Iimali eziqinisekisiweyo ziphinde zaphinda zabayenye yeempawu eziphambili ze- iimarike zemali. Emva kweminyaka emininzi ilibalekile yinxalenye elungileyo yabatyali mali abancinci nabaphakathi. Akumangalisi ke ngoko ukuba abaphathi bengxowa-mali baphethukele kwezi mveliso ezizodwa zezemali. Ukuya kuthi ga ngoku ukuba isibonelelo sangoku sotyalo mali sibandakanya uluhlu olubanzi lwe entsha iqinisekisiwe. Ukuze ngale ndlela, ubekwindawo yokwandisa ulindelo lwakho malunga nenani lezindululo onokuthi uzirhumele ukususela ngoku.
Ukuba imali yotyalo-mali eqinisekisiweyo ibonakaliswa yinto ethile, kungenxa yokuba bayakuqinisekisa umvuzo omncinci qho ngonyaka. Ngokungafaniyo nezinye iimali exhomekeke kwimeko yeemarike zezemali. Ingeniso eguquguqukayo okanye echanekileyo okanye evela kwezinye iimodeli. Ngezo ziqinisekisiweyo awuyi kuba nelahleko kwingxelo yakho yengeniso. Nangona kuyinyani ukuba imbuyekezo onokuyifumana ayinabukhazikhazi njengaleyo iveliswe kwingxowa yemveli engaphezulu okanye encinci. Le yinto ekufuneka ingabonwanga nangaliphi na ixesha.
Kungenxa yokuba iimali eziqinisekisiweyo, njengoko igama labo libonisa, zonke ezo ziqinisekiso, ziphelele okanye ngokuyinxenye, imali eyinkunzi. Kodwa ihlala inenzuzo esezantsi yomndilili emiselwe kwangaphambili ixesha elingaphezulu okanye elingaphantsi. Ngale ndlela, inzala eveliswe leli klasi leemveliso lihamba kuluhlu oluya ukusuka kwi-2% ukuya kwi-5% malunga. Zenzelwe iprofayile yomsebenzisi echazwe kakuhle. Abatyalomali abagcinayo, abanomnqweno wokugcina imali yabo abangayifuniyo imingcipheko egqithisileyo kutyalo-mali lwabo.
Uqinisekisiwe: umhla wokuphelelwa
Ukuba kukho uphawu olunye oluchaza ezi mveliso zezezimali kakuhle, kukuba banomhla wokuphelelwa. Kuba ngokwenyani, uya kufezekisa iinjongo ezilandelelweyo ukuba ugcina imali ngokwemiqathango efunekayo. Akukho mihla iqingqiweyo kodwa ngesiqhelo iyahluka phakathi kweminyaka emi-2 ukuya kwemi-5. Apho kuyakufuneka khona ukuba ube une imali engenakwenziwa. Ngokungafaniyo nezinye iimali zotyalo-mali apho unokubanakho ngakumbi ukuguqulela imisebenzi. Into ekuqinisekisiweyo ayenzeki phantsi kwawo nawuphi na umba.
Eziqinisekisiweyo, kwelinye icala, zinokungabinamali windows kwezinye iimeko. Imiselwe kwangaphambili imihla, apho umthathi-nxaxheba anokubuyisa ngokupheleleyo okanye ngokuyinxenye ngaphandle kokuhlawula ikomishini yokubuyisela. Nangona kunqabile kuchaphazela ukukhululeka okukhethekileyo okanye okupheleleyo, njengakwelinye icala kwenzeka ngedipozithi yekota. Imalunga nokufika ezantsi ukuze ufumane isibonelelo sokusebenza. Emva kwayo yonke loo nto, enye yeenjongo zabo nabaphi na abatyali mali abancinci nabaphakathi.
