Ukugqiba ekubeni uyawuthatha umhlala-phantsi sisigqibo esikhulu kwaye ayisosithatha lula.
Kufuneka uqwalasele zonke izinto ezintle nezimbi zokuthatha umhlalaphantsi, kwakunye nemeko yakho yezemali, phambi kokuba wenze olu khetho lubalulekileyo. Usenokuba ukufutshane neminyaka yokuthatha umhlala-phantsi okanye sele uthabathe umhlala-phantsi, kodwa usazibuza ukuba ngaba ukhethe ixesha elifanelekileyo lokuthatha umhlala-phantsi.
Phola. Kungakhathaliseki ukuba yintoni imeko yakho yemali yangoku, akukho ndlela yokwazi ngokuqinisekileyo ukuba ukhethe ixesha elifanelekileyo lokuthatha umhlalaphantsi.
Inyaniso kukuba, awukwazi ukuqikelela oko kuya kwenzeka kwixesha elizayo; awazi ukuba ukunyuka kwamaxabiso kuza kuthoba intlawulo yakho yomhlalaphantsi na, okanye ukuba amatyala onyango aya kunyuka ngamandla, nto leyo eyenza kube nzima ukuba uphile ngomvuzo wakho womhlalaphantsi.
Iindaba ezimnandi zezokuba unganciphisa le mingcipheko ngokwenza izigqibo ezikrelekrele kwangethuba. Ke nokuba uneminyaka engama-20, engama-30, okanye usekupheleni kweminyaka engama-50, nantsi yonke into ekufuneka uyazi malunga nokukhetha ixesha elifanelekileyo lokuthatha umhlala-phantsi.
Leliphi elona xesha lilungileyo lokuthatha umhlala-phantsi?
Ngokwesiko, uninzi lwabantu luthatha umhlala-phantsi kwiminyaka engama-60.
Nangona kunjalo, ungacinga ngokuthatha umhlala-phantsi malunga nama-58 ukuba ukwicandelo labucala. Nangona kunjalo, lixesha elininzi lokuchitha kwiklasi yabasebenzi. Okubuhlungu kukuba, abantu abaninzi bayaqonda ukuba xa befikelela kwiminyaka engama-60 ubudala, baye bangakwazi ukwenza okuthile.
Kungakhathaliseki ukuba usempilweni kangakanani na, xa kufikelelwa ekuthabatheni umhlala-phantsi uneminyaka engama-60 ubudala, usenokungakwazi ukunandipha ubomi ngendlela obuya kuba nayo xa ubudla umhlala-phantsi kwiminyaka elishumi ngaphambilana. Ngenxa yoku, sibona umkhwa okhulayo wokuthatha umhlala-phantsi kwangethuba.
Abantu abaninzi baye baqaphela iinjongo zabo zemali kwaye baye baqinisekisa ukuba bathatha umhlala-phantsi kwiminyaka eyi-40. Nangona oku kuyamangalisa, kungenakukhetha wonke umntu.
Kwaye ngokuqinisekileyo ayilonani elibanjiswayo lonke lomhlalaphantsi.
Ukukuxelela inyani, akukho nombolo yomlingo xa kufikwa ekumiseleni ixesha lokuthatha umhlalaphantsi. Kunoko, kufuneka ugxininise ekwenzeni uzinzo usukelo lwakho. Ixesha elifanelekileyo lokuthatha umhlalaphantsi iyakuba kuxa unemali eyaneleyo yokuphumla kwaye wonwabele ubomi.
Kufuneka kwakhona ucinge (ngokokubaluleka) ukuba wenza malini ngenyanga nganye, uhlobo olunjani lwendlela yokuphila oyifunayo, ixesha elide kangakanani usebenza, kwaye mingaphi iminyaka oza kusebenza ngayo wakuba urholile.
Iindlela Zokumisela Ubudala obuLungileyo boMhlalaphantsi
Zininzi izinto eziqwalaselwayo xa kufikwa kwisigqibo sokuba uwulungele na umhlala-phantsi. Nazi ezinye zeengcebiso zethu eziphezulu zokukwenza ucinge:
Betha ukutywinwa okusemthethweni
Ngokomthetho , abaqeshi babucala kufuneka baqinisekise ukuba abasebenzi babo bamiselwe umhlala-phantsi kwiminyaka engama-58 ubudala. Nangona kunjalo, ukuba ukwicandelo likarhulumente, akukho nombolo emiselweyo.
Kufuneka uqhagamshelane nesebe lakho le-HR ukuze ubone ukuba lubandakanya ntoni na uluhlu lwabo. Ukuba ukwicandelo labucala kwaye umqeshi wakho akanayo iminyaka esemthethweni yokuthatha umhlala-phantsi, eyona nto ingcono onokuyenza kukuhamba kakuhle.
Cinga Ngenjongo Yobomi Bakho
Esinye sezizathu ezenza abantu bathathe umhlala phantsi kwangethuba kukuba bathathe isigqibo sokulandela “ubizo” okanye amaphupha abo.
