Yiya kwi:

Lungisa
indaba
zakho
zemali!
Zama oluyilo
ludwelileyo
ukwakha ubutyebi
Iyothusa
kodwa yinyani
Isifo sentliziyo sikhokelele
emalini ebhankini
Dala
uthando
olungapheliyo...
Nizakuhlala kunye? Yenza
ezizigqibo ezi 2 kuqala

Indlela yokukhusela usapho
lwakho xa ungasekhoyo
...xa
ingasakwazi
Imicimbi emi 3
yokuqhawuka komtshato
ekumele uyazi
Ulwazi

Wamkelekile enyakeni omtsha we-'bold' kunye nembonakalo entsha yeBold! Njengesiqhelo, izele ngokuphathelele, ezihloko eziquke ulwazi esinethemba ukuba zizawukwenza izigqibo zakho zezimali ukuba zibe lula – njengokuba senze ukuba iBold isebenziseke lula. Siyavuya ukuba sikunye koluhambo lobomi kunye nawe – kunye nezimvo zakho ukuya phambili, iBold izawuqhubeka ukuqonda izidingo zakho bhetele kwaye ikubonelele ngoko okufunayo kakhulu. Nto leyo sicela ukuba usixelele ngawe kabanzi. Sicela uthathe umzuzu ukuphendula imibuzo emithandathu elula kwaye ungahamba nebahaso le R10 000 kwi- Old Mutual Max Investment.
iBold izimisele ukukuncenda ukuba uqhelane noxanduva lelizwe elihlala liguquguquka. Akukhathaliseki isimo sakho ebomini, nokuba niyavana, nahlukene okanye ucinga ngamafa osapho, esisiqendu seBold sikunika ulwazi elizakunika amandla okukhetha. Njengomlingani wakho, sicinga ukukukhuthaza ngendlala yakho eya enkululekweni yezimali kwaye senze isikhokelo esilandelelekayo kwindlela yokwakha ubutyebi.
Enkosi, Dashni Naidu
uMphathi we-'Retail Affluent communications & marketing'

iOld Mutual iyazidla ngokukuzisela umculo
ehlotyeni. Cofa apha ezantsi ukukhupha
inkqubo ye:

“Summer Sunset Concerts” eKirstenbosch

uMculo eChibini eDurban

uMculo eGadini eJoburg nasePitoli

Nje ngamfundi weBold, ungafikelela kwezinye iingqondi eziphambili zezimali eMzantsi
Afrika, ezingacalula isithombe sezimali zehlabathi ngendlela ezinegalelo ngalo kuyilo lwakho lezimali.

Ingaba sizawuba njani
isimo soqoqosho ngo- 2012?

Ingaba oku kuluchaphazela
njani utyalo-mali lwam?

Hayike, indaba ezimbi kukuba
ingxaki yezimali eYurophu
ayikasonjululwa

Futhi, njengesiqhelo xa kufikwa
kutyalo-mali lwakho, kufuneka
uqale ngokubuza: kutheni lento
ndityala imali okanye
lutyalo-mali lantoni olu?

Ngethamsanqa uMzantsi Afrika uyewazikhusela
kakuhle kwisiphango sehlabathi.

Inene, uMzantsi Afrika uye
waziphatha bhetele iimali
zawo ngaphezulu kwamazwe amaninzi
aphuhlileyo, nto leyo kumele
siqhayise ngayo.

Rian Le Roux, Intloko yezoPhando ngoqoqosho e-'Old Mutual Investment Group, SA'

Izak Odendaal, Ingcali yezophando e-'Fairbairn Capital'

Cofa apha ukubona incoko epheleleyo.

Rian:

Hayike, indaba ezimbi kukuba ingxaki yezimali eYurophu ayikasonjululwa kwaye izawukwenza kungabikho uzinzo kwimarike okwethutyana kwixesha elizayo.Iindaba ezimnandi, okwangoku, kukuba ulwazi oluvelayo lezoqoqosho lubonisa ukuba ihlabathi alirhoxi, xa kuthelekiswa nengxaki enkulu ka- 2008/9, leyo ithe yenza uxinzelelo olukhulu. Kwelinye icala, kufuneka sihlale sisazi ukuba, ukuqhubeka koxinzelelo lwezimali eYurophu lingakhokhelela kolunye uxinzelelo lwezimali. Ngokubanzi, ngo- 2012 singalindela ukukhula ukucothayo kodwa okuzinzileyo kwezoqoqosho kunye namanani asezantsi enzala ehlabathini – kodwa iimarike zizawuhlala zingazinzanga xa nje abatyali zimali behlabathi bengonwabanga ngesimo sezimali eYurophu kunye nefuthe laso kwezoqoqosho ehlabathini. Ngokufutshane, umngcipheko we wezoqoqosho nemarike zehlabathi uye wakhula kakhulu kwinyanga ezingephi.

