Enye yeenjongo onazo okwangoku kukuphuhlisa isicwangciso sokunyusa ipenshoni yakho xa umhlala-phantsi ufika. Ngale nto, awuzukukhetha ngaphandle kokunikezela ngenxalenye yomvuzo wakho inyanga nenyanga kwaye oko kuyakusekelwa kwiimfuno zakho nakwinkcitho echazwe kuhlahlo-lwabiwo mali lwakho okanye losapho. Kwimeko nayiphi na into, kuya kuba njalo enye intlawulo entsha le unayo ngoku. Ukuze kwiminyaka yakho yegolide umvuzo wakho uphezulu kunoko kucatshangelwa kwipenshini yomntu wonke.
Kule meko ngokubanzi, kucacile ukuba unokhetho oluninzi kwaye zonke zinokuthandeka kwimidla yakho ngokubanzi. Ngenxa yokuba ekugqibeleni uya kuba nengeniso ephezulu kunaleyo icingelwa yinkqubo esemthethweni ye ipenshoni yangoku. Ngale ndlela, awungekhe ulibale ukuba imibutho eyahlukeneyo yezoqoqosho ibicebisa igalelo elikhulu lomntu ngamnye eliya kuxhomekeka kwiimeko zomntu ngamnye kuzo.
Ukuze le njongo ibe nokwenzeka ekugqibeleni, akusayi kubakho sisombululo ngaphandle kokulungisa ibhegi yokonga ukusukela ngoku. Ukusuka kule ndawo yokujonga, siza kukubonisa ezinye zezisombululo onokubanika zona ukusukela ngoku. Ukusuka kwezinye izicwangciso ezinobundlobongela kwabanye abanendlela yokuzikhusela okanye yokuzigcina enesimo esinye esifanayo, esifika ngalo mzuzu wokuthatha umhlala-phantsi sikwimeko engcono yezoqoqosho kunangaphambili. Ngesi sizathu kubaluleke kakhulu ukuba wenze isicwangciso kuyo nayiphi na imveliso yemali. Ukusuka kule ndlela siza kukuveza ezinye zezona zimvo zibalaseleyo malunga noku.
Isicwangciso somhlala-phantsi: izabelo
Esi sicwangciso sinokwenziwa ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya. Ngokusasazwa kwezahlulo ezivelisa imbuyekezo ephakathi kwe-3% kunye ne-8% ngentlawulo esisigxina kunye neqinisekisiweyo minyaka le. Nokuba kwenzeka ntoni kwiimarike zezemali kwaye ngale ndlela unokukhulisa ipotifoliyo yokonga kwixesha elide. Ngale ndlela inokukunceda ukuze xa ixesha lakho lomhlala-phantsi lifika ube nengeniso eyongezelelweyo enokuxhasa umvuzo wakho woluntu. Ngentlawulo enye okanye ezimbini ezenziwa kwakuloo nyaka kwaye nakweyiphi na imeko zinokukunceda ube namandla amakhulu okuthenga ukusuka kuloo mzuzu ebomini bakho.
Kwelinye icala, awungekhe ulibale ukuba ngesi sicwangciso-qhinga siya kuba nakho ukukhetha ukhuseleko olunoxanduva lokuqhuba le ntlawulo kumnini zabelo. Inokwenziwa kwelona xabiso lilondolozayo okanye likhuselayo kwi-Ibex 35 ukuya kweyona inamandla ukuze ikwazi ukuhlengahlengiswa kwiprofayili yakho njengomtyalomali omncinci nophakathi. Ukuze ngale ndlela, kwiminyaka yegolide ungabiza a Ibhonasi ye-200, 300 okanye i-400 euro. Kuxhomekeke kwinkunzi oyityalileyo ukwenza esi sicwangciso ngokuthatha izikhundla kwiimarike zezabelo.
Ipotifoliyo yengxowa mali
Le yenye yezinto onokukhetha kuzo okwangoku ukuze unyuse umvuzo wakho ngexesha lomhlala-phantsi. Kule ndlela yotyalo-mali, unokukhetha uhlobo lweasethi yemali onxibelelanisa nayo le ntlawulo. Oko kukuthi, ukusuka kwiimarike ze-equity, ingeniso emiselweyo okanye nakwezinye iimodeli. Ngokusebenzisa iifomathi ezahlukeneyo ezithi Abaphathi bayile, kuzwelonke nakwamanye amazwe. Kule meko, into oya kuyiphumeza kukwenza ibhegi yokonga ukuze ube nayo nanini na ngalo mzuzu ubalulekileyo ebomini bakho.
Ukongeza, awunakulibala ukuba iimali zotyalo-mali zikwacinga ngokuhlawulwa kwezabelo. Zombini kuhlobo lwazo lwengeniso eyahlukileyo kunye nengeniso esisigxina kwaye kuzo zombini iimeko zinako fikelela kwi-6%. Kwaye uyakufumana ngeendlela ezahlukeneyo zentlawulo onokuzikhetha ngokuxhomekeke kwiimfuno zakho zokubonelela ngetyala ngalo kanye ixesha lokufika komhlala-phantsi. Ngesixhobo esifana kakhulu nesi ngokunxulumene nokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya, kokubini kubume bayo nakwisixa sale mali. Nangona isibonelelo singekabi sisininzi kuba yi-5% kuphela yemali yezi mpawu kubandakanya ukuhanjiswa kwale ngeniso.