Iindidi zeemali eziqinisekisiweyo
Njengakwezinye iimali zotyalo-mali, unoluhlu olubanzi lweemodeli zotyalo-mali. Ngokwanelisa naliphi na ibango ngabona bagcinisi baninzi. Ewe, enye yezona zinenzuzo kakhulu zezi zivela kwi- ingeniso. Kule meko bahlukaniswe ngokusisiseko kuba ngomhla wokuphelelwa kwesiqinisekiso abaqinisekisi kuphela ulondolozo lwenkunzi yokuqala, kodwa kunye nenzuzo emiselweyo emiselwe kwangaphambili. Yinto encinci enomdla ekufuneka uyithathele ingqalelo ukusukela ngoku.
Enye yeefomathi ivela kwizabelo, nangona ibonisa uthotho lokwahluka ngokubhekisele kwimodeli yokonga yangaphambili. Ihlala ekubeni beqinisekisa kuphela utyalo-mali lokuqala, ngomhla wokuphelelwa kwesiqinisekiso. Nangona kunjalo, bavumela ukufumana inzuzo ngokusekwe kwiiasethi zemali ezi mveliso zezezimali zidityaniswe kuyo. Hayi phantsi kwepesenti esisigxina, kodwa ngokuchaseneyo, kuya kuxhomekeka kwindaleko yeemarike zezemali ezichaphazelekayo. Ngayiphi na imeko, yifomathi enoburharha ngakumbi ngokwesisombululo somsebenzi owenziweyo.
Ababoneleli ngeziqinisekiso ezipheleleyo
Kule meko ngokubanzi, awungekhe ulibale nangaliphi na ixesha ukuba, ngokubanzi, ezi mali zotyalo-mali abaqinisekisi ngotyalo-mali ngamaxesha onke. Endaweni yoko, phantsi kwesicwangciso esahlukileyo esekwe ekuhlonipheni umhla ongokuphelelwa sisiqinisekiso. Ngale ndlela, zininzi njengee-akhawunti zebhanki zekota kunemali engaphezulu yotyalo-mali yemveli. Akumangalisi ukuba ezi mali ziimveliso ezithile zezemali ezingakhange zikonwabele ukuzithemba kweemarike ixesha elide.
Kwelinye icala, kubaluleke kakhulu ukuba uphonononge imihla yokuphelelwa kwayo kunye neemeko zesivumelwano. Ukuze kungabikho ukungaqondani kunokukhokelela kwimeko engafunekiyo kwiminqweno yakho. Ukuza kuthi ga kwinqanaba lokuba ubarhumele nge Ulwazi olupheleleyo kwelakho icala. Kuba ubume bayo kunye noomatshini bakude lee kuyo yonke imali yotyalo-mali. Kunokuthiwa ngaphandle koloyiko lwempazamo ukuba ifom eqinisekisiweyo yeqela elitsha ngaphakathi kwengxowa mali.
Iikomishini eziphezulu
Kuya kufuneka uphinde ufumanise ezona zinto zimbi ekuqeshweni kwabo. Ukusuka kolu luvo, iikhomishini ezomeleleyo ezikhokelela kwesinye sezona zithintelo zibalaseleyo ekuqeshweni. Ngokukodwa kuba ezi ntlawulo zihlala zonyuka kwimirhumo kunye nokubuyiselwa kwemali kwithuba lewaranti. Ayothusi into yokuba esinye sezizathu zoku yohlwaya ukungena Ezi mali zibangelwa ikakhulu kukuba abaphathi bafuna ukunciphisa ukufikelela nokuphuma kwabathathi-nxaxheba, kodwa kunye nenkunzi.
Ukumiselwa ngokusesikweni kuyakufuna imirhumo emikhulu yemali kwaye inokufikelela kwi-3% kwezinye zeefomathi eziyilwe ngabaphathi. Esi sesinye sezizathu zokuba ekugqibeleni banokwenza ukuba ube neentloni kwezi ngxowa-mali zikhethekileyo sithetha ngazo. Kwelinye icala, iindleko zokugcina ziyafana nakweyiphi na ingxowa mali. Yinto ekufuneka uyixelele kwasekuqaleni ukuthintela isimanga sokugqibela.
