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Yonge ibhonasi yakho
Zikhethele isipho seKrismesi esiza kuhlala ixesha elide
IDE YAFIKA ekugqibeleni! Leyo ke yibhonasi yokuphela konyaka . . . Le mali ikwenza ukhuthalele ukuyichitha yonk' imali onayo ebhanki - kodwa khawume kancinci uzikise ukucinga ngaphambi kokuyothenga laa home theatre system ekukudala uyinqwenela, okanye wenze ipati enkulu uthengele nosapho lwakho lonke iimpahla.
Ungenza into eza kukunceda futhi ikonwabise kakhulu ekuhambeni kwexesha ngemali yakho. Ungayibeka bucala uyongele ingomso okanye uyongele ilungu losapho.
Abantu abakwaziyo ukuyiphatha ngobuchule imali bayayityala. Kodwa umanejala wonxibelelwano kwaMetropolitan, uJanine Greeff uthi abantu abaninzi abanalo ulwazi olwaneleyo ngotyalo-mali ngoko abakucingi nje tu ukuzenzel' imali ethe kratya ngokuyityala. Nanga amacebiso okukunceda utyale ibhonasi yakho yokuphela
konyaka . . .
Qala ube nenjongo ozimisele ukuyongela efana nokutheng' imoto, umtshato, imfundo ephakamileyo yomntwana wakho okanye ukwazi ukuba unemali oyigcinileyo ukulungiselela iimeko zongxamiseko.
Yazi ukuba ufuna ukonga malini ngenyanga. Xa usonga imali enkulu ufumana imbuyekezo ethe kratya ngoko thelekisa imali enomthamo ozimisele ukuyonga nemali oza kukwazi ukuyihlawula qho ngenyanga.
Yazi indlela oza kuyonga ngayo imali yakho. Ungayityala qho ngokuhlawula izavenge ezifikelelekayo kwii-unit trust. Ungafaka isityhwentywe semali ebhanki kwifixed deposit. Kungenjalo ungayityala kwipolisi yeminyaka emihlanu.
Utyalo-mali olukulungeleyo ulubona ngokuthelekisa ubungozi ozimisele ukubuthatha ngemali yakho kwanomvuzo owulindeleyo. Umzekelo ii-unit trust zinobungozi obungaphezulu kwefixed deposit kodwa zinenzala entle.
Kuyanceda ukufuna uVavanyo lweeMfuno Zemali kwinkampani enik' uncedo lwezimali esemthethweni nekwinqanaba leFinancial Planning Institute yaye kubhetele ufune uMcebisi weZimali oQinisekisiweyo. Ungayifumana yonke le nto ingasentla apha kwiinkampani ze-inshorensi nakwiibhanki noxa nje ezinye zazo zizimele. Kufuneka zonke zibe zibhalisiwe phantsi kweFinancial Advisory and Intermediary Service Act yaye uza kulufumana olo lwazi kwiFinancial Services Board ngokutsalela inombolo yasimahla ethi: 0800-202-087 okanye 0800-110-443.
Beka bucala imali eyaneleyo yokuhlawul' iindleko zesikolo zeenyanga zokuqala ezintathu enyakeni kwaneyazo zonk' iindleko zokuqal' unyaka esikolweni. Iya kushiyeka encinci elingene ukuthengel' usapho lwakho ukutya yaye kufuneka uluxelele ukuba ulungiselela ikamva labo xa usonga imali.
BONA XHOSA - December 2006
Iza kuba yimalini imbuyekezo?
Xa usonga i-R200 ngenyanga kwipholisi yeminyaka emihlanu kwinzala yemali-mboleko yangoku ufumana i-R12 600. Izala i-R600 yaye ikhangeleka incinci le mali emva kweminyaka emihlanu yonke kodwa xa ucinga indlela oyichitha ngayo i-R200 ngenyanga ungaboni nokuba uyenze ntoni na uyabona ukuba ikwenzel' imali obungasoze ubenayo.
Xa ufake i-R12 000 kwifixed deposit ufuman' inzala ye-R4 059 emva kweminyaka emihlanu - kodwa kufuneka ube nale mali iphelele ngaphambi kokuyityala. Ne-R4 000 xa uyifake kwifixed deposit iminyaka emi-5 ikunika inzala ye-R1 353, nzala leyo ephindwe kabini kuneyepholisi. Ingxaki ngale ndlela yokong' imali kukuba kufuneka ube nale ntywenka yemali nto leyo ithetha ukuba kuza kufuneka uyithathe yonke ibhonasi yakho kungasali neyokuthenga eziny' izinto.
Xa usonga kwii-unit trust ufumana inzala ephindwe kahlanu kunepholisi. Kodwa ungalahlekelwa yimali uze ufumane engaphantsi kwaleyo ubuyilindele ngenxa yobungozi bokutyal' imali kwimalike yezimali.[x]
kubhale uPATRICIA McCRACKEN
BONA - August 2005