Izak:

Futhi, njengesiqhelo xa kufika kutyalo-mali lwakho, kufuneka uqale ngokubuza: kutheni lento ndityala imali okanye lutyalo-mali lantoni olu? Xa utyalela iminyaka yomhlalaphantsi ukususela ngoku, ukungabikho kozinzo kwimarike kwenyanga ezizayo akumelanga kukukhathaze. Enyanisweni, ungasebenzisa amathuba kwimarike ukuze uthenge izabelo ezininzi. Kodwa xa uzawudinga imali yakho kunyaka okanye iminyaka emibini izayo (mhlawumbe ukubhatalela iiholide enkulu mhlawumbi), kufuneka uqaphele. Ingxaki, njekuba uRian esitsho, amanani enzala asezantsi kuzo zonke iindawo, kuquke noMzantsi Afrika. Ngenxa yoko utyalo-mali lethutyana alizuba namvuzo ungakho. Kufuneka uthabathe isigqibo: ingaba imbuyekezo ikhona, okanye imbuyekezo yemali ibalulekile phakathi konyaka okanye iminyaka emibini izayo.

Rian:

Ngethamsanqa uMzantsi Afrika uyewazikhusela kakuhle kwisiphango sehlabathi, sibulela kakhulu ngokuphathelele nesimo somgaqo wezimali, kodwa njengokuba ukuphelelwa ngamandla kweRanti kubonakalisile, asinawukwazi ukuba sibalekele intlekelele zehlabathi kwaphela. Ityala likaRhulumente lisezantsi kakhulu (lilinganiselwa kwi- 40% ye-GDP – ungafanisekisa oku kwi-170% yaseGreece kunye ne-100% yaseUSA). Kodwa simele ukuba sibhinqele phezulu kwilixa elizayo, nto leyo ichaza ukuba irhafu ayizukwehla kakhulu ngo 2012 futhi kube nolawulo oluliqilima kwinkcitho karhulumente.

Izak:

Inene, uMzantsi Afrika uye waziphatha bhetele iimali zawo ngaphezulu kwamazwe amaninzi aphuhlileyo, nto leyo kumele siqhayise ngayo. Kodwa asimelanga ukuba siyekelele umxakatho. Njengabathengi, abaninzi bethu basebenzise ukuhliswa kwerhafu kunye nokunyuka kwemivuzo ukuze baqhubeke besonwaba kwiminyaka egqithileyo. Kubathengi, u-2012 ingaba ngunyaka onobunzima kakhulu. Naxa irhafu yengeniso ingekhe yonyuke (okwangoku), ezinye iirhafu kunye neendleko zokusebenzisa zizawuqhubeka zinyuke ngokhawuleza xa kuthelekiswa nenani lokuzaliswa kwamaxabiso. Apha umntu ucinga ngemirhumo yoomasipala, amaxabiso oombane, i-“tolls” ezintsha eGauteng, iirhafu eziphezulu kwizikhululo-zenqwelomoya, njalo njalo. Okugcwalisa oku kuye kwafuthanisela ukukhula kweenkampani nto leyo iinkampani zingasakwazi ukubhatala imivuzo efanelekileyo futhi nokonyuka kwemali-nzalo phakathi kuka-2012, kwaye umthengi ophakathi angachaphazeleka. Kwisimo esinzima, ukugcina imali yomhlalaphantsi iba yinto yokugqibela. Lento ingaba yimpazamo enkulu. Umhlobo omkhulu umtyali-mali angaba naye kwangexesha.

