Inkulumo Yesazi: Millenial HNIs And Wealth Management

Expert Talk Millenial Hnis



Ingcebo
Unyaka ka-2021 uqale ngokuphahlazeka okukhulu njengoba uphahla lwengilazi lwaphulwa ngabesifazane abanenhloso enamandla emhlabeni wonke. UKamala Harris uqophe umlando njengowesifazane wokuqala ukuba yiphini likamongameli wase-US. Ngemuva kokulandela lokhu kunqoba okumangalisayo, uWhitney Wolfe Herd, uMsunguli kanye ne-CEO yohlelo lokusebenza lokuqomisana uBumble, waba ngusozigidi omncane kunabo bonke owazakhela owesimame wobuchwepheshe ngemuva kokuba inkampani yakhe iphumele obala.

Ingcebo Isithombe: Shutterstock

Ngokusobala, akukho okuvimba abesifazane banamuhla ekufezeni amaphupho abo nokukhuphukela ezigabeni eziphakeme kakhulu zemikhakha yabo. Kwabesifazane abayizinkulungwane zeminyaka, umhlaba uyi-oyster yabo. Besekelwa yimfundo, abesifazane abayizinkulungwane zeminyaka babekeke kahle ukuze basebenzise amathuba amaningi manje angabahambela. Kodwa-ke, njengoba uphuma futhi uphula uphahla lwengilazi, kubalulekile kuwe ukuthi uqonde, ukuthi kanye nokuchofoza umsebenzi owesabekayo, kufanele futhi uhlele izimali zakho ngokuhlakanipha. Usuvele udala umcebo. Manje udinga ukuphatha, ukhule, futhi ugcine ingcebo yakho.

Ukwenza Izimali Zakho Njenge-Champ!

Njengowesifazane wesizukulwane seminyaka eyinkulungwane, kungenzeka ukuthi usanda kungena emsebenzini noma uneminyaka eyishumi nambili kuya kweyishumi nanhlanu emsebenzini wakho. Ngakho-ke, ngokubheka isikhathi sakho eside sokutshala imali, ungacabanga ukutshala okungenani ama-50% wephothifoliyo yakho kwizimali. Izimali, khumbula, iyimoto yokukhula kwesikhathi eside. Esikhathini esifushane, izimali zingashintshashintsha futhi zikhiqize izimbuyiselo eziphansi ziye kwezimbi. Kodwa-ke, esikhathini eside, bavame ukwenza kahle. Lokhu kungakusiza ukongela izinhloso ezinkulu njengokuthenga indlu noma ukudala isikhwama somhlalaphansi. Ngasikhathi sinye, kufanele uqinisekise ukuthi imali yakho ivikelwe kahle futhi iyakwazi ukuhlangabezana nezidingo zakho ezihlukile. Ngakho-ke, kufanele futhi ucabangele ukutshala ingxenye yemali yakho kwizikweletu ezihlangene kanye nezinhlelo zikahulumeni ezicacisiwe nezinhlelo zokutshala imali. Ngokusebenzisa indlela elinganiselayo, ungakhulisa futhi uvikele imali yakho.

Ingcebo
Isithombe: I-shutterstock

Okubalwe ngezansi kunemithetho embalwa yesithupha okufanele uyilandele lapho uqala uhambo lwakho lokuhlela ezezimali.

amakhambi enziwe enzelwe ukuvuselelwa kwezinwele
  • Wenze ingxenye enzima yokuhola imali, manje yisikhathi sokuvikela nokukhulisa leyo mali.
  • Uhambo lwakho lokonga nokutshala imali kufanele luqale ngokushesha nje lapho uqala uhambo lwakho lokuhola.
  • Kufanele ube ohlakaniphile ngesabelomali. I-mantra yakho kufanele njalo kube ukonga okuningi, ukuchitha kancane, futhi uthembeke ngemikhuba yakho yokusebenzisa imali.
  • Ungathembeli kumakhadi esikweletu ukuhlangabezana nezindleko zokubona noma ukukhokhela izinhloso zesikhashana.
  • Ungathathi isikweletu esikhulu, okusho ukuthi, izimalimboleko ezinkulu ekuqaleni komsebenzi wakho.
  • Uma uthathe imalimboleko, qiniseka ukuthi uhlala unama-EMIs abiza okungenani izinyanga eziyisithupha emotweni yokutshala imali ephephile.
  • Isihluthulelo sempumelelo yohlelo lwakho lokuphathwa kwengcebo ukwehluka - ngale ndlela iphothifoliyo yakho ngeke iphelelwe yimfashini.
  • Qala uHlelo Lokutshalwa Kwezimali Oluhlelekile (i-SIP) bese utshala kulo isikhathi eside - i-SIP iyimoto yokutshala imali ekuvumela ukuthi utshale inani elithile lemali kutshalo-mali oluthandayo nangezikhathi ezikufanela kahle. Ungaqala okuncane bese ukhulisa inani lokutshala imali ngokuhamba kwesikhathi.
  • Thenga inqubomgomo yomshuwalense engasiza ukunciphisa ubungozi bezimo ezingalindelekile.
  • Yiba nesimilo futhi ulandele uhlelo lwakho lokutshala imali ngobuhlakani.
  • Indlela ye-DIY ingahle ingasebenzi ngaso sonke isikhathi uma kukhulunywa ngokuphathwa kwengcebo.
  • Okubaluleke kakhulu, ungesabi ukuba nezingxoxo ngemali nokutshala imali.

Ungumuntu oyingqayizivele onesethi yakho yezimfuneko. Kufanele uqinisekise ukuthi uhlelo lwakho lwezezimali luhlukile ngokulinganayo futhi lubhekelela izidingo zakho ngokuphelele. Ingxenye enhle kunazo zonke ukuthi namuhla nawe uyakwazi ukufinyelela kuhlu olubanzi lwezixazululo zedijithali namathuluzi angabanjelwa ukuqonda kangcono nokuhlela izimali zakho. Lawa mathuluzi afaka izibali ze-SIP, izinhlelo zokusebenza zebhajethi nezinhlelo zokusebenza zokuhlela ezezimali. Ngokungangabazeki, kunzima ukungawunaki umuzwa wokweneliswa osheshayo bese uphikisana nomqondo we-You Only Live Once (YOLO). Kodwa-ke, ukuze uvikele ikusasa lakho, qhubeka nokuphila ngokwemigomo yakho bese ucabanga ukuqala uhambo lwakho lokuhlela umnotho namuhla.

Funda futhi: Ukuqonda Izidingo Zezimali Zezinkulungwane Zeminyaka