Irhafu yexesha elide
Nangona abatyali mali abaninzi bengayazi loo nto, olu hlobo lotyalomali lungasetyenziselwa ukusukela ngoku ukwenza ibhegi yokonga ezinzileyo. Nangona kuyinyani ukuba phantsi kwenzuzo encinci, nangona ubuncinci iya kusebenza ukwenza ukonga kwakho kunenzuzo. Ayothusi into yokuba le yimveliso yezemali enika inzala ukusuka kwi-0,30% ukuya kwi-1,75%. Oko kuyakuya kwimali eseleyo yeakhawunti yakho yokonga kanye ngexesha lokuphelelwa kwalo, kunye nethuba onokuthi ulihlaziye ngelo xesha. Logama iyidipozithi yebhanki yexesha elimiselweyo enganyusiyo okanye yokufika ngexesha kwindalo.
Ukongeza, eli klasi leemveliso zebhanki lahlukile kuba inzala ihlala iqinisekisiwe, nokuba kwenzeka ntoni kwiimarike zezemali. Ke ngoko, kunokuba yinto elungileyo kwezona meko zinzima kwiimarike zamasheya zamanye amazwe. Kule ndlela yotyalo-mali, ungafumana esona sixa sincinci sokuba lifike nini ixesha lokuthatha ipenshoni yakho yoluntu. Ngokuthengisa okongeziweyo onokuthi wenze iminikelo yemali ehambelana neemfuno zakho zokwenyani kwaye ngokuxhomekeke kumvuzo onawo mzuzu ngamnye. Ngaphandle kokukwazi ukurhoxisa igalelo ngaphandle kokuba kwezinye iimeko bohlwaywa ngeekhomishini ezifikelela kwi-1,5%. Nangona isibonelelo singekabi sisininzi kuba yi-5% kuphela yemali yezi mpawu kubandakanya ukuhanjiswa kwale ngeniso.
I-inshurensi yokonga
Enye yezona zinto zingaziwayo ngabatyali mali abancinci nabaphakathi kwaye isekwe kwimirhumo rhoqo ekufuneka uyenzile inyanga nenyanga okanye ubuninzi babo. I-inshurensi yokonga inenzuzo enkulu yokuba ungabarhola ngexesha ocinga ukuba lifanelekile. Ngelixa kwelinye icala, ungayenza iminikelo ngendlela ebhetyebhetye kuba ungayiguqula kwixesha ngalinye. Ukuza kuthi ga kwinqanaba lokudala ibhegi yokonga xa kufika iminyaka yegolide okanye kamva.
Enye into ekufuneka uyivavanye kule mveliso ikhethekileyo yezemali kukuba ibandakanya unyango lwerhafu ilunge ngakumbi kwimidla yakho yobuqu. Kananjalo neendlela zokwenza ukuhlawulelwa kwezixa ozifunayo unyaka nonyaka okanye kwelinye ixesha lexesha. Ngaphandle kokuba unyanzelekile nangaliphi na ixesha ukuba ubhalise isixa esimiselweyo inyanga nenyanga, njengoko kusenzeka kwezinye iimveliso zezemali zeempawu ezifanayo. Ikwabonelela ngemali ephezulu xa ufuna imali kule minyaka yobomi bakho. Le yimodeli yokonga, ongenakho ukubhalisela kuphela kwiziko letyala, kodwa nangezinikezelo ezenziwa ziinkampani zeinshurensi.
Ngezindululo ezahlulwe ngokufana kakhulu phakathi kwazo kwaye kwelinye icala zixolelwe kwiikhomishini nakwezinye iindleko kulawulo lwazo okanye kulondolozo. Ngokonga lo msebenzi uquka ukuba ezinye iimveliso zolondolozo okanye zotyalo-mali zinazo, kwaye ke emva kwazo zonke ezinye iinjongo zakho ezikhawulezileyo. Kwaye banokukunceda ukwanelise iimfuno onazo ngexesha lokuthatha umhlalaphantsi phantsi kwale fomathi uyijonga njengefanelekileyo ukusukela ngoku.
Izicwangciso zepenshini
IziCwangciso zoMhlala-phantsi ziyaqhubeka nokufumana imbuyekezo eyonelisayo kuyo yonke imiqathango nakuwo onke amanqanaba. Kunyaka omnye, izicwangciso zomhlala-phantsi ezihlala ixesha elide zinembuyekezo ngaphezulu kwe-3,7%, Kwaye ingaphezulu kwe-5,6% ngonyaka kwiziCwangciso eziQinisekisiweyo. Kuyo nayiphi na imeko, iziCwangciso zeNgeniso eziGuqukayo ziyabonakala, ngenzuzo engama-9,5% kunyaka ophelileyo. Ngokomndilili, iziCwangciso zePenshini zifumana imbuyekezo ye-4,6% kunyaka ophelileyo, ekubuyiseleni ngokupheleleyo uhlengahlengiso kwiinyanga ezidlulileyo zika-2018.
Ngokubhekisele kwixesha elide, iziCwangciso zoMhlala-phantsi zoBuntu zibhalisa i-avareji yenzuzo yonyaka (inkcitho yenkcitho kunye neekhomishini) ye-3,26% kwaye, kwixesha eliphakathi (5 kunye ne-10 leminyaka), babonisa inzuzo ye-1,8, 2,9% kunye I-275,2% ngonyaka, ngokwahlukeneyo, ngokweenkcukacha zamva nje ezinikezwe nguMbutho wamaZiko okuTyala aManyeneyo kunye neNgxowa-mali yoMhlala-phantsi (Inverco). Apho kuboniswa ukuba umthamo oqikelelweyo wamagalelo kunye nezibonelelo ngo-Okthobha uya kuba: igalelo lilonke le-254,9 yezigidi zeerandi kunye nezibonelelo ezipheleleyo ze-20,3 yezigidi ze-euro, apho umthamo wegalelo lenyanga ungafikelela kwi-XNUMX yezigidi ze-euro.