Rian:

Naxa uzinzo kwezoqoqsho kuzawuqhubeka, kulindelekile ukuba uqoqosho likhule ngepesenti ezimbini ngo-2012 njengokuba singenawubaleka kuphele ekukhuleni okuhamba kancinci ehlabathini. Naxa isantya sokokukhula kusezantsi kwinto esiyidingayo ukuba sibe nefuthe elivakalayo kwintswela-ngqesho, kusebenzeke bhetele kakhulu kunepesenti ezimbini eziphelela kuqoqosho lwasekhaya ngo- 2009 ukulandela uxinzelelo lwango- 2008. Eyona nto isemva kwempumelelo yoqoqosho lwasekhaya kukonyuka kwenkcitho yabathengi, sibulela ekwehleni kwenzaliso yamaxabiso nemali-nzalo, kunye nokulungiswa kwemivuzo ukuze ibe ngaphezulu kwenzaliso yamaxabiso. Oku kumele kuqhubeke ngo- 2012, kodwa ngesantya esisezantsi, njengokuba ukunyuka kwamaxabiso kusitya emandleni enkcitho yamakhaya. i-Ranti ebuthathaka izawunceda abo bathengisela amazwe angaphandle, kodwa izawukwenza impahla evela kwamanye amazwe yonyuke kakhulu ingafikeleleki kubathengi. Ukunyuka kwamaxabiso kulindelekile ukuba konyukele phakathi kwepesenti ezintandathu ukuya kwezisixhenxe ngo- 2012 ngaphambi kokuba aphinde ehle. Naxa kunjalo, ukonyuka okuphezulu kwamaxabiso akunawuba namthelele ungakho kwiBhanki enguVimba ukuba yonyuse imali-nzalo kwilixa elizayo. Xa iRanti namaxabiso e-oli angazinza ngoluhlobo alulo ngoku, amanani angahlala ndawonye phakathi kuka- 2012, naxa abathengi kumele bazilungiselele ekonyukeni kwemali-nzalo ngokwezimo.

Izak:

Naxa kuyindawo yokukhula okucothayo kwezoqoqosho ehlabathini nasekahaya, asimelanga ukulindela ukubona imbuyekezo yezimali njengokuba kwenzekile kwiminyaka elishumi egqithileyo. Ngelishwa, abanye abatyali-zimali baye baqhelana nemarike ezinamndla ukuhlawulela ukungagcini imali. Xa indlela uRian abona ngayo ilungile, ingxowa-mali zemali yemarike zizawuba nembuyekezo embi (emveni kokunyuka kwamaxabiso) ngo- 2012. Ngamanye amazwi, lixesha elixakekisayo kubatyali-zimali njengokuba kungekho nanye kwinqanaba leempahla zobuytebi (iimali, ii-bonds, ubutyebi obubhalisiweyo, imali eluhlaza) enomtsalane ngokukhethekileyo. Esi sesona simo apho abacebisi bezimali bangakunceda kakhulu apho bangakwenzela uyilo uludingekayo lotyalo-mali. Elokugqiba, naxa iranti ebuthathaka izawunceda abo bathengisela mazwe angaphandle, njengokuba uRian eveza, lonto ayikhulise iindleko zokuphila kubemi boMzantsi Afrika. Thathela isimo sakho ingqaleko, thetha nomcebisi wakho wezimali okanye i-broker yakho ukuba ingaba yintoni efanelekileyo yokuveza iimpahla zobutyebi ezinokonyusa-iRanti, kuquke nokutyala-imali ezizweni.

Cofa apha ukwazi kabanzi ngemigaqo esixhenxe ephilileyo yotyalo-mali.

Ngokuba ukutyala imali kubalulekile kukhuseleko lekusasa lwakho,uku fumana ulwazi oluphambili kunye nengcebiso esebenzayo kubalulekile. Akukho nto engalinganiswa nento ephilileyo, ingcebiso ekhethekileyo yezimali kwaye kuhle ukwenza izigqibo zotyalo-mali ubonisana nomcebisi wakho wezimali okanye i-broker yakho, usoloko uhlangabezana nezidingo kunye neenjongo zakho. Xa udinga ingcebiso ngezimali, tsalela 0860 WISDOM (0860 947 366) okanye thumela imeyile ku-advice@oldmutual.com kwaye sizakunceda sichwayitile.

