Abantu baseNingizimu Afrika kumanje bakwazi ukukhipha noma ukuthutha imali yempesheni uma besula emsebenzini, bethatha umhlalaphansi noma bephelelwa wumsebenzi. Nokho izingxoxo ezintsha ngokuvumela ukuthi abantu bakwazi ukuthola ingxenye ethile yempesheni yabo kungenzeka ukuthi yenze abantu bazi kangcono ngemali abayongele umhlalaphansi.
Lezi zinguquko sekuneminyaka ecela kweyishumi zisezithebeni kepha sezibuye ngamandla ngemva kokuthi ubhubhane i-coronavirus lushaye umnotho, lwakhuphula izinga lokungasebenzi kwabantu okuqophe umlando. Loku kuholele kwikhwelo lokuthi uhulumeni uxegise imigomo yempesheni, okuyigxathu elingaba nemiphumela emibi kwezenhlalo nezomnotho uma impesheni iphathwa ngesinxele noma ibhubhudlwa.
Nokho ngisho lezi ziphakamiso zingavunywa kwi-Medium Term Budget Policy Statement ekuqaleni kukaNovemba kepha izinguquko zingaze ziqale ukusebenza maphakathi no-2022.
Ukuthola imali okuhlongozwayo kusho izinto ezinqala ngenxa yokuthi kubantu baseNingizimu Afrika abaningi abaholayo imali abayongele impesheni nemihlomulo yomshwalensi abayithola ngomqashi kuvame ukuthi kube ngukuphela kwemali abayongile nomshwalense abanakho. Imali yomhlalaphansi iyindlela enkulu uHulumeni akhuthaza ngayo ukongela umhlalaphansi ngokuthi ibe nomhlomulo wentela.
Okwenza loku kube nzima wukuthi kumanje abantu abasebenzayo bavele bonga imali encane kakhulu futhi engawenele umhlalaphansi. Loku ikakhulu kungenxa yomkhuba ovamile wabantu abasebenzayo wokuthatha imali yabo abayongele impesheni uma beshintsha umsebenzi ukugqiba imigodi yezinkinga zemali.
I-COVID-19 iqhakambise isidingo sokonga kakhulu ukuzivikela ebunzimeni bezimali ngezikhathi eziphuthumayo negebe elikhulayo lokongela umhlalaphansi. Nokho uJanine Horn, umeluleki wezimali waseMomentum, uthi: “Uma kuyinto egqugquzela indlela engalungile yokonga, kungaba nemiphumela emibi kumalungu avele ongela umhlalaphansi kancane. Ngaphezu kwaloko kungathwalisa kanzima uhlelo lwezimpesheni lwezwe lonke, kunciphise imali etshalwe ekuthuthukiseni umnotho.”
Kuvame ukuba nzima kubantu ukuhlelela ingomuso, ikakhulukazi ngenxa yezinselelo zomnotho esibhekene nazo mihla namalanga. Ukonga phakathi kwamaphesenti awu-15 kuya kwawu-20 omholo wanyanga zonke kungabukeka kunzima uma kubhekwa izindleko zansuku zonke kodwa ukonga manje kuyothela izithelo ngomuso. NgokukaNks Horn, bangamaphesenti ayisithupha abantu baseNingizimu Afrika abakwazi ukuqhubeka baphile impilo esezingeni akade beyiphila ngaphambi kokuthatha umhlalaphansi.
“Ukwandisa imali oyongayo nokuba nemali eyenele uma usuthatha umhlalaphansi kuhambisana nempumelelo yakho,” kusho uNks uHorn. Ngokuvama ukucubungula nokushintsha imali oyitshalile, ungakwazi ukuqinisekisa unako konke okudingayo uma usuthatha umhlalaphansi, ufeze amaphupho akho.
‘Ngokuba nobudlelwano nangokwakha ubudlelwano obuhle nemali nokuqinisekisa ukuthi ugxila ekongeleni ikusasa esikhundleni sokunaka ubumnandi bamanje, ungafinyelela emgomweni wakho wezimali, wakhe inqolobane esikhundleni sokuthi imali iphume ingene kwi-akhawunti yakho.