Yenza ibhegi yokonga ezinzileyo
Olu didi lweemveliso zezemali luyilelwe ngokukodwa ukugcina ibhegi yokonga ixesha eliphakathi nelide. Esinye sezizathu kukuba Imali yakho eyinkunzi ikhula ngokuqhubekayo qho ngonyaka. Kancinci kancinci kodwa nokuqinisekisa ukuba inkunzi yokuqala. Nangona yonke into iya kuxhomekeka kwifomathi oyikhethileyo. Oko kukuthi, ukuba ngumvuzo oguqukayo okanye ukuba okwahlukileyo kusekwe kwingeniso emiselweyo. Ngayiphi na imeko, akusayi kubakho sicwangciso-qhinga sotyalo-mali esithelekelelayo kwindalo. Umzekelo, kuyenzeka nezinye iimveliso ezineempawu ezifanayo. Olu lutyalomali olucacileyo nolungqalileyo ongenakukwazi ukuba ngusozigidi ngalo naluphi na uhlobo.
Yeyona nto izikhuselayo okanye i-savers ekhuselekileyo ekhetha kakhulu kwezi modeli zolawulo. Phi ukhuseleko lukhona ngaphezulu kwengeniso onokuyifumana. Apho imingcipheko ilawulwa ngokugqibeleleyo ukuze ungalahlekani igalelo lakho lemali. Into engenzekiyo kwezinye iintlobo zeemali zotyalo mali. Iya kuba yenye yezinto ekufuneka uyithathele ingqalelo xa ucinga ngokungena kwizikhundla zabo. Ngaphezulu kokuthathelwa ingqalelo kobuchwephesha kwaye kwanakwindawo yokujonga esisiseko.
Yintoni omele uyigcine engqondweni?
Ukuba unqwenela ukubhalisa kuyo nayiphi na imali eqinisekisiweyo yotyalo-mali ethengiswe ngabaphathi, kuya kuba lula kakhulu kuwe ukuya kwezi zinto zilandelayo sizibhengeza ngezantsi.
- Ngokwesiqhelo olu didi lweemveliso zotyalo-mali luqinisekisa kuphela utyalomali kwi- umhla wokuphela.
- Kuyacetyiswa kakhulu ukuba ujonge ukuba ngaba imodeli ekhethiweyo inenzuzo esisigxina kunye nekhuselekileyo kwaye phantsi kweziphi iimeko. Kuya kuba kubaluleke kakhulu ukuthintela isimanga esibi.
- Kuya kufuneka uyiqeshe phantsi kwe- Ixesha lokuthengisa kwayo kuba unqabile ukwahluka iimeko zabo.
- Cinga ngezinye iikhomishini ezibanzi ngakumbi oko kunokufuna umzamo omkhulu wemali kunenye imali yotyalo-mali.
- Los iimbuyekezo lwenziwe aluyi kuba nakho ukuxhamla kwiziqinisekiso ezinolu didi lweemveliso ezinazo.
- Banesithembiso esiqhubekayo ukwanda kwiinyanga ezidlulileyo njengesiphumo senzala enkulu kwicala labatyali mali abancinci nabaphakathi.
- Eziqinisekisiweyo, ngendlela ethile, ziyimveliso efana ncam Iziphumo zengeniso esisigxina kunezo zinxulunyaniswe ngokungqongqo neemarike zezabelo.
Emva kokuyihlalutya le mveliso yemali, uya kuba kwimeko engcono yokubonisa ukuba kulungile na kuwe ukuba ube semthethweni ngelo xesha. Kwelinye icala, awuzukukhetha ngaphandle kokuqinisekisa ukuba yeyiphi iprofayili yotyalo-mali oyivezayo. Ukufumanisa ukuba ukuqesha kwakho kuya kukunceda na ukusukela ngoku. Isigqibo esiya kuxhomekeka kwizinto ezininzi eziguqukayo kwaye ayizizo zonke ezinxulumene nemeko eseleyo kwiakhawunti yakho. Ngayiphi na imeko, kuya kufuneka uthathe isigqibo ngolwazi oluninzi kangangoko. Ukuze ngale ndlela wenze iimpazamo ezimbalwa kangangoko kunokwenzeka. Iya kuba yenye yezona ndlela zisebenzayo zokugcina ikapitali yakho kula maxesha achanekileyo. Ngaba ukulungele ukubaqesha?