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Ngaba isitokfela kufuneka sibe yinxalenye yesicwangciso sakho sokugcina imali kunye notyalomali?

Isitokvel sisithuthi sokwenyani sokonga okanye ukutyala imali kwiinjongo zexesha elifutshane kunye nexesha elide. Uninzi lwabemi boMzantsi Afrika abakubudala obahlukeneyo kunye namaqela emivuzo bakhetha ukonga ngale ndlela ukuze baqeqesheke ngelixa befikelela kwiinjongo ezihlangeneyo zemali.

USifiso Nkosi, iNtloko yeZitokveli kunye noGcino lweQela (Stokvels and Group Savings) kwaFNB Cash Investments, uthi ulwazi lokusebenzisa izitokfela njengesithuthi sokugcina imali luye lwavela kakhulu kule minyaka idlulileyo.

“Ngokusuka kwimbali yeegrosari kunye nezitokfela zomngcwabo, ngoku sibona ukunyuka kwezitokfela zezindlu, ezivumele amalungu ukuba ahlawule iibhondi zawo ngexesha elirekhodiweyo, ngokwesiqhelo kwiminyaka elishumi okanye ngaphantsi kwaye kwezinye iimeko abanye bafumana izindlu zokurenta ukuze benze ingeniso ezinzileyo kumalungu.

“Izitokfela zeholide zenze ukuba ukuhamba kweli lizwe okanye kumazwe ngamazwe kube nokwenzeka. Ngelixa izitokfela zabatyalizimali zijonge kwiindidi zee-asethi ezahlukeneyo ezifana nezabelo, ii-unit trusts, ukutshintshiselana ngeemali zokurhweba (ETFs) nezinye izithuthi ukuze zivelise ubutyebi bezizukulwana ezizayo.”

NgokukaNkosi, izitokfela zizalisekisa ezinye zeemfuno umntu ngamnye anazo:

• Isithuthi sokugcina imali esakhiwe kwintembeko eqhuba uxanduva kwiqela elibanzi.

• Iqonga lokonga ukusuka kwiR50, kunye nokukwazi ukuboleka xa ufuna. Oku kuyinyani ngakumbi kumalungu angaqeshwanga ngokusesikweni kwaye angahoywayo ngamaziko emali.

• Indlela yokusebenza kwiinjongo zemali, usebenzisa iinkqubo zexabiso ezisekelwe kuluntu eziqinisekisa iinzuzo ezihlangeneyo nokukhula ngokubambisana.

Indlela esetyenziswa ngayo izitokfela zala maxesha iye yakhula ngamandla. UNkosi uyacacisa ukuba izitokfela zanamhlanje zohlulwa koogxa bazo abadala, ngokuthi bakhetha ukusebenzisa ntoni kwaye njani imirhumo yamalungu.

Oku kunokususela ekongeni okanye ekutyaleni imali kwindlu, ekuthengeni iteksi enye okanye ezininzi, ukutyala imali kwizabelo, ekwakheni igalelo lenkunzi kwishishini, okanye nasekusebenziseni iintlawulo zesitokfela ukongeza kwimali oyongele umhlalaphantsi.

USamukelo Zwane, iNtloko yezeMveliso kwaFNB Wealth and Investments uthi “Sikholelwa ekubeni ukudala ugcino oluzinzileyo kunye nenkcubeko yotyalomali phakathi kwabantu okanye amaqela adibeneyo kubalulekile ukubanceda bafezekise iinjongo zabo zezimali zexesha elifutshane okanye elide.

“Ke ngoko, sinomdla ekudaleni izisombululo zokonga kunye notyalomali eziza kunceda ukusombulula iimfuno zabathengi bethu. Sikhuthaza abantu ukuba baqinisekise ukuba abayibeki yonke imali yabo kwingobozi enye, kodwa indlela yabo yokonga notyalomali kufuneka yahlulwe ukuze bafezekise iinjongo zabo zemali ngendlela ekrelekrele.”

Amanye amaqela estokfela akwazile ukuthenga iifranchise esebenzisa imodeli yentsebenziswano, evumela amalungu ukuba abe ngabaxhasi kunye nabafumana izabelo eziveliswa ngamashishini atyale kuwo.

Kwiimeko ezimbalwa, abanye baye babandakanya ukwenza iinkampani (Pty Ltd). Imigaqo engcwele yokuthembela kunye noxanduva kwiqela ihlala ingatshintshi, kunye nokuthatha isigqibo ngendlela yokuvumelana.

“Ikamva lezitokfela liza kuqhubeka litshintsha kwaye lenziwe langoku njengoko ixesha lihamba. Sikholelwa ukuba olu tshintsho luqhubekayo kwindlela abantu abanikela ngayo inxalenye yomvuzo wabo abawusebenze nzima kwisitokofela. Luya kutsala amalungu akhoyo namhlanje ukuba athathele ingqalelo ugcino lweqela okanye utyalomali njengenxalenye yokuphumeza iinjongo zabo okanye uhambo lokudala ubutyebi besizukulwana sabo esilandelayo,” uvale ngelo uNkosi.