Yini ekuthonya ukuthi uqale ukudala isikhwama sokonga? Ngokocwaningo lwamuva nje, ziningi izimbangela ezingakushukumisela kulobu budlelwano ozoba nabo kusukela manje nezwe lemali. Enye yezinto ezivame kakhulu itholakala ku ukukhushulwa komholo emsebenzini wakho. Akuyona yodwa, ngoba futhi inethonya elibalulekile lokuthi ufuna ukuba nendawo ephephe kakhulu kusasa. Futhi kwesinye isinyathelo esiphansi amakhefu wentela aphakeme kakhulu ongaba nawo wokutshala imali yesikhathi eside ongaba nayo. Kunoma ikuphi, lezi ezinye zezizathu zokukhuthaza lezi zenzo. Ungaba nokuhluka ngokuphelele ngokuya ngezimpawu zakho.
Ngoba kuyiqiniso ukuthi ngokutshala imali amandla akho okuthenga azokhula. Kufika ezingeni lokuthi i- izinga lokuphila futhi uzokwazi ukuthola ezinye izinto eziningi ongakwazanga ukuzithola kuze kube manje. Kusukela ekuthengeni isithuthuthu kuze kukhokhele uhambo kuleli hlobo nabangane bakho abakhulu. Izinhloso zayo cishe azinamkhawulo. Yilowo kuphela obekwe kuwe ngokuzuza kwemali etholakala ekusebenzeni kwakho. Kokubili kumali engenayo engaguquguquki futhi eguqukayo ngisho nakwezinye izindlela zokutshala imali ezihlukile noma ezintsha kumqondo wazo.
Ngokwalo mbono uzoba nakho kuphela chaza izinhloso bese ubeka konke ukuhlakanipha kwakho emakethe yamasheya ukukufeza. Uma amanani eba namandla, ubukhazikhazi obuncane ongabukhokha uze ufinyelele ezinhlosweni ezingalindelekile kuze kube ezinyangeni ezimbalwa ezedlule. Kepha qaphela kakhulu, ngoba izimbuyiselo aziqinisekisiwe ngokuphelele, kude nakho. Ngoba empeleni, njengoba wazi kahle, kufanele futhi ucabangele ukuthi ungalahlekelwa yimali ekusebenzeni okwenzayo kusukela manje kuqhubeke. Lapho uthola khona imikhiqizo enolaka, izingozi ebhalansi ye-akhawunti yakho ezobheka ziyokhula. Akufanele ukhohlwe ngaphansi kwanoma yiziphi izimo.
Isikhwama sokonga: ungayithuthukisa kanjani?
Unamasu amaningi wokukhuthaza isikhwama sakho sokuqala sokonga kusuka ekutshalweni kwakho. Kusukela manje kuqhubeke unokuningi ongakhetha kukho. Kusuka ezindleleni zokutshalwa kwezimali ezinolaka ezicace bha eziya kokulingene ngokwengeziwe inhloso yazo enkulu kuzoba ukongiwa kwemali yakho phezu kokunye ukucatshangelwa. Chaza iphrofayili yakho njengomtshali-zimali omncane naphakathi futhi uzobe usesimweni esifanele ukusebenzisa noma yimuphi umugqa wesenzo okusondeza ezimakethe zezezimali.
Kuyiqiniso ukuthi ungaqala kusuka ku- i-akhawunti ekhokha kakhulu noma idiphozi yethemu. Kepha-ke le modeli ngeke ikusize uhlangabezane nezilindelo zakho zokutshala imali. Ngoba empeleni, uzokwazi ukwenza okuncane ngokubuyiselwa kokulondolozwe okungu-1%, okuyilokho le mikhiqizo yasebhange ekunika kona okwamanje. Izinzuzo ezimbalwa kakhulu zeminikelo eminingi yezomnotho futhi lokho kuzokwanelisa okulindelwe ngaso sonke isikhathi. Ngakho-ke, awukwazi ukunaka le mikhiqizo ukuze wakhe isikhwama sakho sokonga seminyaka embalwa ezayo.