Akhonto uyibangayo: Olulwazi luphezulu luyinto enokwenzeka kwilixa elizayo xa kukhangelwe kulwazi olukhoyo ngesimo sezoqoqosho xa kukhankanywa isimo soqoqosho kunyaka ozayo. Lento ingaphinda iguquke kwaye ayithathwa njengcebiso.
Abantu
Cofa amabali
Qhubeka

naphezulu

Ingaba yinto enzima ukuthi ukuba
nesifo sentliziyo kushiye uAlvin
Bredenkamp enemincili. Kodwa kuyo
yonke lonto yonke into inempumelelo,
lemeko ixhomisa amehlo Imshiye nemali
esecaleni ukuba ayityale. Kwenzeke oku.

Ekuqaleni uAlvin - umphati weIT eKapa - ebecinga unesitshisa. Kodwa kuthe xa ihlaba liqatsela liye lamvusa ngenye intseni ngoMatshi kunyaka ophelileyo, waqonda ukuba unengxaki enkulu. Wavusa unkosikazi wakhe, uRisa, bamleqisa esibhedlele.

'iECG yayingacaci, kodwa iziphumo zegazi zaguqula ilizwe lam. Ziye zaqinisekisa ukuba ndinesifo sentliziyo ndidinga unyango olukhawulezileyo ukuvula imithambo enamahlwili. Oogqirha bafaka izixhobo ezimbini ezigcina lemithambo ivulekile.'

uAlvin, 48, yindoda ephaphileyo. Une "medical aid" kwaye utyale imali kwiincedo lwe-"Greenlight Severe Illness". Naxa ebetshaya, ebehlala esemandleni, indoda engaseli ngamandla kwaye ebehlala ezihlola njalo empilweni, ngoko bekungalindelekanga ukuba angalixhoba lesifo sentliziyo. Noba kunjalo, kwiiveki eziye zakhokelela koko, uye akakhathalela uphawu belisoloko liziveza: xa usoloko uziva udiniwe, ungamoshi ixesha hamba uyozihlola empilweni.

‘Yathi xa konke oku kusenzeka,
bendingazi ukuba ndizawudinga uqhaqho lwentliziyo, nokuba i-"medical aid" yam izawubhatala, okanye ndife! Phakathi kokuthandabuza, iGreenlight ibengumnatha
wam wokhuseleko.’

Emalini

Emveni kokuqinisekiswa kwesifo sentliziyo, uncedo lukaAlvin le-"Greenlight Severe Illness" liye labhatala i100% yenani le-inshorensi, nokuba isifo sentliziyo besingena bungozi. 'Ndibulela kakhulu kwi-'medical aid' yam, zange kudingeke ukuba ndisebenzise yonke Imali yam - ndiye ndakwazi ukuba ndiphinde ndityale imali yam kweyomhlalaphantsi.'

Cofa apha ukufumana ulwazi olubanzi nge
Greenlight.

uDr. Peter Bond, igosa
eliphezulu lezempilo kwaOld Mutual uthi, 'Imiqondiso yesifo sentliziyo ayifani.' 'Yahlukile ebafazini.'

Cofa ukufunda
kabanzi.

Imiyalo

kagqirha

uDr Peter Bond, igosa eliphezulu lezempilo kwaOld Mutual, uthi akumelanga ucinge ukuba isifo sentliziyo sizawusoloko sivela ngehlaba esifubeni. Kungaba khona ihlaba phakathi kwamagxa, ngasemhlathini nobuso, nehlaba nakweyiphi na ingalo.

Abafazi, abadala xa bephathwa sisifo sentliziyo, nabo babanjwa zintlungu ezinzima, bavelisa imiqondiso 'engaqhelekanga' kunaleyo yamadoda.

Amanyathelo alula okususa ingozi

Yazi imbali ngosapho lwakho, xa utshaya, yeka!

Qaphela uxinzelelo lwegazi: Isibalo esisempilweni: 120mm HG phezulu kwe 80mm HG.

Yazi ikholesteroli yakho: iKholesteroli kufuneka ibe ngaphantsi kwe-5,2mmol/L nangaphantsi kwabo basengozini yesifo sentliziyo, njengabo besifo seswekile uType 2.

Guqula indlela otya ngayo: Hlukana nokutya okunamafutha utye ukutya okunothe ngamafutha ezityalo nefibre.
I-snack esinamadongomane, i-almonds,
i-cashews, ii-cranberry neentanga zamathanga, utye i-oatmeal ne-oat bran.

