Xa kunokwenzeka, thintela utyalo-mali ngokunikezela iirhafu.
Kutheni iikhompyutheni zinika iRhafu yokuThumela?
Uninzi lwabakho utyalo-mali olwenza uxanduva lokunikezela, njenge-B-share share funds, i-annuities, kunye ne-inshorensi yonke yobomi, ukuhlawula iintlawulo zangaphambili kubantu abathengisa ezo mali-mali. Inkampani ekhupha utyalo-mali ithatha iindleko (ikhomishini) abaye bahlawula, ngeemali zangaphakathi kwi-investment.
Ukuba uthengisa utyalo-mali phambi kokuba iminyaka eyaneleyo idlulileyo, iirhafu zangaphakathi kwi-mali ayiyi kuba neleyo ukukhupha iindleko zekhomishini ehlawulwe, kwaye inkampani yotyalo-mali iya kugqiba ukulahlekelwa yimali. Ukuqinisekisa ukuba oku akukwenzekayo, inkampani yokukhupha iya kubandakanyeka ukuhlawulwa kwentlawulo kutyalo-mali.
Kwimeko yokuxhaswa ngemali, ngamanye amaxesha ubona ukuhlawulwa kwexesha elifutshane okanye intlawulo yokuhlawulela eyenza ukuba uthenge kwaye uthengise utyalo-mali kwisithuba seentsuku ezingama-30, ezingama-60 okanye ezingama-90. Umzekelo, umrhumo we-1% wohlawulelo unokufaka isicelo ukuba uthengise izabelo zingadlulanga iintsuku ezingama-60 zokuthenga. Oku kukudambisa abantu ekusebenziseni loo mali-mali kwiinjongo zorhwebo elifutshane.
Ziziphi iintlobo zeeMveliso eziye zenze iirhafu?
Imirhumo yokubuyisela imali yakho ixhaphake ngokuxhaswa kwemali (njenge-fixed, variable and annuities annuities), inshorensi yonke yobomi kunye ne-B-share funds funds. Ukunikezelwa kweerhafu kungabizwa ngokuba ngumrhumo wokuthengisa, okanye umthwalo wokugqibela.
Unokude ube neliphi utyalo-mali lokugwema imali?
Ukunikezelwa kweerhafu kunokuhluka kwixesha elifutshane nje ngeentsuku ezingama-30 kwimali-mali, kunye nexesha elide unyaka omnye ukuya kwiminyaka elishumi elinesihlanu ubude kwi-annuity kunye nemveliso ye-inshorensi. Ukuhlawulwa kwe-inshurensi kunye ne-inshorensi yobomi, ngokuqhelekileyo umrhumo uqala phezulu, njengemali yokunikezela ngemali eyi-10% xa ubeka imali kwi-mali yakho ngomnyaka owodwa, ohlawulela kumyinge we-1% xa uyithengisa ngeminyaka yesithoba, kwaye akukho mali yokuzinikela. ukuba uyayifaka emva kokuba ube neminyaka elishumi okanye ngaphezulu.
Esi sisakhiwo esiqhelekileyo osibona kwiintshukumo eziguqukayo. Ukuba kufuneka uhlawule ngemali yakho yonyaka okanye yomshuwalense, qiniseka ukuba awukho iintsuku ezimbalwa ukusuka kumhla wokukhumbula.
Ngaba ukuhlawulwa kweeNtlawulo zibi?
Njengomgaqo jikelele wesohlwayo, thintela utyalo-mali nokunikezela iirhafu. Iimeko zenguqu zitshintsha. Khangela utyalo-mali olunikeza ukuguquguquka, kwaye uhlale kude notyalo-mali oluvala imali yakho ixesha elide.
Njengawo nawuphi na umgaqo wesithupha, kukho konke ukungafani! Kukho umgangatho osemgangathweni ophezulu kunye nemveliso yomshuwalense womshuwalense onokulungele wena, ukuba uthenge kwaye ubenayo ixesha elide.
Ukuba ngaba yintengo yomshuwalense wobomi kunye nokunikezelwa kwentlawulo, ngoko phambi kokuba uyithenge, yazi ukuba kulolu hlobo lokuthengwa ukusebenzela inzuzo yakho yexesha elide, kuya kufuneka ukuba ube ngumnini walo, kwaye uhlawule iipriyamu, ixesha elide. Qinisekisa ukuba uya kukwazi ukuhlawula iiprayimenti nangona ufanele ulahlekelwe ngumsebenzi.
Ukuba ngaba ngumkhiqizo wempesheni kunye nokunikezelwa kwentlawulo, qiniseka ukuba iinzuzo zigqithise ukungabikho kobutyebi kunye nokuguquguquka.
Ukuba ufuna ingcebiso ngezezimali, unokucinga ukuba usebenza kunye nomcwangcisi-mali kuphela , kuba abanako ukuhlawulelwa ekuthengiseni utyalo-mali okanye iimveliso ze-inshorensi.