Uchithe ubomi bakho usebenza nzima kwaye uqinisekisa ukuba uzicwangcisele kakuhle ukuba ngolunye usuku ungathatha umhlalaphantsi ngokukhawuleza. Kukho iindlela ezininzi zokuqwalasela xa uthatha umhlalaphantsi kodwa omnye uya kufuneka azibonele iimeko zakhe kunye neemfuno ngaphambi kokubonelela ngesisombululo sokugqibela.
Njengombuzo wakho, ndiphendule ngesiseko sokuba le ngxowa yepenshini kwaye ayikho ifundent fund, njengoko imithetho yale mali ihlukile. Ngaphandle kokwazi ixabiso lengxowa yakho yomhlalaphantsi, kunzima ukunika impendulo eqondileyo, njengoko kumhlalaphantsi kukho izigqibo ezibalulekileyo ezifuneka ziqwalaselwe:
* Ngaba uya kuthatha isabelo semali esivumelekileyo?
* Leliphi uhlobo lokuhlawula olufanelekileyo kwiimfuno zakho? Ngokomthetho weNgxowamali yePenshini, umntu ngamnye unokurhoxisa enye yesithathu yemali yokuthatha umhlalaphantsi ngexesha lokuthatha umhlalaphantsi ngemali, eliya kubhatalwa ngolu hlobo lulandelayo: Qaphela oku kulandelayo ngokubhekiselele kwinxenye yerhafu yomhlalaphantsi:
* Isabelo serhafu yeR500 000 sivumelekile kuphela emva komntu ngamnye;
* Ukuba urhoxise kuyo nayiphi na imali yokugcina imali yengxowa ngaphambi kokuba, okanye emva kokuthatha umhlalaphantsi kuya kuba nefuthe kwiR500 000 yenxalenye yerhafu;
* Ukuba uthathe ipakethi yokuxutha oku kuya kuba nefuthe kwisabelo serhafu;
* Nayiphi na iminikelo engatsalwayo kwingxowamali yomhlalaphantsi / ipensheni yomhlalaphantsi inokunyusa isabelo sakho sokungabikho kwentlawulo ngexesha lomhlalaphantsi;
* Ukuba wenza ukutshintshwa okupheleleyo kwindleko yakho yokuthatha umhlalaphantsi kwi-annuity ayikho impembelelo yerhafu. Izibini ezithathu eziseleyo (okanye ixabiso elipheleleyo ukuba ungayithathi imali evumelekileyo yemali) iya kufuneka isetyenziswe ukuthenga i-income generating annuity. Kukho iintlobo ezimbini zonyaka:
Inkcazo ekhoyo
* Ngomvuzo ochanekileyo, uya kunika imali yengxowamali yakho kwinkampani yokuphila yotyalomali, leyo iqinisekise ukuhlawula imali engenayo yenyanga ehlawulwa yile ntlawulo. Inkampani yotyalomali iya kuthathelwa ingqalelo izinto ezimbalwa, ezifana nobudala, kwaye iya kugqiba umvuzo wokuhlawula ubomi bakho bonke.
* Ubomi bokuhlawula buhlawulela okanye buza kubakho ubomi obudibeneyo, kuxhomekeke ekukhetheni okwenziwe ekuqaleni.
* I-downside, nangona kunjalo, ukuba inkokhelo yokuhlawulwa kwemali xa usweleka okanye ukufa kokubambisana kunye nenkampani yobomi bokotyalo-mali igcina inkunzi.
* Emva kokubanjiswa kwenkcazo yobomi oku akunakutshintshwa kwithuba elizayo.
Iminyaka yokuphila
* I-annuity ephilayo iyindawo yesicwangcisomali esisetyenziselwa ukuthembela kweyunithi apho imali ‘yomhlalaphantsi’ yomntu isetyenzisiwe kwiipotifoliyo zeeyunithi ezihlukeneyo kunye nentlawulo yerhafu ithatyathwa kwipotfoliyo.
* NgokoMthetho weNgxowamali yePenshini, inqanaba lemali engenayo livumelekile libekwe phakathi kwe-2.5% kunye ne-17.5% yerhafu yenkunzi ngonyaka. Ingeniso ingabhatalwa rhoqo ngonyaka, ngekota okanye ngenyanga, kuxhomekeke kwiimfuno zakho.
* Uza kuvunyelwa kuphela ukutshintsha amanqanaba akho okuchitha kanye ngonyaka wesiganeko sokutsalwa kwemali.
* Umngcipheko oqondakalayo kukuba ukuba umntu ufumana ingeniso, uthi, i15% ngonyaka kwaye utyalomali lukhula ngo10% kuphela ngonyaka kwaye inkunzi iyakukhukhuliseka. Ukukhukuliswa kwengxowamali kuya kubangela ukunciphisa umvuzo, okanye ukugqitywa kokugqibela kotyalomali.
* Ukuba umntu uthatha ingeniso ye10% kwaye utyalomali lukhula ngo15%, ngoko utyalomali luyaqhubeka lukhula ngo5% ngonyaka ngaphezu kwerenti efunyenweyo. Yikhumbule ukuba ingeniso iya kukhula ngokufanelekileyo, njengoko iyipesenti yebalance.
* Ingeniso efunyenweyo ingahlawulwa irhafu ngokwetafile zerhafu.
* Xa usweleka, inkunzimali esele ihlawulwa kubaxhamli abakhethiweyo.
Ezinye izinto ezibaluleke kakhulu:
* Ingaba unabo oxhomekeke kubo?
* Ingaba uxhomekeke nokuba kubani?
* Ufuna ukulungelelanisa kangakanani na?
* Ubuninzi (ixesha elide ulindelwe ukuhlala ngalo).
Ngoko, yeyiphi into efanelekileyo yokukhetha? Ewe, oku kuya kunikwa kuphela emva kokuhlalutya kweemfuno zeemali ezifanelekileyo. Ezi zezinye zezinto ezifuneka ziqwalaselwe xa kutyalwa imali yokugcina imali. Kunconywa ukuba ungene kumnxeba nomcebisi wezezimali oza kubandakanya uhlalutyo olufanelekileyo lwezocwangciso kunye nokunikezela isisombululo esifanelekileyo ukuhlangabezana neemfuno zakho.
Nxulumana nabakwa-Inkunzi Wealth Group ku 087 160 0018 okanye nge-imeyili ku invest@iwgsa.co.za
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