Kwenzekani ngemali yakho uma ushona?
UMTHETHO olawula izikhwama zempesheni, obizwa ngokuthi yiPension Funds Act uthi abasingathi besikhwama yibo abagunyaziwe ukuba bakhiphe imihlomulo uma kwenzeka umuntu edlula emhlabeni. Laba basingathi besikhwama nakhu okumele bakwenze:
BATHOLA BONKE ABANTU
OBONDLAYO Uma kukhulunywa ngabantu obondlayo kusuke kukhulunywa ngomuntu oshade naye, izingane kanye nanoma yimuphi umuntu obalwa njengomuntu obondliwa nguwe usaphila nongadinga ukondliwa nguwe esikhathini esizayo.
BAPHENYA BAPHINDE BATHATHE ISINQUMO NGOKWABA UMHLOMULO
Abantu obaqokile ukuba babesohlwini lwabazohlomula nabo bayabandakanywa. Umuntu oqokiwe kwabalulwa ukuba naye ahlomule, imininingwane yakhe ithunyelwa kubasingathi besikhwama. Kepha ukuqokwa akusho ukuthi uzothola konke okanye ingxenye yomhlomulo.
BANQUMA NGOKUTHI ABAZOHLOMULA BAKHOKHELEKA KANJANI
Ngokwezindlela zokukhokha imihlomula - umhlomulo ungakhokhwa ngqo kosohlwini lwabazohlomula, noma ukhokhelwe oqokiwe ukuba abe ngosingatha izimali ikakhulukazi uma izingane zisencane, okanye ikhokhe kwitrust.
Yize abasingathi besikhwama benza konke okusemandleni abo ukuphothula uhlelo ngokushesha, umthetho ubanikeza okungenani isikhathi esilinganiselwa onyakeni owodwa ukuba baphothule umsebenzi. Ngesikhathi kusahlelwa uku-khokhwa komhlomulo, imali isuke ihlezi esikhwameni esiphephile.
ZININGI IZINDLELA EZIKHONA ZOKWAMUKELA UMHLOMULO KULABO ABASOHLWINI LOKUHLOMULA:
Bangafaka umhlomulo kwi- living noma guaranteed annuity.
Bangayithatha imali iyisamba (kuyaye kubanjwe intela kuleyo mali).
Bangakhetha futhi ukuba kusetshenziswe zombili izindela ezibalulwe ngenhla.
ULIHLELELA KANJANI IFA LAKHO?
Qikelela ukuba incwadi yakho yefa injengoba ufisa. Incwadi yokwaba ifa ikunikeza ithuba lokukhetha ukuthi yini okumele yenzeke efeni lakho uma usudlulile emhlabeni.
Uma udlula emhlabeni ngaphandle kokubhala incwadi yefa, imithetho yombuso yiyo esingatha udaba lwamafa akho.
Qikelela ukuthi uhla lwabazohlomula lunjengoba ufisa. Lokhu kusiza abasingethe izimali zakho ukuba bafezekise izifiso zakho uma sebenza uphenyo ngabazohlomula uma usudlulile emhlabeni.
Kubalulekile ukuba ukhulume nabazohlomula. Ingxenye yomsebenzi okumele wenziwe wukuhlela, kepha kubalulekile ukuba ukhulume nabantu okumele balwazi lolu hlelo. Kumele uqinisekise futhi ukuthi bayayazi imininingwane okumele bayikhiphe okanye bayigcwalise uma usudlulile emhlabeni, ukuze izinhlelo zihambe ngokungaphazamiseki.
Kungenzeka ukuthi unezinye izimpahla, ezinjengomuzi, kanye nezikweletu ezidinga ukukhokhelwa - umeluleki wezezimali angakwazi ukukusiza ukwakha uhlelo oluzokusiza.
*Ukuxhumana ne- Inkunzi Wealth Group sishayele ku-087 1600 018, noma uthumele i-email ku: invest@ iwgsa.co.za