Umthola kanjani umeluleki wezezimali osezingeni?
SITSHALA NONGUBENI WEZIMALI
UMELULEKI wezimali osezingeni ufana nothisha esikoleni, ukugqugquzela ukuba ufinyelele ezimisweni zakho.
Abeluleki abangekho ezingeni okanye abangenalo ulwazi olwanele, bakudayisela izinhlelo ongazidingi zokulondoloza futhi kabanandaba nekusasa lakho. Kubona, yonke into ingabo nokuthi badayisele abantu abangakanani izinhlelo zenkampani nokuhlomula ngawe.
Abantu bavamise ukuthi bafune usizo lokwelulekwa ngokwezezimali ukuze bakwazi ukuzilawula.
Abeluleki bezezimali banekhono futhi baqeqeshiwe ukukusiza wenze izinqumo eziphusile ngemali yakho. Lokhu kukusiza ukuba ufinyelele futhi uphumelele ezifisweni zempilweni yakho.
Umbuzo uthi, ngabe umthola kanjani umeluleki okunguyena yena?
Udinga umeluleki wezezimali ozimisele ngomsebenzi wakhe nonentshisekelo yokuthuthukisa amakhasimende akhe. Kumele ubheke umeluleki wezezimali ogunyaziwe. Kumele abe esigabeni sesithupha kwezokuqeqeshwa ngokweluleka kwezezimali okufana neziqu zasenyuvesi. Umeluleki wezezimali ogunyaziwe usuke ephase izivivinyo ezibheka ulwazi analo nokuthi ulusebenzisa kanjani kanti ulandela izinyathelo ezibizwa ngeSix Step Financial Planning Process ezilawulwa yiFinancial Planning Standards Board.
Udinga uhlelo lokutshala ngokulondoloza imali olucacile.
Umeluleki wezezimali kumele akubuze imibuzo ukuze acabe indlela ezokufinyelelisa ezifisweni zakho. Kungenzeka ukuthi unesithombe esicacile ngokuthi ufuna ukufinyelela kuphi kwezezimali kepha udinga ukwelulekwa ngokuthi ufinyelele kanjani lapho. Uma ungenayo imigomo, uzokwazi kanjani ukuthi kufinyelelwa kanjani empumelelweni yakho?
Umeluleki oqeqeshiwe uchitha isikhathi ekulalele akubuze imibuzo ukuze akusize ucabe imigomo yakho yesikhashana neyesikhathi eside, ukuze ufinyelele kuyona kusasa. Uyakusiza ubheke izindleko zakho ngokwekusasa olifunayo. Umeluleki wezezimali, ube esakha uhlelo lwezimali oluzokwazi ukuthi lukufinyelelise ezimfunweni zakho, aphinde aqikelele ukuthi awukhokhi intela ekhuza phezulu, aphinde akweluleke ngokuhlelwa kwefa ngoba kumqoka.
Ukubaluleka kokusebenzisa uhlelo olungenisa imali.
Umeluleki wezezimali uqoqa imininingwane ngesimo sakho sezimali. Abeluleki bezezimali abaqeqeshiwe, basebenzisa uhlelo olungenisa imali ukwakha uhlelo lwakho lwezezimali.
Uhlelo olungenisa imali luthatha isimo sakho sezimali okusona ngalesi sikhathi bese bebheka ukuthi sizolithinta kanjani ikusasa lakho, baye basebenzise iminyaka engu-85. Le ndlela ikunikeza imininingwane ngesimo sakho sezimali ngokuhlawumbisela ukuthi ungayiphila kanjani impilo oyifunayo ngokwesimo sakho sezimali nokuthi unempahla okanye utshalomali olwanele ukuthi ushiyele abangahlomula uma udlula emhlabeni nokuthi iliphi izinga lokutshala imali okumele uzibandakanye nalo.
Uhlelo lwezimali lucaba ukuthi uzophila mpiloni. Yize izimo zingeke zibe ngendlela okuhlelwe ngayo kodwa umeluleki wakho wezezimali umelwe ukubuyekeza aphinde avuselele uhlelo lwakho lwezimali ngaso sonke isikhathi. Ubudlelwano bubalulekile. Ukutshela omunye umuntu ngezezimali zakho nokwamukela usizo kumuntu oqeqeshiwe kungaba yinselelo kwabanye abantu. Yize kungekho lula ukuthi sikunike izeluleko ezinqala, kuzokusiza ukuzibuza ukuthi ngabe umeluleki wakho ukukhathalele kangakanani nanokuthi ufuna ngokweqiniso ukuthi ufinyelele emigomeni yakho futhi uzimisele ukuma nawe ngesikhathi sezinselelo. Okunye wukuthi ngabe uzimisele ukwethemba umeluleki wezezimali oqeqeshiwe ozokuphonsela inselelo endleleni obona ngayo? Isisombululo okuyisona siqhamuka uma umeluleki nekhasimende belalelana.
Uma siphetha izindleko zokusebenzisa umeluleki wezezimali oqeqeshiwe.
Umeluleki wezezimali osezingeni noqeqeshiwe, osebenza ngokuzimisela nangobuqotho uzokukhokhisa izindleko zokukusiza. Izindleko ozikhokhela umeluleki kumele zicace, uzazi futhi uziqonde ukuthi ngezani. Kumele uzizwe uthola inzuzo ngemali yakho. Ukwelulekwa ngabeluleki bezezimali abaqeqeshiwe kungenza omkhulu umuhluko empilweni yezinkulungwane zabantu. Kumele isinqumo sakho silale ekutheni, ngabe uqeqeshiwe umeluleki, indlela asebenzisana nawe ngayo, ubudlelwane eninabo kunokubheka izindleko.
Xhuma Inkunzi Wealth Group ku: 087 160 0018, noma nge-email ku; invest@iwgsa. co.za.