Lubhalwe nguThomas Brennan
INingizimu Afrika inesixazululo somhlalaphansi esicashe obala futhi abantu abaningi abakaze bezwe ngaso.
Bangu-6% kuphela abantu baseNingizimu Afrika abasethubeni lokuthatha umhlalaphansi. Abanye abangu-38% bathi abakwazi nhlobo ukulondoloza imali. Abakwenzi ngoba bengenandaba, yingoba imali yokuthatha umhlalaphansi iqhudelana negilosa, imali yesikole neyokuthutha.
Kodwa kuthiwani uma ngikutshela ukuthi ungase uthathe umhlalaphansi njengosozigidi ngokufaka u-R423 nje kuphela ngenyanga.
Yimalini umzali angadinga ukuyitshala kusukela ekuzalweni kwayo ingane kwi-akhawunti yokonga engakhokhi intela (TFSA), etshalwe ezikhwameni zenkomba ebiza kancane, ukuze akhe umgodlagodla obiza cishe u-R1 million uma eneminyaka engu-60, okuzothatha imbuyiselo yesikhathi eside engu-10% ngonyaka.
Imfihlo isikhathi.
Umnikelo ka-R423 ngenyanga otshalwe iminyaka engu-60 ungakhula ufinyelele ku-R1 million. Kodwa uma ubambezelela ukuqala futhi izindleko zikhuphuka kakhulu. Qala uneminyaka engu-25 udinga cishe u-R1,330 ngenyanga. Uqala ku-35 isibalo sikhuphukela ku-R3,020.
Linda kuze kube ngu-45 futhi udinga cishe u-R10,000 ngenyanga.
Yingakho futhi ukuhoxiswa kwempesheni ngaphambi kwesikhathi kulimaza kakhulu. Selokhu kwethulwe lolu hlelo lokuthatha umhlalaphansi lwamabhodwe amabili, cishe izigidigidi ezingu-R57 sezikhishiwe kanti cishe u-R15 billion uye kwa-SARS ngentela.
Irandi ngalinye elikhishwa namuhla liyirandi elilahlekelwa amashumi eminyaka okukhula okuhlanganisiwe.
I-TFSA isalokhu iyithuluzi lezezimali elisetshenziswa kancane eNingizimu Afrika. Futhi umkhawulo wonyaka usanda kunyuka wafinyelela ku-R46,000. Umkhawulo wempilo yakho yonke usamile ku-R500,000.
Uma abazali bekhulisa iminikelo ye-TFSA yengane ngeminyaka engu-12 futhi bashiye ukutshalwa kwezimali kungakathintwa kuze kube yiminyaka engu-60, iphothifoliyo ingakhula ibe ngaphezu kuka-R100 million ngembuyiselo yonyaka engu-10%, engangenisa cishe u-R300,000 ngenyanga emalini engenayo yezabelo zentela.
Manje lokho akukona umhlalaphansi omubi!
Imbalwa kakhulu imindeni engakwenza lokho.
Kodwa akulona iphuzu.
Iphuzu liwukuthi isibambiso sokuthatha umhlalaphansi asibekelwe abahola kakhulu. Futhi akumele kuqhudelane negilosa kanye nemali yesikole. Imayelana nokuqala kusenesikhathi, uhlale utshala imali, futhi ungahoxi.
Ukuqala ekuzalweni ishibhile izikhathi ezingu-24 kunokuqala ku-45.
Leso yisifundo sangempela somhlalaphansi esicashe ngezinombolo.
Udinga usizo lokuthola ukonga kwakho ngendlela efanele? Xoxa noSiza Khula, umsizi wemali we-AI weScrollla wamahhala.
UThomas Brennan uyi-CEO kanye nomsunguli we-Franc, umeluleki wengcebo ephaketheni lakho.
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Esithombeni esingenhla: Owesifazane ogwini lolwandle eKapa.
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