Hamba: : ukuhamba okuthatha isantya sentliziyo yakho ukuyofika kwizingqi ezisuka 120 ukuya 130 ngomzuzu phakathi kwemizuzu eyi 30 ukuya
45 ngosuku kunyusa
ukuhamba kwegazi.

Hlisa amafuta
asesuswini:
Emadodeni, isinqa
esingaphezulu kwe
94cm futhi ebafa-
zini ngaphezulu kwe
80cm kungaphinda
lengozi kabini.

Ukudinwa okungaqhelekanga

Isiyezi

Ukuvaleka umoya

Ukubila okanye ukufuma

Isizunguzane
Boma
Asoze undithengele uthando

Imali ayisoze ikuthengele uthando, ntonje ingunobangela wobukrakra ebudlelwaneni,
ngakumbi xa abalingani benezimilo ezahlukileyo emalini. Noba iminyaka yakho okanye
nezinga lempilo liyintoni, ukuyila ngokuthemebekileyo nokuphaphileyo, kunye namanye
amanqaku aveza izithintelo, kungakusindisa ekwaphuleni intliziyo yakho – kunye nebhanki.

Ukuhlala ndawonye

Ndizakumcela ukuba
makanditshate. Ndiqinisekile
ukuba uzawuvuma, kodwa lonto izakuyi-chapahazela njani imicimbi yethu yeemali? Cofa apha
ukuqonda kabanzi ngeekontraki ezahlukeneyo zemitshato.

Singaziphatha kanjani iimali
zethu kuba siyokuhlala
ndawonye ngoku? Ufuna
sabelane nge-akhawunti enye
yebhanki, kodwa ndicinga
ukuziphathela imali yam. Cofa
apha imigaqo ethemebekileyo yobudlelwane bemali.

Buyela ku:

Asoze undithengele uthando



Imigaqo yobudlelwane

Yahlula kodwa ngokulinganayo

'Nobabini kumele nigcine iimpahla yenu kunye namatyala wenu emagameni enu ukuthintela iingxaki kwixesha elizayo. Lento ikwabaluleke kakhulu xa omnye wenu eneshishini, kuba iimpahla yomnye umlingani ingathinjwa xa ishishini lisiwa,' kutsho uSoré Cloete, umcebisi oligosa eliphezulu kwezomthetho eOld Mutual.

Into yakho yeyam?

Abanye abalingani bahlawula iindleko ngokulinganayo ukusuka kwi-akhawunti abayidibaneleyo leyo banegalelo kuyo bobabini. Kodwa ke akukho mithetho iliqilima nekhawulezayo apha futhi ningaphinde nivume kwiindawo ezahlukeneyo zoxanduva lwezimali – umzekelo, omnye wenu ubhatala irenti ukanti omnye uthenga ukutya. 'Umgaqo omnye okumele ninamathele kuwo, ' ngokwengcebiso ka Soré, kukuba ningafaki imivuzo yenu nobabini kwi-akhawunti yebhanki eniyidibaneleyo.

Ityala lakho lelakho

Kubalulekile ukuba nivane ngamatyala wenu nokuthi ayimalini. Xa omnye wenu kungenzeka ngesiquphe angasakwazi ukuncedisa kwiindleko enizidibaneleyo, lonto inganefuthe elibi ebudlelwanenu benu. 'Futhi ungavumi ukuthatha okanye ukusayinela ityala lomlingani wakho nakweyiphi na imeko,' uSoré uyayicindezela lonto.



Iikontraki zoMtshato

Ukuphela komtshato – ngokufa okanye ukuqhawuka komtshato – yinto yokugqibela ofuna ukucinga ngayo xa usalungiselela impilo kunye. Kodwa umelwe kukuqaphela nokuxoxa iziphumo zezinto ongazikhethayo kwezilandelayo phambi kokuzimanya ngeqhina lomtshato:

1. uMtshato wokudibanela impahla nobutyebi:

Ingxowa enye yamafa iyavulwa kwaye umlingani ngamnye unesabelo se 50% kuyo yonke impahla kunye namatyala – kuquke akhoyo – ngaphambili kunye naxa sele kutshatiwe (ngaphandleni kokuba abekelwe bucala ngokukhethekileyo) yinxalenye yamafa adityanelweyo. Ukhona umncipheko wokulahlekelwa yinto yonke xa ishishini lomlingani wakho lisiwa, xa kutsalwa zonke iimpahla zakho kunye namatyala ndawonye. Xa ungenayo ikontraki ebhaliweyo echazayo ukuba anidibanelanga izinto (ungakhetha kwezizimbini ezantsi), sele utshate ngokwabelana ngokulinganayo ngezinto zenu.