Ngeke sibe khona esinye isixazululo ngaphandle kwe- imikhiqizo ephuma kokulingana. Hhayi kuphela ngokuthengwa nokuthengiswa kwamasheya emakethe yamasheya. Kepha ngezinye izinhlobo. Phakathi kwalezo ezigqamayo yizincwadi ezigunyazayo, ukuthengiswa nokuthengwa ngesikweletu noma izimali zokutshala imali ezisuselwa kule mpahla yezezimali. Uthatha izingozi eziningi nabo, yebo uyakwenza. Kepha ngasikhathi sinye uzothola umvuzo owenelisa ngokwengeziwe wezintshisekelo zakho uma konke kuthuthukiswe kahle. Kepha ukuphela kwendlela onayo ngalesi sikhathi yokuthuthukisa ukusebenza kokonga kwakho.
Phatha ukonga isikhathi eside
Uma kuyisimo sakho sokuqashwa, kungumsebenzi, okungukuthi, njengamanje usebenza kucebo lakho lokutshala imali, kufanele liqondiswe ukuphatha ukuphatha ukuze ligcine impilo yakho yonke. Noma umncane kakhulu ukuthi ungakwenza lokho ukubhekana nokuthatha umhlalaphansi. Noma kunjalo, kufanele kubhekiswe kumaphrofayili ongawethula nokuthi yiliphi izinga lempilo ofuna ukulifeza. Ukuze ngale ndlela ube nomthombo wemali ngesikhathi somhlalaphansi noma ngezehlakalo ezingase zenzeke emhlabeni womsebenzi (ukungasebenzi, izingozi, ukuncishiswa kwamaholo, njll.).
Kulesi simo, isiphakamiso sakho singasuselwa kuzo zombili izimali zokutshala imali kanye nezinhlelo zokonga ezinolaka kakhulu. Futhi uma usuvele uneminyaka engama-35 ubudala, kuzoba isikhathi esifanele sokuqasha i- Uhlelo lwempesheni oluguquguqukayo kakhulu futhi ivumelaniswe nazo zonke izimo. Kuzoba yisinqumo esifike ngesikhathi esizokuvumela ukuthi ubheke ikusasa ngokuphepha okukhulu ngeminikelo yezezimali ehlelelwe imali engenayo yangempela onayo. Ungayihlanganisa nokutshala imali kumasheya wobunzima obucishe bucane.
Izimali zokugcina
Kuzoba ngenye yezindlela ongabhekana nazo kusuka manje. Izosuselwa entweni enengqondo njengokubona kusengaphambili uhlelo lokubhuka olukuvumela ukuba ukwenze ngokumelene nezindleko ezingalindelekile nezimo. Kusuka ezindlekweni ezitholakala ekungeneleleni kokuhlinzwa kuya emaholidini owakuhlele minyaka yonke. Lapho ungeke ukhohlwe nganoma iyiphi indlela zonke izinkokhelo ongenazo lapho ulungiselela isabelomali sakho siqu noma somndeni. Kuzoba wumqondo owusizo kakhulu ukucubungula le ndlela njengomthombo wezimali zakho ezinkulu.
Kulezi zimo, ukukhetha okuhle isikhwama sokutshala imali kungenza izinto zibe lula kakhulu kuwe. Lapho izimpahla zezimali eziningana zihlanganiswa njengefomula yokonga imali yakho. Ngaphezu kwalokho, ungangeza omunye umkhiqizo wokulondolozwa. Ukuthi ikunikeza ukubuyiselwa okungaguquguquki nokuqinisekisiwe minyaka yonke. Yize kuzobaluleke impela ukuthi kukuvumela ukuthi ube nesikweletu esibalulekile sokubhekana nezindleko ezingeziwe ezivela ngalesi sikhathi.
Iminikelo ephakathi
Ngalo mqondo, inkampani yomshuwalense i-AEGON iphakamisa umbono ongaba wusizo olukhulu ukuvikela izintshisekelo zakho. Akuyona enye ngaphandle kwalowo obhekise kubaqashi nabasebenzi okufanele bavumelane ngokuthi bangayinyusa kanjani imali ezongiwayo ngokuzenzakalela okuholelwa ekudonsweni kwamaholo. Isu eliqonde kunazo zonke litholakala ngokusebenzisa ukukhuphuka okuzenzakalelayo. Ukukhushulwa komholo kufanele kube enye into yokubaluleka okukhethekile okukukhuthaza ukuthi wenze izimali zakho zokuqala. Yize kunjalo ngendlela ehleliwe nangazo zonke izinhlobo zokuhlunga ukugwema isimanga esingesihle eminyakeni ezayo.
