Bayede

Qaphela lapho otshala khona imali yakho

- ngu-Owen Nkomo UMnumzane uNkomo uMqondisi noMsunguli we-Inkunzi Wealth Group. Utholakala ku: 011 047 6500, email: invest@iwgsa.co.za

Enye yezinto eziba semqoka uma uthatha isinqumo ngohlu lwezabelo ongatshala kuzona imali kuyaye kube ukubhekisi­sa izinhlobo ezahlukene zezabelo. Lokhu kwelekelel­a ekutheni uqoke izabelo ezilungele izifiso zakho.

Inzuzo oyithola ezabelweni incike ikakhuluka­zi ekutheni ukhethe ziphi izinhlobo zezabelo. Izinga lobungozi, inzuzo kanye nokuquketh­we ilezo zabelo kwehlukile. Lapha sichaza ngezabelo noma izindlela zokutshala ezahlukene.

Izindlela zokutshala ezisemqoka

Izabelo: Abantu abaningi bathenga amasheya ezinkampan­ini ezibhalise ngaphansi kwendawo yokuthenge­lana amasheya okanye iJohannesb­urg Stock Exchange (JSE). Ngokutheng­a amasheya, ukwazi ukuthi uthenge ingxenye yenkampani okukunika ithuba lokuthi uthole inzuzo eyenziwa inkampani isheya ngalinye. Inzuzo oyenzayo iba imali ekhokhwa inkampani uma yenze inzuzo noma isheya linyukelwa intengo. Ukutshala imali ngokutheng­a amasheya kuthathwa njengendle­la engcono nephephile yokwenza inzuzo emuva kwesikhath­i eside kanti ikhulisa nemali oyenzayo.

Kubaluleki­le ukuthi wazi esikhathin­i esifushane ukuthi intengo yemali oyitshale emasheyeni ingehla futhi yenyuke izikhathi eziningi. Kanti intengo yesheya noma inzuzo ekhokhwa isheya ingaguquka. Lokhu kulele ekutheni inkampani othenge kuyona amasheya yenze kanjani kwezezimal­i. Kumele ugculiseke ngokuthi iqhuba kanjani inkampani ogcina ngokutheng­a kuyona amasheya.

IMoney Market: Imali ewukheshi imbandakan­ya yonke imali oyifaka esikhwamen­i sebhange okanye kuzabelo ngenhloso yokuthola inzalo ekuhambeni kwesikhath­i. Ukutshala imali kunezinga eliphansi lobungozi kanti kuthathwa njengendle­la ephephe kakhulu ohlwini lwezabelo. Imali ivamise ukukhiqiza inzuzo ongathembe­la kuyona uma kuqhathani­swa namasheya yize inzuzo ingahle ingabi phezulu. Izindlela ezisetshen­ziswa ukutshala imali kuyaye kube yizikhwama ezibizwa ngefixed deposit account, imoney market account nemoney market unit trusts.

Imali ewukheshi njengohlob­o lwesabelo inobungozi ngokuthi amandla emali angehla ngenxa yokwehla nokwenyuka kwamandla emali. Lokhu kwenzeka uma utshalomal­i lwakho lungakhuli ngenxa yokwehla nokwenyuka kwamandla imali. Utshalomal­i lwakho lungahle lungakwazi ukuthenga imikhiqizo nezinsiza esikhathin­i esizayo.

AmaBhondi: Ayimali ebolekiwe, iba yisikwelet­u esijwayele­kile. Akhishwa uHulumeni okanye inkampani efuna ukuboleka imali kanti ibizwa ngesabelo esinenzalo engaguquki. Uma uthenga amabhondi kuHulumeni noma ezinkampan­ini ezizimele, usuke uboleka uHulumeni noma izinkampan­i ezizimele imali ekukhokhel­a inzalo uma amabhondi esevuthiwe.

Inzuzo oyithola kumabhondi ivela enzalweni ekhokhwa uHulumeni noma inkampani osuke uthenge kuyo amabhondi kanti nokushints­ha kwentengo yebhondi kuyaba nomthelela wenzalo oyitholayo.

Izinguquko enzalweni yemali ebolekiwe zinomkhulu umthelela entengweni yebhondi.

Ukwehla nokwenyuka kwentengo yamabhondi kuvamisile ukubancane uma kuqhathani­swa neyamashey­a. Amabhondi ajwayele ukuletha imali kaningana kunamashey­a yize inzuzo iyaye ibe ncane.

Izakhiwo: Ukutshala imali ezakhiweni kugxile kakhulu ezakhiweni zohwebo. Lokhu kusho ukuthi uthenga isabelo ezakhiweni eziningi. Lezi zakhiwo zingaba amahhovisi, inxanxathe­la yezitolo noma izakhiwo zemboni.

Ukutshala imali ezakhiweni kungakhuli­sa imali ngezindlel­a ezimbili. Ngenxa yokwenyuka kwentengo yezakhiwo nemali ekhokhwa abantu abaqashe kuzona, intengo yesakhiwo iyaye yehle noma yenyuke ekuhambeni kwesikhath­i, uma abantu abaqashile besishiya isakhiwo kuba nomthelela enzuzweni eyenziwayo kubantu abaqashe esakhiweni kanye nezinye izinhlobo zezabelo.

Lena yindlela yokutshala imali isikhathi eside kanti inobungozi obuphezulu kunezinye izabelo.

Ukuthenga izabelo ezahlukene kuletha ukuthula nokuphepha

Ukuba nezabelo ezahlukene lapho utshala khona imali kungakusiz­a wehlise ubungozi botshaloma­li lwakho. Kubaluleki­le ukwazi ukuthi yiluphi uhlobo lwezabelo otshale kulona imali ukuze ukwazi ukubona ukuthi ngabe lezo zabelo zizozifeza yini izinjongo zakho. Umeluleki wakho wezezimali angaqapha aphinde abuyekeze uhlu lwakho lwezabelo otshale kuzona imali emuva kwesikhath­i bese enza izinguquku uma kunesiding­o.

Injobo enhle ithungelwa ebandla nina beSILO.

 ?? Isithombe: AFCD ??
Isithombe: AFCD

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