2. uMtshato wento yam yeyam ngaphandle kokwabelana ngengeniso:

Nobabini nigcina amafa enu ahlukeneyo emveni komtshato kwaye akukho kwabelana ngamafa. Nokuba oku kuchaza ukuba imali yakho ayikho semngciphekweni xa umlingani wakho athe wanengxaki yemali, kungethandeki kwinkosikazi eyeka ukwamkela ingeniso iminyaka xeshikweni ehleli ekhaya ekhulisa abantwana.

3. uMtshato wento yam yeyam nisabelana ngengeniso:

Nobabini nigcina amafa ahlukeneyo emveni komtshato kodwa nabelane xa amafa wenu ekhula emveni kokutshata. Omnye wenu unelungelo lokwaba ingeniso ekhulayo ekupheleni komtshato, ingaba lonto yenzeka ngokufa okanye ngokuqhawuka komtshato.

Ukuqhubeka

Ukuqhawuka komtshato? Cofa apha ngemicimbi
ebalulekileyo emithathu ekumele uyiqaphele
ukukunceda ukuba uphinde uphakame.

Buyela ku:

Asoze undithengele uthando



1. Khumbula imali yomhlalaphantsi

Njengomlingani ongelilo-ilungu lengxowa-mali yomhlalaphantsi, unelungelo lokwamkela amancedo avela kwingxowa-mali yomhlalaphantsi ngexesha lokuqhawuka komtshato, kunokuba ulinde umlingani wakho athathe umhlalaphantsi. (Lendaba izawukhankanywa bubume bomtshato wakho.) uNcedo lungabhatalwa ngemali eluhlaza kodwa into elumkileyo kukutyala lemali kwingomso lakho ngokuyidlulisela kwingxowa-mali yakho yomhlalaphantsi.

2. Thatha i-inshorensi yobomi ebomini bomlingani wakho

Abafazi, ngokukhethekileyo, kumele bazimisele ngokuthatha i-inshorensi yobomi ebomini babalingani babo, kucebisa umphathi wemalike zophuhliso eOld Mutual uSylvia Walker, kunokuba uyiyekele kuye. Uye wathi, 'Lena yeyona ndlela iphambili yokuqinisekisa ukhuseleko lwezimali kungakhathaliseki ukuba kwenzeka ntoni na ethubeni.' 'Xa unabantwana, i-ishorensi yobomi kunye neyobulwelwe kubomi bomlingani ohlawula isondlo nayo izawuqinisekisa ukuba isondlo sikhuselekile.' Ungalibali 'le-inshorensi yesondlo' imelwe ukuba iquke isivumelwano sokuqhawuka komtshato.

3. Imicimbi yesondlo

Xa ukhangela ukuba yeyiphi imali yesondlo ebhatalwayo, qaphela ukuba ubude bomtshato wakho buyaqatshelwa kunye neminyaka yakho, izidanga, kunye nesakhono sakho semali. Apho kuchaphazeleka khona abantwana okanye abantwana obondlayo, izigqibo ngemali ekumelwe ibhatalwe kunye noxanduva lizawusekwa kwizakhono zabazali bobabini.

Ukushiya

ilifa

Ungavumeli ukufa kwakho kushiye
usapho lwakho kwisaqhwithi semali.
Cofa apha ufumane indlela
yokukhusela ingomso lwabo.

'Uye waqinisekisa ukuba ndinemali elindelwe ukusetyenziswa'

Xa umyeni wakhe uBruce esweleka, uDawn Martin oneminyaka eyi-59
uye wakhokha umoya xa ebona ukuba
uye wabonela phambili xeshikweni ebenyanzelisa ukuba makazivulele iakhawunti yebhanki. Ipolisi yobomi, ebhatalwa ngqo kwiakhawunti yakhe,
iye yabonelela izidingo zakhe xa esifa. Lendlela yokuyila ibalulekile,
xa amafa womfi ethatha inyanga ezintandathu kwaye iindleko
zosapho eliseleyo zona
azimanga kwelixesha.