Basenokugqiba kwelokuba bakhenkethe ihlabathi, baqalise ishishini, okanye bafudukele kwesinye isixeko. Nokuba athini na amaphupha abo, kuya kufuneka babe nemali eyaneleyo yokwenza loo maphupha abe yinyani.
Qwalasela Usukelo Lwakho Lomsebenzi
Elona xesha lilungileyo lokuthatha umhlala-phantsi kuxa umsebenzi wakho ukhokelele kumsebenzi owonwabileyo kwaye unokukunika umvuzo oncumisayo. Ukuba uwufumene lo msebenzi, oko kuthetha ukuba uwenzile umsebenzi wakho wasekhaya.
Kukwathetha ukuba uya kukwazi ukuchitha umhlalaphantsi wakho usenza into ekwenza wonwabe.
Nangona kunjalo, ukuba awukawufumani lo msebenzi okwangoku, ixesha elifanelekileyo lokuthatha umhlala-phantsi iya kuba xa (unethemba) liza kwixesha elizayo. Nokuba imeko iyintoni na, kungcono ukufumana ikhondo lomsebenzi kunokuthatha umhlala-phantsi ngaphandle kwawo.
Ukhuseleko lwezezimali
Ukuba unengxaki yokuhlawula amatyala akho okanye ukuziphilisa, akunyanzelekanga ukuba ulinde de kufike ixesha lomhlalaphantsi lemveli. Kungcono ukuba uthathe umhlala-phantsi phambi kwexesha kwaye usebenze okwethutyana ukuba oko kuya kukuvumela ukuba wenze njalo hlawula amatyala akho.
Kuxhomekeke kwixesha lakho imeko yezemali , umhlala-phantsi usenokungabi yinto efanelekileyo kuwe de kube kamva ebomini. Ukuba oku kunjalo, gxila ekuhlawuleni amatyala akho kunye ukonga imali ukuze kuthi kwakufika ixesha, ube uyilungele.
Iintlobo ezahlukeneyo zeNgeniso yomhlalaphantsi
Zintathu iindlela ezingundoqo zomvuzo womhlalaphantsi: ipenshoni, i-annuities, kunye nokonga. Apha ngezantsi, sikucalula ngokwemigaqo enokugaywa ngakumbi.
Pensions
A umhlala-phantsi yintlawulo eyenziwa ngurhulumente onokuthi ulindele ukuyifumana emva kokufikelela kwiminyaka yomhlalaphantsi. Lilungelo lakho ukufaka ibango le pension xa uhlangabezana nemigaqo ebekwe ngumqeshi wakho, kwaye inokusekwa nokuba mingaphi iminyaka owusebenzeyo okanye ixesha elide ubusenkonzweni.
Izibonelelo
Ezi ziyafana neepenshoni ngokuba zombini ziindlela zomvuzo womhlalaphantsi kwixesha elizayo. Nangona kunjalo, kukho umahluko omnye obalulekileyo - imali zisekelwe kwisixa semali onayo kwisicwangciso somhlalaphantsi, ngelixa imali yomhlalaphantsi isekelwe kwisithuba seminyaka esebenzayo.
Ngeemvumelwano zeannuity, unokufumana iintlawulo ngonyaka okanye ngamaxesha.
Ingcamango emva kwee-annuities zonyaka kukuba iyavakala xa ufuna ukufumana iintlawulo kanye ngonyaka emva kweminyaka yakho yomhlalaphantsi. Ngakolunye uhlangothi, i-periodical annuities isekelwe kwixesha eliqingqiweyo.
Iiannuity zikwathandwa phakathi kwabadla umhlala-phantsi kuba babonelela ngengeniso ezinzileyo. Ngale nto engqondweni, abantu abaninzi bakhetha tyala imali ukonga kwabo kwiikhontrakthi zonyaka.
Lo ndolozo
Iakhawunti yokonga okanye iakhawunti yebhanki yindawo entle yokuqala ukonga kwakho komhlalaphantsi. Eyona nto ingcono ngolu hlobo lwe-akhawunti kukuba ungenza ukutsala imali nanini na xa ufuna, ngokungafaniyo ne-annuity.
I-Takeaway
Nokuba uthatha umhlala-phantsi phambi kwexesha okanye hayi, ixesha elifanelekileyo lokuthatha umhlala-phantsi liyahluka kumntu nomntu.
Eyona nto ibalulekileyo kukuqinisekisa ukuba uzinzile ngokwasezimalini. Nje ukuba ufezekise ezi khrayitheriya zimbini, kukuwe ukuba ufumanise ukuba leliphi ixesha elifanelekileyo kuwe.
Enkosi ngokufunda! Ndiyathemba ukuba usifumene siluncedo esi sikhokelo. Ukuba unemibuzo emininzi, nceda ungalibazisi ukufikelela!
Shiya iMpendulo