Ukwakha umnotho kudinga ukuthi kungene imali njalo

SIKHULA NGOMNOTHO

AKE ucabange nje kuthiwa unomshini wokukhanda imali. Ungayisebenzisa kanjani? Ungabelana yini nabanye abantu bomndeni noma abantulayo? Kuyiphupho labantu abaningi ukuba nemali engapheli. Abanye baphupha ngokuwina i-lotto becabanga ukuthi impilo yabo ingashintsha. Inkinga wukuthi izigidi ze-lotto ziyaphela uma lungekho uhlelo lokuthi ziqhubeke zande. Nomshini wemali ungadinga amaphepha, u-inki nokunye kokwenza imali. Ngaphezu kwalokho kungafanele uwuqaphe ngeso lokhozi ngoba ngeke ziwuyeke izinswelaboya.

Iqiniso wukuthi asikwazi ukuba nomshini wokukhanda imali, wuhulumeni kuphela owengamele ukwenziwa kwayo. Kodwa-ke akuwona umshini esiwudingayo kepha sidinga izindlela zokufaka imali. Indlela esobala yikhona ukuqala ibhizinisi nokutshala imali ukuthi yenze enye inzuzo. Kubalulekile lapha ukugcizelela ukuthi akulona nje noma yiliphi ibhizinisi esingalifanisa nomshini wokukhanda imali. Okunye ukuthi leli bhizinisi kufanele lifake imali ngendlela efanayo njalo, lokhu okubizwa ngeannuity income. Isibonelo kungaba yibhilidi eliqashwe amabhizinisi akhokha irenti njalo ngenyanga. Kungaba umshini noma imoto yokusebenza eqashwe yinkampani enkulu ekhokha njalo ngenyanga. Okubalulekile wukuthi kube nemali okunesiqiniseko ukuthi izongena njalo emuva kwesikhathi esithile. Akudingekile ukuthi kuze kube yimali efanayo njalo kodwa uma nje kunesiqiniseko sokuthi izongena. Nakhona ekutshaleni imali ungakhetha ukuthi kube nenzalo oyithola njalo yize ivame ukuba ncane. Ngokwandisa izindlela zokufaka i-annuity income ngeke kwahluka ekutheni unomshini wemali.

Okufanele sikuphenyisise wukuthi sikwazi kanjani ukuzakhela izindlela zokuthi kulokhu kungena imali. Impendulo elula wukuthi kufanele sithenge izinto ezizofaka imali njalo. Umbuzo osalayo wukuthi sizithenga kanjani? Kukabili, okokuqala wukuthi ube nesamba semali uthenge ngaso impahla yokwenza imali. Okwesibili wukuthi uhlanganyele nabanye abantu nithenge izinto. Ithuba elivamile njengamanje wukuthenga izindlu noma amafulethi eduze kwamanyuvesi ukuze kuqashe abafundi. Ilinganiselwa ku-300 000 kuya ku-500 000 imibhede eshodayo emanyuvesi nezinye izikhungo eziphakeme zemfundo. Yevile kuR1billion ngonyaka imali engenziwa kulo mkhakha. Kulindeleke ukuthi bande abafundi abazokhetha ukuhlala eduze namanyuvesi ngenxa yemfundo yamahhala eyamenyezelwa uhulumeni. Lokhu kwenza ukutshala imali kulezi zakhiwo kube yithuba elihle le-annuity income. Sezikhona-ke izinkampani zokutshala imali ezihlanganisa abantu ukuze bafake kuleli thuba. Ezinye zalezi zinkampani ze-property syndication zibhaliswe kwiJSE lapho zibizwa ngamaREITs kanti ezinye zizimele.

Ngeke ngapheza-ke ukuxwayisa abantu ukuthi akuzona zonke izinkampani eziqondile. Lokhu kusho ukuthi kufanele siqaphele njalo uma sifuna ukutshala imali ngoba amathuba okwenza imali abiza amaqola. Akufanele kodwa sigweme amathuba okuzakhela umnotho ngenxa yalokho.

Okuhle ngokutshala imali ngokuhlanganyela wukuthi awudingi ukuthi uze uyeke umsebenzi. Okunye wukuthi uyakwazi ukuzikhethela ukuthi le mali oyithola njalo uyayithatha noma uphinde uyitshale. Kodwa ayikho inkinga uma unezinhlelo eziphusile ofisa ukuzifeza ngemali yenzalo, kungabi nje ukuyichitha.

Okunye okuvamile ngokuthenga izindlu uqashise wukuthi uyakwazi ukuboleka imali ebhange bese usebenzisa irenti ukukhokha njalo ngenyanga. Lokhu kudinga ukuthi ube nobudlelwane obuhle nebhange futhi kube nemali oyibekile yokuhlephula neyokukhokhela ukubhaliswa kwendlu egameni lakho. Kufanele ucabange futhi ukuthi uzokhokha ngani ngesikhathi bengekho abaqashile. Yize kungelula njengoba abaningi becabanga kodwa kunenzuzo uma usufundile. Ungenza into efenayo ngokuthenga amaloli aqashwe emafemini noma ezinye izinto bese ukhokhela ibhange ngemali yerenti. Akusho ukuthi kufanele uzame wedwana kodwa ungahlangana nabanye nenze into efanayo.

Ukuphupha ngokuba nomshini wokukhanda imali noma ukuwina izizumbulu akuyona indlela yokuhlela ukuzakhela umnotho. Kodwa izinto ezifaka imali njalo ngenyanga ungazisebenzisa ukuzakhela umnotho ngesikhathi uqhubeka neminye imisebenzi. Ngisho noma ngabe unemisebenzi ekufakela isamba kuyasiza ukuba nemali engenayo njalo noma ngabe incane. Inhloso kufanele kube wukuthi izinto zifaka imali eyanele ukubhekana nezidingo zakho wena ungayithinti imali oyiholayo. Kungenjalo ungaqhubeka uyitshale imali yerenti ukuze yenze inzalo noma ithenge okunye ngokuhamba kwesikhathi.

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