Sihlala sisiva abantu esibancedayo besithi bangafumana iingcebiso zemali kubahlobo okanye kubacebisi-mali abazifundisileyo.
Kodwa nokuba sele benenjongo ezintle kangakanani ukuba ayingobacebisi ngemali abazimeleyo nabasemthethweni, awunakuze uqiniseke ukuba ufumana iingcebiso ezizizo.
Ngako oko sakutsho ngoku ukuba hayi bonke abantu bangakwazi ukunika iingcebiso zezemali.
Ukuyibeka ngenye indlela awunakuze ucele umhlobo wakho ukuba enze utyando lwentliziyo kuwe. Ngako oko kutheni xa kufikelela kwezezimali uza kuphepha ukuyokufuna ingcebiso umamele abahlobo bakho?
Nangona ungacinga ukuba uyayazi into eza kusebenzela nenganokusebenzela, kodwa ngumntu ofundeleyo ezemali onolwazi lokukunceda ukuba ukhulise iimali zakho. Kweli nqaku ndibhala ngamampunge abantu abanawo malunga nabacebisi ngezezimali.
* Abacebisi bemali abayazi inzala endiza kuyifumana kutyalo endilwenzileyo. Yinyaniso engenakuphikiswa leyo! Asinantloni zokuyithetha into yokuba asiyazi ukuba iyakuba yimalini inzala yakho oza kuyizuza. Abatyali zimali abaninzi abafuna iingcebiso ngemali bafika sele bezazi ukuba baza kufumana inzala engakanani kutyalo lwabo. Nangona kunjalo ezi ngcinga zisukela kumava adlulayo, indlela eyakhe yakhula ngayo imali ngaphambili okanye ngamanani nje avele acingwa. Ngubani ke kodwa ongafuniyo ukuba imali yakhe ibenenzala eninzi? Singathetha ngezi njongo njengemali engakhe mhlawumbi ibeyinzala- le nzala isekelwe kwimfuno, hayi kwisidingo. Owethu umsebenzi njengabacebisi kukuqikelela inzala oyidingayo ukufezekisa iminqweno yakho, sicinga ke kodwa ngeenjongo zakho ezingafaniyo nezabanye abantu, ixesha oqale ngalo ukutyala nozakuyifuna ngalo imali, izinga lezinto ezisegameni lakhe nokuba zikhuseleke kangakanani ize ke sijonge nezinye izinto ezingachaphezela inzala yakho. Amaxesha amaninzi siye sifumanise ukuba inzala oza kuyifumana ibancinci kunalena ubuzithembise ngayo. Ukwazi umahluko phakathi kwenzala oyinqwenelayo kunye noza kuyifumana kubalulekile kakhulu kwinkqubo yokucwangcisela ezezimali.
* Ndidinga i-inshorensi kuphela kumcebisi wezezimali. Ubomi bakho bukhulu kakhulu kunenkqubo yokuthatha i-inshorensi. Umsebenzi wethu wokuqala kukwazi wena. Ucwangciso lwezezimali yinkqubo equka iinjongo zakho zobomi nezisombululo zemali ukuze sikwazi ukuvelisa isicwangciso semali. Abaxhasi/abathengi abaninzi bahlala befuna ukwazi ukuba bangayilondoloza njani na imali yokufundisa abantwana babo? Ndilondoloze imali eyoneleyo kusinina yomhlala phantsi? Kuza kwenzeka ntoni kubantwana bam xa sele ndilandulele eli? Ndingawukhusela njani na umvuzo wam ukuba ndingakhubazeka okanye ndidendwe emsebenzini? Injongo yaye namphi na umcebisi wezezimali kukuba “ligosa eliyintloko yezezimali” yobomi bonke bemali yabaxhasi/abathengi babo. Abacebisi bemali abakwazi ukuchonga izabelo ezingenisa imali/inzala. Yinyaniso engangxengwanga leyo! Abacebisi bemali abanalwazi lunzulu lokuchonga istokhwe zokukhulisa imali okanye benze izicwangciso ezibanzi zokutyala imali. Ezi ngcamango zisukela ekubeni abacebisi ngemali kunye noomanejala borhwebo notyalo mali ngabantu abanye. Ayingobantu banye. Abacebisi bemali bajonga indlela owenza ngayo izinto baze badibane nabanye oompondo-zihlanjiwe ukwenza izigcwangciso zakho ziphumelele. Xa sithatha umzekelo kwezonyango, ukuba ugqirha wakho ukholelwa ukuba udinga uphando lwengcaphephe uza kuthumela esibhedlele ukuba ubonwe ngoompondo zihlanjiwe. Abacebisi zimali abaninzi ke nabo benza ngolo hlobo bafuna iingcebiso kubantu abanolwazi oluphangaleleyo kwezotyalomali kunye nezorhwebo. Udinga umcebisimali xa unemali eninzi. Ufumana uncedo kumcebisi zimali kuba uneenjongo ezicacileyo ngemali hayi kuba unemali eninzi. Kungaba kanti ucinga ukuthenga indlu, uqala usapho, ufuna ukundwendwela iindawo ezininzi okanye wenze ezinye izinto. Zonke ezi njongo okanye ezi zidingo ziza kuphuma kumvuzo omnye, ngako oko umele kukucwangcisa izinto ezibalulekileyo kuqala uze ujongane neendlela zokulondoloza imali, kulapho ke udinga khona iingcebiso. Xa ubomi buqhubekeka nezidingo zakho ziyatshintsha kwaye nezicwangciso zakho kumele zintshintshe. Abacebisi zimali bandibiza iimali ngengcebiso ebendingazifumana simahla. Abantu bathatha iingcebiso kubahlobo babo kunokuba bazithathe kubacebisi bemali kuba bebaleka ukubhatala. Ngelixa abahlobo bakho beza kukunika iingcebiso simahla kungenzeka ukuba uphoswa ziingcebiso ezakhayo ezisuka kumcebisi zimali. Ukusebenzisa omnye umzekelo, xa uthe wakhangela iimpawu zesigulo sakho kuGoogle lo nto ayithethi ukuba awuzomhlawula ugqirha xa uthe waya kuye. Qhagamshelana ne-Inkunzi Wealth Group ku 087 1600 018, okanye sithumelele i-emails: invest@iwgsa.co.za
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