Buyela ku:

Asoze undithengele uthando



Yenza uyilo lwamafa

Uyilo lwamafa – uyilo lwemali lokufa kwakho – lingundoqo, kakhulukazi xa unosapho. Ngaphezulu kokulungiselela umrhumo womabi welifa, oluyilo kufuneka liquke:
1. Amatyala: kuquke ukubhatala kwezakhiwo kunye namanye amatyala.
2. Imali yenzuzo yerhafu neyamafa: Indlela impahla yakho yabiwa ngayo futhi nakubani, izawuveza ukuba lerhafu iyabhatalwa. 'Ukunikezelwa kwempahla kumlingani kuzawunciphisa umrhumo wamafa kunye nengeniso yerhafu yemali yenzuzo xa kuthe kwasweleka umlingani wokuqala,' utsho uSoré Cloete, umcebisi ophezulu kwezomthetho eOld Mutual. 'Kodwa ke, lempahla ilungelwe ukuhlawula irhafu xa kuthe kwasweleka umlingani osaphilayo.'
3. Ukubonelela umlingani wakho kunye nezidingo zosapho: Imali yenzuzo ingafumaneka ukubonelela oku, uthathela ingqaleko isimo soqoqosho, isantya sokukhula koqoqosho kunye nexesha elilindelekileyo lokuphila.

Apho kungekho myolelo khona...

Xa kungekho myolelo, 'i-Intestate Succession Act' yiyo ebonayo ukuba kwenziwe ntoni. Umthetho wayo uchaza ukuba indlalifa zakho lusapho lwakho. Naxa ke sele iquke nobudlelwane besini esifanayo ngenxa yowiso mthetho lwenkundla ngo 2006, awunandawo yomthetho-ofanayo kubalingani besini esingafaniyo. 'Umyolelo obhalwe kakuhle uqinisekisa ukuba iminqweno yakho iyafezeka,' ngokutsho kukaSoré.

kwenzekani ngetyala lam?

Umabi wamafa akho uzawucelwa ukuba abhatale amatyala akho aseleyo. 'Xa amafa akho engena mpahla yaneleyo, umabi wamafa anganyanzeleka ukuba athengise enye impahla yakho,' uyalumkisa u Soré. 'Kwaye xa utshate umtshato wento yam yeyakho, ityala lakho liba lixanduva lomlingani wakho xa usifa.'

Ukukhusela indlalifa zakho

Ngoyilo olunobulumko kunye namazwi kumyolelo wakho, indlalifa zakho zingakhuseleka malunga nababolekisi ngemali. Funa ingcebiso ngendlela yokushiya amancedo kwingxowa-mali ethembekileyo, leyo ingekhe ibe yinxalenye yamafa wakho kwindlalifa zakho. Umntu ozimeleyo, ongakhethwanga njengendlalifa futhi angabi lilungu losapho, uyakhethwa njengonongxowa walengxowa-mali.
- Buyela kwindlela yenkuleleko yezimali
- Manenekazi namanene, dumisani ienjini zenu
Imali

Indlela eya
enkululekweni
yemali

Nantsi imapu evavanyiweyo ukukusa
kwindawo yamaphupha womntu wonke:
inkululeko yemali. Uze ungoyiki ukubuza
indlela ebantwini abafanelekileyo endleleni!

Ukudala ubutyebi
kungenzeka xa unamathele
kuyilo olulula oludwelileyo.'

Cofa kula maphawu endlela ukwakha
indlelayakho eya kubutyebi

uLizl Budhram, umyili wezimali
oqinisekisiweyo.

Qinisekisa ukuba uchitha malini, ukwelita malini nokuba ungaphungula phi kwiindleko zakho. Abemi abaninzi eMzantsi Afrika baphangalele kakhulu, kodwa kubalulekile ukuba uphile ngokwamandla akho uphinde ube nemali esalayo ukuba uyigcine.
Cofa apha ukukhupha uyilo lwengqiqo-mali elilula ukusetyenziswa ukuze uqale.

Zikhusele ngokuchasene nezehlo zesiquphe ezingakususa lula endleleni yobutyebi. 'uLizl uthi: ii-inshorensi zomngcipheko ezifana neinshorensi yobomi okanye i-inshorensi yethutyana kufuneka zibesendaweni phambi kokuba uye kude'.