Izinjongo zakho zokonga zamanje nezangomuso zihambisana negama lakho yikona okucacisa uhlobo lokutshala imali okuhambisana nezidingo zakho. “Umeluleki wezezimali osemthethweni ngeke nje agcine ngohlelo lokonga oluhlelekile kepha futhi uzokweluleka ngenzalo noshwele bentela ukunciphisa intela oyikhokha ngemali oyitshalile,” kusho uNks uHorn.
Uthi inzalo phezu kwenye ngenye yezinto ezibaluleke kakhulu ekuphatheni imali yakho. Iyinsika yakho konke ukutshala imali utshalela isikhathi esiseduze noma esikude okwenza uthole inzalo kwinzalo, njengemvula, ukwandisa imali yakho.
NgokukaNks Horn, zonke izinhlobo zokonga zihlukene kanti weluleka ngokuthi ukuqinisekisa ukuthi unemali eyenele yokuthatha umhlalaphansi kufanele ubheke izindlela zokutshala imali ezihlukene.
I-linked Investment
Ngokukhetha i-akhawunti ye-linked investment, ungakwazi ukonga imali iminyaka emihlanu noma ngaphezulu ngokutshala imali ethile njalo emalini eyisigaxa. Kukunika inkululeko yokuthi ufuna ukutshala imali kanjani nokuthi ufuna ukuyitshala kuphi. Kukunika amandla okonga imali kuloko okuzwana nawe. Noma ngabe eyemfundo yezingane zakho, noma oyithukusile noma eyokuya eholidini, uma uyiyeka isikhathi eside, yilapho ikhula khona. Nguwe olawula izinto ngokwenza ukuthi isivumelwano sihambisane nezidingo zakho.
I-Retirement Annuity
Uma uthanda indlela yokonga eyisidala, indlela yokutshala imali ekufanele yi-retirement annuity. Ihambisana nomthetho oyilawulayo kanti ikakhulu yenzelwe ukukusiza ukuthi ukhulise imali yakho uyikhulisele umhlalaphansi, lena yindlela yokonga imali yesikhathi eside nekwenza ukuthi udonse isigaxa semali ngokuthenga umholo wanyanga zonke uma usuneminyaka ewu-55. I-retirement annuity ayigcini nje ngokukusiza ukuthi wonge noma utshale imali kodwa futhi inemihlomulo yentela.
I-Endowment
Ipholisi ye-endowment wumshwalense wempilo okhokha isigaxa semali ngemva kwesikhathi esithile noma ngemva kokufa. Nakuba ilawulwa yimithetho ethile, le pholisi yesikhathi esiseduze noma esikude wuhlelo olunobungozi obuncane olwenza ukuthi ukwazi ukushiya ifa ngokukhetha indlela ofuna ukutshala imali yakho ngayo. Lwenza ukuthi ukwazi ukuhlelela ifa olishiyayo nemihlomulo yentela, ikakhulu uma uhola imali eningi.
UNks uHorn usikhumbuza ukuthi umhlalaphansi ungaba yinselelo enkulu uma ungawuhlelele. Inzalo eshintshashintshayo, ukwehla kwamandla emali nezintela kungadla imali oyongayo. Ngokuvama ukukhokha imali ethile nyanga zonke nokutshala isigaxa semali kwipholisi yokutshala imali, ungaqinisekisa ukuthi unemali eyenele eyokwenza ukuthi ufeze amaphupho akho omhlalaphansi.
Xhumana nomeluleki wezimali waseMomentum ngokulandela le-link: https://forms.office.com/pages/responsepage.aspx?id=GI1rNuqZakOCSxyonDaUdhKUtIubPvRJoB-DLxVXNexUOTFSV0ZZRE9FS0s0SVpURFE2MTBaNEtSRy4u