Kungakhuliswa imali ezinhlelweni ezahlukene zokonga
Izindlela ezintsha zokonga imali esitokofeleni sakho, ukubaluleka kokonga ngokwezidingo nezimiso zakho kuyinto eyaziwayo. Sesiside isikhathi sikhuluma ngokuthi abatshalimali abalithathi ithuba elikhona ezimakethe ukuthenga ezinhlelweni ezifana neStock Market.
Kulolu hlelo sikholelwa ukuthi inzalo iphansi, abatshalimali kumele babheke uhlelo lotshalomali oluzokhula njengokutshala ezinhlelweni ezizoletha inzuzo ephezulu.
Ngakho iseluleko sethu sithi, kubalulekile ukuthi amalungu esitokofela aqale ukubheka ezinye izinhlelo ezahlukene ezikhona ezimakethe.
Kusuka komasingcwabisane kuya ezitokofeleni
Omasingcwabisane bayingxenye enkulu kwezokulondoloza njengoba imingcwabo seyabiza imali enkulu.
Ngakho akwethusi ukuthi ama65% ezikhungo ezitshala imali ngomasingcwabisane.
Ngakho-ke kusemqoka ukwazi ukuthi izitokofela yizona ezikhula kakhulu.
Akusiyona into engajwayelekile ukuthi abantu babe ngamalungu ezitokofela ezingaphezulu kwesisodwa ezibhekelela izidingo ezahlukene. Uma isitokofela sihleleke kahle, ilungu lihlomula ngezinto ebelingeke lazithola ukube belingelona elaleso sitokofela. Lokhu kusiza kakhulu labo abangakwazi ukuthatha izinto ngezikweletu okanye baboleke imali ezikhungweni ezibolekisa ngemali.
Izinhlangano zotshalomali sezivumele abatshalimali abancane ukuba bakwazi ukungena kuStock Market. Imali yabo itshalwa kuzabelo noma ezinhlelweni ezikhona emakethe ngokwemibono yamalungu enhlangano. Lo umkhuba osuthanda ukudlondlobala njengoba ezinye izitokofela zitshala imali ezikhwameni zeBEE kanti ziyaqhubeka nokutshala imali nezimakethe kuJSE Top 40 Index.
Ama-Unit Trust
Uma amakhasimende ekhuluma ngokutshala imali avamise ukubheka inzalo, ukukhula kotshalomali noma inzuzo eyenziwa utshalomali. Abatshalimali abaningi bafuna ukuthola inzuzo zinyanga zonke, lokhu kuwumkhuba.
Ngenxa yalo mkhuba, abanye abazimisele ukutshala imali engazali inzuzo nyanga zonke.
Kepha kunama-Unit Trust alinganiselwa e-1 500 eNingizimu Afrika, lezi zinhlobo ezahlukene zilungele abatshalimali abehlukene. Ukufuna inzalo yazinyanga zonke, ungaphuthelwa ukwenza isinqumo esikulungele ngakutshalomali.
Uma izitokofela zitshala imali zikwazi ukungena ezinhlelweni ezahlukene zotshalomali kanti ziyakwazi ukushintsha uhlelo lotshalomali uma isimo siguquka.
Uma izitokofela zinquma ngohlelo ezilulungele ukutshala kulo imali, kumele ziqale zibuke ukuthi zizoyidinga nini imali, izindleko zentela nezokutshala imali.
Ama-Unit Trust ngolunye lwezinhlelo zokutshala imali ezenza kubelula ukungena emakethe kanti nentengo yakhona ayinkulu kakhulu. Imali yakho ihlangana neyabanye abatshalimali lapho abangamele utshalomali bekwazi ukuthenga khona ezinye izinhlelo zokutshala imali ezifana namaBond, izakhiwo, izabelo njalo njalo. Lokhu kulawulwa ukuthi injongo ye-Tnit Trust iyini. I-Unit Trust ihlukaniswa isigaba esisodwa besekuya ngokuthi utshala imali engakanani nokuthi ngesikhathi uthenga i-Unit Trust ibiyinani elingakanani.
Ungahlomula endleleni esiphatha ngayo utshalomali ngokutshala imali esukela kuma-R500 ngenyanga nangaphezulu kuma-Unit Trust ethu.
Uthenga ama-Unit Trust afunwa nguwe, uyazinqumela ukuthi ufuna ukuthenga nini kanjalo nesibalo sawo. La ma-Unit Trust abangawakho kuzekube uyawadayisa.
Uma utshala imali kuma-Unit Trust ethu asikho isibalo esikaliwe okumele usikhokhe kanjalo nesikhathi asinqunyiwe ngoba kuwutshalomali lwakho, ngakhoke nguwe ozinqumelayo ukuthi udinga ukuyitshala kanjani imali yakho nokuthi uyitshala nini.
Ungakwazi ukukhipha imali noma inini uma uyidinga kulolu tshalomali kanti ayikho inhlawulo oyikhokhayo ngokukhipha imali. Kuthatha isikhathi esingangezinsuku ezintathu kuya kwezinhlanu ukuthi imali yakho ingene ebhange lakho.
UMnumzane uNkomo uMqondisi noMsunguli we-Inkunzi Wealth Group. Utholakala ku: 011 047 6500, email: invest@iwgsa.co.za