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Johannesburg – Kuyawenza umqondo ukusheshe uqale ukulondoloza imali yelobolo ukuze uzinikeze isikhathi esanele sokuthi uhlomule inzuzo, ngokusho koyiFinancial Wellbeing Consultant, e-Alexander Forbes, uHappy Ngale.
“Ilobolo isiko lase-Afrika elibandakanya inkokhelo – kungaba imali noma inkomo noma izinkomo – ezivela emndenini walowo osuke engaba umkhwenyana kubazali balowo osuke engaba umakoti ngokomshando wesintu,” kuchaza uNgale.
“Kuyindlela yokubonga kanye nokuhlonipha abazali bamakoti kanye nendlela yokwakha ubudlelwano phakathi kwemindeni yomibili. Kungokukhokha ilobolo kuphela ukuthi abathandanayo bathathwe njengasebeshadile.”
Imali ijwayele ukusetshenziswa njengemali, futhi umndeni uyavumelana ngesibalo sezinkomo kanye nenani lenkomo ngayinye. Ilobolo liphinde libandakanye nokuphana ngezipho ezisuke ziyizinto okusuke kuvunyelwene ngazo, kunaba uNgale.
OLUNYE UDABA: Omunye ogilwe uMMM: Ngalahlekelwa u-R35 000 ngemuva ‘kokujama’ kohlelo
Ukulobola yisiko elibizayo. Uma ngabe ucabanga indlela yokubeka imali yelobolo yesikhathi esifushane kumele ubheke izinto ezifana nokuthi mungakanani umthamo noma inani lemali noma izinkomo okumele ube nazo, ubungozi obukhona bokulahlekelwa yilokho osuke ukonga kanye nokuthi uzokonga noma uzobeka isikhathi esingakanani.
Imali elondoloziwe engabanjwa intela (tax-free)
Abanikazi be-account yokonga imali (saving account) engabanjwa intela (tax-free) – bayayekelwa ukuthi bangayikhokhi intela, ayikho imali engenayo, imali eyinzuzo kanye nemihlomulo yentela okumele ikhokhwe noma ibuyeselwe emuva. Imali engafinyelela ku-R33 000 ingabekwa ngonyaka wentela (tax year), kanti empilweni yakho yonke ingaze ifinyelele ku-R500 000. Lapha usuke ubeka imali engango-R2 750 ngonyaka.
“Ungakhipha (withdraw) kulesi sikhwama sokonga noma ngabe kunini ngaphandle kokukalelwa noma ukuhlawuliswa. Isikhwama sokonga siyakunikeza umthamo odingekayo esikhathini esifushane sokulondoloza,” kusho uNgale.
I-Unit trust
Awukho umkhawulo wokuthi yimalini engalondolozwa, kodwa iyabanjwa intela emalini okhokhelwa yona. Le mali itholakala kalula uma usuyidinga ngale kwenhlawulo noma umkhawulo. Ama-Unit trust avuleleke emalini elondolozwa ngokuthenga izindlu kanye nemali elondolozwa ngokuthenga amasheya ezimakethe, nokwenza uhlomule ngemuva kwesikhathi eside.
I-Money market account
Le account enemali ezalayo, izala imali (interest) enkulu kunale ezalekayo uma uyifake ebhange, ngokuchaza kukaNgale. “Ulondoloza ngqo ezinhlakeni zemali kanye nezinhlaka eziningi zezimakethe zemali (money market). Inzalo incika kwizinga lemali ezalayo ngaleso sikhathi (interest rate).” Lokhu kusho ukuthi uma ngabe iphansi i-interest rate, nemali ozoyizuza izoba ncane.
Isitokfela
Lolu hlelo lokonga imali ludlisile emalokishini noma ezindaweni zasemakhaya. “Njengelungu lesitokfela, uthola ingxenye yemali engukheshi njengoba inkokhelo ishintshashintsha kumalungu inyanga nenyanga,” kusho uNgale.
Kwezinye izitokfela kukhishwa imali inyanga nenyanga kanti le mali ilondolozwa kwi-account yesitokfela. Ekupheleni konyaka ilungu nelungu lesitokfela lithola ingxenye ethile yamali uma sekuhlukaniswa.
