasetyhini.

Omnye ummandla onokufumana ingqwalasela encinci kwaye enokuba nefuthe elikhulu ekucwangciseni umhlalaphantsi ngumgca wokutyalwa kwesini.

Isimo somhlalaphantsi sendoda kunye nomfazi, bobabini abaneminyaka engama30 ubudala kunye nabaneBachelor’s Degree, abafumana enye kunye nokutyala imali i10% yabo yemivuzo, baya kuba neengxowmali ezahlukeneyo zemali kwiretirement.

Ingakanani oyifumanayo ikubonisa ukuba ungayisebenzisa njani imali kwiinjongo zakho – kwaye oku kwahluke kakhulu kubafazi kunye namadoda phezu kwemisebenzi yabo.

Londoloza kangangoko unako:

Enyanisweni ukubeka imali ngaphandle komhlalaphantsi akonelanga. Kufuneka uqonde kwaye ucinge iingcamango ezifanelekileyo xa usakha isicwangciso sakho somhlalaphantsi ngoko kuthethwa ngeemfuno zakho.

Unokusebenzisa ngokunjalo umnikelo wakho ohambelana nomqeshi. Ukuba umqeshi wakho uhambelana nomnikelo wakho wesikhwama somhlalaphantsi, wujonge njengemali yamahala.

Utshintsho olusuka kumchithi ukuya kumgcini luqala ngokusetyenzwa kwengqondo yakho, ngoko ke kufuneka ujonge ukulondoloza njengomvuzo kunokuba wohlwaywe.

Yenza uhambo lwakho ekudaleni ubutyebi lula kakhulu. Kwi-Inkunzi Wealth Group, enye yeenjongo zethu eziphambili kukubamba isandla sakho ngexesha lohambo lwakho lwezezimali.

Siyaqonda ukuba xa kufikelelwe kwisicwangciso sokuthatha umhlalaphantsi, uxolo lwengqondo lubaluleke ngaphezu kwayo nayiphi enye.

Qhagamshelana ne-Inkunzi Wealth Group ku-087 160 0018, okanye invest@iwgsa.co.za.