Futhi ungakhohlwa ukuthi ngosomabhizinisi uqobo abaphethe ukusungula abanye izinhlelo zokonga umhlalaphansi. Ngokuphikisana nalesi simo esikhetheke kakhulu, i-AEGON izibophezele kosopolitiki abakhulisa izikhuthazo kubaqashi, beqeda izithiyo ekwakhiweni kwezinhlelo bese bezivulela bonke abasebenzi. Ngale ndlela ungaba sesimweni esingcono sokwenza isikhwama sokonga. Kodwa-ke, izokwenzelwa izinkathi ezinde kunokujwayelekile. Ikakhulukazi esikhathini esimaphakathi nesikhathi eside.
Ukonga ngemisebenzi eshesha kakhulu
Awuphelanga izinketho zokwakha isikhwama sokonga eminyakeni embalwa ezayo. Futhi enye yazo iqukethe ukusebenza okukhetheke kakhulu futhi lokho akuyona enye ngaphandle kwalapho kuxhunyaniswe neminikelo ye- imikhiqizo yezimali eyinkimbinkimbi. Ngaphandle kokuthi ubungozi buzohlala bufihlekile ekusebenzeni kwabatshalizimali abancane nabaphakathi. Njengesinxephezelo sokubuyiselwa okuphezulu okungenziwa yilezi zinhlobo ze-atypical ukwakha ukushintshaniswa kokonga. Impela ngeke izinze futhi izomisa ngaphansi kokuphakama nobunzima obuningi eminyakeni edlule.
Akuyona ifomula efanelekile kakhulu yokukhuthaza ukonga. Futhi kakhulu uma kunemibandela emide kangaka yokuhlala. Eyodwa kuphela iphrofayli evelele yobusha, ngamandla aphezulu okuthenga nokuqagela ukunyakaza okuqagelayo ezimakethe kuzoba yilowo ozobhalwa. Ungabeka kuphela ingxenye encane yemali oyilondolozile kuleli su elikhetheke kakhulu. Ukuze kungalimazi izintshisekelo zakho ukuthuthukisa isikhwama sokulondoloza esingazinzile.
Umshuwalense wokonga
Akudingeki ubheke amabhange ukuze uqashe amasu wokonga. Futhi i- izinkampani zomshwalense nikeza iziphakamiso zabo ezisikisela kakhulu. Phakathi kwabo lo mkhiqizo wezezimali ugqama ngesizathu esikhetheke kakhulu. Akuyona enye ngaphandle kwenzuzo eqinisekisiwe ekhiqizwa phakathi kwababhalisile bayo. Iphakeme kunaleyo yemikhiqizo yasebhange. Ngokubuyiselwa kokonga okusondele ku-3%. Ngenye yezindlela ezinenzuzo kakhulu ezivela ezindleleni ezilondolozayo. Ngengcuphe encane ezikhundleni ezivulwe ngabasindisi.
Unethuba elihle lokuthi ungathola amamodeli amaningi alezi zici. Ngamunye wabo ngeminikelo yakhe nokuthi ezimweni eziningi kufanele bayenze yilawa iminikelo eyodwa kule mikhiqizo. Kwezinye zazo zifuna kakhulu kunezinye. Le mishuwalense yenzelwe amatemu amade kakhulu, ngisho nokuthokozelwa ngesikhathi sokuthatha umhlalaphansi. Yize ungabhalisela kusukela eminyakeni engama-35 ubudala ukuze isikhwama sokonga sibe sikhulu kakhulu njalo lapho kudlula eminye iminyaka.
Njengoba kungenzeka ubonile, kunezinye izindlela eziningi onazo. Bazobe belinde wena kuphela ukuthi uthathe isinqumo ukuze imali yakho ibe sesimweni sokukhula eminyakeni ezayo yempilo yakho. Futhi ngokwengeziwe, kuzoba ngcono wena kanye neyakho.