Yonga imali ude ube nengxowa-mali yethuba lokuxakeka. Umthetho omhle wokuphila kukuphinda kathathu umvuzo wakho,' uyacebisa uLizl. Kwaye ungahendeki ukuba usebenzise lemali ngaphandle kokuxakeka nyani!

Asithethi ngamatyala 'afanelekileyo' nadingekayo, njenge tyala lendlu nokubhatalwa kwemoto, apha. Kodwa sithetha, ngamakhadi wamatyala ebhanki, amakhadi wevenkile zamatyala kunye nemali mboleko yeebhanki – loo matyala aqhubekayo esidla kwimali yakho yomvuzo ukuba uwabuyekeze. 'Qala ngetyala elinemalinzala ephezulu, njengetyala lecredit khadi,' kusitsho uLizl. Xa leyo sele ibhatelwe, bhatala ngokulinganayo kwityala elilandelayo elinemalinzalo ephezulu. Ungehlisi imali oyibhatalayo kwityala lide liphele – lento izakugcinela imali kwimalinzalo ikukhuphe kamsinya etyaleni. Xa ubona ukuba uyazika ematyaleni, tsalela iDebt Solutions ku- 0860 666 607 ukuze uncedwe nokucetyiswa okanye cofa apha ngolwazi olubanzi.

Inqwelo ekufaneleyo yakho ixhomekeke kwizidingo neemeko zakho, kutsho uLizl. 'Eli lixesha lokubuza umcebisi weemali ukukhangela zonke izizathu ukukunceda ukuba wenze isigqibo.'

– Umhlalaphantsi Nokuba kusahluka ubume bomntu ngamnye, kukho utyalomali olunye okufuneka sibe nalo sonke: ingxowa-mali yomhlalaphantsi. Xa uqala usemncinci uzibeka emathubeni amahle, ngokunjalo, kodwa ithuba lihlala likhona ukuba ugcine imali. 'Ungabethisi ngoyaba lengcebiso ngokuba unengxowa-mali yomhlalaphansti ezakusebenzela. Qinisekisa ukuba izakunika imali eyaneleyo xa uthatha umhlalaphantsi. Xa kungenjalo, kuzawumele uthathe enye ipolisi,' uLizl ucebisa njalo.

- Zibekele imigomo Qinisekisa ukuba imali uyigcinela ntoni (ukuthenga indlu / ukubhatalela imfundo / ukutshata ngeqhayiya) nokuthi izawuthatha ixesha elingakanani. Lento izawuveza intlobo yotyalomali oyidingayo nexesha layo.

- Zazi wena Xa uziqeqeshile kwaye ungenakuthinta imali yakho eselugcinweni kude kufike ixesha layo elibekiweyo, ngoko i-'unit trust' ingaba yimpendulo ekulungeleyo – zikhona iintlobo ze'unit trust' ezikhoyo ongakhetha kuzo ubone inani ungalithathayo ekutyaleni imali yakho. Xa ungumntu oyisebenzisayo imali udinga enye inqwelo yotyalomali ezakunceda ngokugcina imali. Cinga ngesohlwayo sokubhatala enye imali xa uthe watsala imali ngaphambi kwexesha.

- Cofa apha ngemigaqo esixhenxe yotyalomali eliphilieyo.

- Siyakukhumbuza ukuba akukho ndlelambini ngengcebiso ephilileyo yezimali. Yenza izigqibo ngokubonisana nomcebisi wakho wezimali okanye ibroker yakho. Kungenjalo, tsalela 0860 WISDOM (0860 947 366) sizawuvuyela ukukunceda.

Uthi uLizl: 'Impazamo enkulu ebizayo eyenziwayo kukuthatha imali yomhlalaphantsi okanye eselugcinweni phambi kokuthatha umhlalaphantsi okanye phakathi kwexesha lotyalomali.' Yongeza iindleko iphinde icuthe ixesha lotyalomali, nto leyo ichaza ukuba awufumani imalinzala egcweleyo.'

Ungenzi impazamo yokucima ii-inshorensi zomngcipheko (yobomi, ubulwelwe okanye eyethutyana) – lonto ikufaka engozini yezimali engadingekiyo.

Phendula Imibuzo
embalwa, uzibeke ethubeni
lokuphumelela i- R10 000 Old Mutual Investment.
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