Noma ngabe yini oyifunayo uma uthatha umhlalaphansi; ukuze impesheni yakho ikusebenzele futhi ikunike lokhu okudingayo, kumele uhlele kusanesikhathi uphinde uhlelele isikhathi esiphambili. Kunezinto ezine ezingaba nomthelela kwimali yempesheni yakho. Ukuhlela ngendlela elungileyo kusemqoka kakhulu ukuze ungene empeshenini ezokulondoloza ngokwezidingo zakho.
Ingabe unalo uhlelo lwezezimali?
Isinyathelo sokuqala sohlelo lwezezimali, siqala ngokuqondisisa izidingo zakho ngokuthi ufuna impesheni yakho ikusebenzele kanjani uma usuthatha impesheni. Uhlelo lwezezimali, lusebenza njengomhlahlandlela wokufezekisa amaphupho bakho owahlelele uma usuya empeshenini. Lokhu kungaba uhlelo lweskhashana ngokwemali ozoyidinga uma ususempeshenini, ukuhlelela intela kanye nokuhlela ukuthi umnotho wakho uzowukhulisa kanjani ukuze udluliselwe kwizizukulwane ohlele ukuba zihlomule.
Unganquma ukuya empeshenini ngaphambi kokuqeda ukukhokhela zonke izikweletu zakho; ezifana neskweletu somuzi, imali ebolekiwe okanye ukukweleta izitolo. Ngaphezulu kwalokho, ungahle ube nezingane okanye abazukulu abasadinga ukwesekwa nguwe ngokwezezimali. Kumele uqondisise umthelela walokhu uphinde ube nohlelo lokukhokha zonke izikweletu onazo uphinde ukwazi ukuqhubeka nokweseka izingane zakho ngokwezezimali.
Uzodinga malini uma usuthathe umhlalaphansi?
Lo ngumbuzo ojwayelekile ukubuzwa abahleli bezezimali. Abahleli bezezimali, bangakwazi ukuthi bakukhombise imali ozoyidinga uma uthatha umhlalaphansi noma bakubonise ukuthi ungafinyelela kanjani ekutheni uthathe umhlalaphansi ozokulondoloza iskhathi eside. Abahleli bezezimali bakholelwa ukuthi izinhlelo ziyehluka umuntu nomuntu, ngoba imali eyanele ukuthatha umhlalaphansi kumuntu ngamunye, ilele ek’theni ufuna ukwenzani uma esethathe impesheni. Noma ngabe within izinhlelo zakho bokuthatha umhlalaphansi, kungumqondo omuhle ukuthi ukubonisana nomeluleki wezezimali. Besenivumelana ngohlelo oluzofezekisa izifiso zakho uma usuthatha umhlalaphansi. Lokhu kuholela ek’theni ube nesithombe esicacile ngempeshenini yakho.
Iziphi izinhlelo ezikulungele uma usuthathe umhlalaphansi?
Uma uthatha impesheni, ungaphansi kohlelo lwe- retirement fund, okuyiskhwama sempesheni; uvumelekile ukuba uthathe ingxenye yemali ibe ngukheshi. Enye ingxenye yemali ungathenga uhlelo olubizwa nge-annuity. Loluhlelo lwakhelwe ukuthi ukwazi ukuthola imali okanye inzuzo kulesamba othenge ngaso iannuity. Ungakhetha phakathi kuhlelo olubizwa nge-guaranteed annuity noma i-living annuity. Ngesonto elizayo sizonikezela ngemniningwane ngalezinhlelo. Ukukhetha phakathi kwalezinhlelo zombili, kulele kulezi zinto ezilandelayo: The choice between the two products will be determined by various factors:
• Ngabe ufuna uhlelo oluzovumelana nesimo sakho?
• Ngabe ufuna ukuthola imali engakanani?
• Ngabe ufuna ukushiya imali kulaba obabhale ohlwini lwabazohlomula?
Ngabe usanabantwana nabazukulu abasadinga ukunakekelwa nguwe?
Uma usanabantwana abasancike kuwe ukwesekwa ngokwezezimali, kuzomele uhlele futhi uqonde ukuthi kuzomele ulondoloze imali yokuthatha umhlalaphansi kanye neyemfundo. Ukhumbule ukuthi zikhona izindlela nezinhlelo ezizokusiza ukuthi ulondolozele ukuthatha umhlalaphansi nemali yezemfundo, umeluleki wezezimali angakwazi ukukhanda indlela yokukwenza lokhu, emva kokuhlolisisa isimo sakho sempilo kanye nesimo sakho sezimali ukuze uhlelo luhambelane nezifiso zakho uma usuthatha umhlalaphansi.
Ngabe ukuhlelele ukunyuka kwentengo yemkhiqizo nezinsiza uma usuthathe umhlalaphansi?
Ngabe unolwazi ngentengo yokudla, umshwalense wezempilo, imali yokufundisa izingane zakho uma usuthathe impesheni? Ngabe ulondoloze imali eyanele elingana nezinga lempilo oyiphilayo uma usuthatha umhlalaphansi? Ukunyuka kwentengo yemkhiqizo kanye nezinsiza kuyinto enomthelela omkhulu uma kuziwa ekuhleleni umhlalaphansi. Umzekelo; intengo yesinkwa yayilinganiselwa ku R4.68 ngonyaka ka2010 kodwa manje intengo yesinkwa isiwu- R11.20.
Owen Nkomo
Chief Executive Officer
Owen is the founder of Inkunzi Wealth Group and has over 14 years of industry experience. Prior to founding Inkunzi Wealth Group he held various leadership roles at Deutsche Bank, JPMorgan Chase and Citi. He has an Honours degree in Investment Management.