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Ezezimali
Yonga ibhonasi yakho
Khetha isipho sikaKhisimusi esizohlala isikhathi eside
SEKUZE kwalunga! I-payslip yakho inebhonasi yokuphela konyaka... Le madlana encane oyitholile ikunika umdlandla wokusebenzisa yonke imali onayo ebhange – kodwa ake ume kancane ucabange ngaphambi kokuthenga leyo home theatre owawukade uyifisa noma wenze isiphihli sephathi uthengele umndeni wakho izimpahla zokugqoka.
Ungenza okungcono kakhulu ngemali yakho. Ungayibeka wongele ikusasa noma uyibekele ilungu lomndeni wakho.
Abantu abayiphatha ngobuhlakani imali bayayonga. Kodwa ngokukaJanine Greeff oyimenenja yezokuxhumana kwaMetropolitan, uthi abantu abanolwazi kahle ngokonga bagcina bengasayingeni nhlobo eyokonga. Nazi izeluleko ezizokusiza ekubekeni ibhonasi yakho yokuphela konyaka. . .
l Okokuqala, zibekele umgomo wofuna ukukwenza ngemali, njengokuthenga imoto, ukushada, ukukhokhela imfundo yengane noma-ke ukhululwe wukwazi ukuthi kukhona imali oyibekile ozoyisebenzisa ezimweni eziphuthumayo.
l Okwesibili, yazi ukuthi yimalini ozoyonga ngenyanga. Uma wonga kakhulu uthola inzalo ethe xaxa okusho ukuthi beka imali ozoba namandla okuyibeka ubuye ukhokhele nezidingo zempilo yakho.
l Bheka indlela ozokonga ngayo. Ungalondoloza imali encane njalo kuma-unit trusts. Ungafaka isamba esikhulu kwi-fixed deposit ebhange noma uyifake kwi-endowment policy iminyaka emihlanu.
l Imali ozoyilondoloza iyona ezokunika isithombe sokuthi yini ongayenza ngemali yakho nokuthi uzothola inzuzo engakanani. Ama-unit trusts, ukwenza isibonelo, ayingozi kakhulu kune-fixed deposit kodwa wona mahle ngokuthi uthola inzalo enhle.
l Kungumqondo omuhle ukufuna iFinancial Needs Analysis ezinkampanini ezisemthethweni ezinika abantu ulwazi ngemali nezisezingeni leFinancial Planning Institute ubuye ufune neCertified Financial Planner. Konke lokhu esikubalile ungakuthola ezinkampanini zemishwalensi nasemabhange. Lezi zikhungo esikhuluma ngazo kumele zibhalise kwiFinancial Advisory and Intermediary Service Act kanti lolo lwazi ungaluthola kwiFinancial Services Board ngokushayela inombolo yamahhala ethi: 0800-202-087 noma 0800-110-443.
l Beka imali eyanele ezokhokhela izinyanga ezintathu kuya kwezine, ubeke nezobhekela izindleko zesikole. Uma usukwenzile konke lokho, kungenzeka usale nemali yokutenda umndeni wakho, uwukhumbuze ngekusasa elihle owuhlelele lona.
BONA ZULU – December 2006
Ngizothola malini?
 Uma wonga uR200 ngenyanga kwi-endowment policy yeminyaka emihlanu, ngokwenzalo yemali-mboleko yamanje ungathola
uR12 600. Inzalo ozoyithola ngekaR600, ebukeka incane emva kweminyaka emihlanu – kodwa uma ubheka indlela okuba lula ngayo ukusebenzisa uR200 ngenyanga unganakile uyabona ukuthi ubungeke ube naleyo mali ukuba ubungayibeki.
 Uma ufake uR12 000 kwi-fixed deposit uthola
inzalo kaR4 059
emva kweminyaka emihlanu – kodwa kuzodingeka ube nalesi samba kuqala ukuze uthole leyo nzalo. Uma ufake uR4 000 kwi-fixed deposit iminyaka emihlanu uthola inzalo ephindaphindeke kabili kuneye-endowment policy. Ungathola uR5 353 uma isiyonke kanti kungadingeka ukuba uyifake yonke ibhonasi yakho.
 Uma wonga ngama-unit trust, uthola inzalo ephindaphindeke kahlanu kuleyo obuzoyithola nge-endowment policy. Inkinga ngale ndlela wukuthi ungathola imali encane kunaleyo obuyilindele ngenxa yobungozi bokutshala imali ezimakethe zezimali.[z]
nguPATRICIA McCRACKEN
BONA – August 2005
