Incazelo mayalena nezinhlobo ezehlukene zezabelo

SITSHALA NONGUBENI WEZIMALI

ENYE yezinto eziba semqoka siyi-Inkunzi Wealth Group uma sithatha isinqumo ngohla lwezabelo ongatshala kuzo imali kuba ukubhekisisa izinhlobo ezahlukene zezabelo. Lokhu kulekelela ekutheni siqoke izabelo ezilungele izifiso zakho.

Inzuzo oyithola kwizabelo, ilele ekutheni ukhetha ziphi izinhlobo zezabelo. Izinga lobungozi, inzuzo nokuqukethwe yizabelo kuhlukile. Lapha sichaza ngezabelo ezahlukene . Zine izinhlobo zezabelo: Izabelo noma amasheya: Abantu abaningi bathenga amasheya ezinkampanini ezibhalise ngaphansi kwe-Johannesburg Stock Exchange. Ngokuthenga amasheya, ukwazi ukuthenga ingxenye yenkampani, lokhu kukunikeza ithuba lokuthi uthole inzuzo eyenziwa inkampani isheya ngalinye. Inzuzo oyenzayo, iba imali ekhokhwa inkampani uma yenze inzuzo, phecelezi, ama-dividends noma isheya linyukelwa intengo. Ukutshala imali ngokuthenga amasheya, kuthathwa njengendlela engcono nephephile yokwenza inzuzo emva kwesikhathi eside kanti ikhulisa nemali oyenzayo.

Kubalulekile ukwazi ukuthi eskhathini esifishane, intengo yemali oyitshale kumasheya ingehla yenyuke izikhathi eziningi. Kanti intengo yesheya noma inzuzo ekhokhwa isheya ingashintsha.

Lokhu kulele ekutheni inkampani othenge kuyo amasheya yenze kanjani kwezezimali.

Imali: Imali engukheshi, ibandakanya yonke imali oyifaka esikhwameni sebhange okanye kwizabelo ngenhloso yokuthola inzalo ekuhambeni kwesikhathi.

Ukutshala imali, kunezinga eliphansi lobungozi kanti ithathwa njengendlela ephephe kunayo yonke kuhla lwezabelo. Imali ivamise ukukhiqiza inzuzo ongathembela kuyo uma kuqhathaniswa namasheya yize inzuzo ingahle ingabi phezulu.

Indlela esetshenziswayo ukutshala imali, kuyaye kube sezikhwameni ezibizwa ngama-fixed deposit account, money market account ne-money market unit trusts.

Imali engukheshi njengohlobo lwesabelo lunobungozi ngokuthi amandla emali angehla ngenxa yokwehla nokwenyuka kwamandla emali, phecelezi i-inflation. Lokhu kwenzeka uma utshalomali lwakho lungakhuli ngenxa yokwehla nokwenyuka kwamandla emali.

Bonds: Ama-bonds ayimali ebolekiwe, iba isikweletu esijwayelekile. Ama-bonds akhishwa nguhulumeni okanye inkampani efuna ukuboleka imali kanti ibizwa ngesabelo esinenzalo engaguquki.

Uma uthenga amabonds kuhulumeni okanye izinkampani ezizimele, usuke uboleka uhulumeni noma izinkampani ezizimele imali, ekukhokhela inzalo uma amabonds esevuthiwe.

Inzuzo oyithola kwi-bonds ivela kwinzalo ekhokhwa uhulumeni noma inkampani osuke uthenge kuyo amabonds, kanti nokushintsha kwentengo ye-bond kuyaba nomthelela wenzalo oyitholayo.

Ama-bonds ajwayele ukuletha imali kaningana kunamasheya yize inzuzo iyaye ibencane.

Izakhiwo: Ukutshala imali kwizakhiwo kugxile kakhulu kwizakhiwo zohwebo, lokhu kusho ukuthi uthenga isabelo kwizakhiwo eziningi. Lezi zakhiwo zingaba amahhovisi, inxanxathela yezitolo noma izakhiwo zezimboni.

Ukutshala imali kwizakhiwo kungakhulisa imali ngezindlela ezimbili: Ngenxa yokunyuka kwentengo yezakhiwo kanye nemali ekhokhwa abantu abaqashile kwizakhiwo, intengo yesakhiwo iyaye yehle yenyuke ekuhambeni kwesikhathi, uma abantu abaqashile behamba kwisakhiwo kuba nomthelela enzuzweni eyenziwayo kubantu abaqashile kwisakhiwo kanye nezinye izinhlobo zezabelo. Le indlela yokutshala imali isikhathi eside kanti inobungozi obuphezulu kunezinye izabelo.

UKUTHENGA IZABELO EZAHLUKENE ZILETHA UKUTHULA

Ukuba nezabelo ezahlukene la utshala khona imali kungakusiza wehlise ubungozi botshalomali bakho. Kubalulekile ukwazi ukuthi iluphi uhlobo lwezabelo otshale kulo imali ukuze ubone ukuthi ngabe lezi zabelo otshale khona imali, zizozifeza izinjongo zakho.

Umeluleki wakho wezezimali angaqapha aphinde abuyekeze uhla lwakho lwezabelo otshale kuzo imali emva kweskhathi, bese enza izinguquko uma kunesidingo.

Uma kukhona enifisa ukukubuza mayelana nokutshalwa kwezimali noma ukwelulekwa kwezokuthatha umhlala phansi, ningaxhumana nathi kule mininingwane, eThekwini, 087 160 0017, eGoli 087 160 0018, kwi email, invest@iwgsa. co.za, noma nge SMS ku 0825723214.

Inkunzi Wealth Group igunyazwe ngokomthetho kwezokutshalwa kwezimali.