Amandla Amantombazane: Izinsimbi Zokukusiza Ufeze Izinjongo Zendodakazi Yakho Ezezimali

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ICovid-19 ibivutha bhe futhi izingxenye eziningana zaseMumbai bezivalelwe, kodwa lokho akuzange kumise uSarika Sinha ekunikezeni indodakazi yakhe isipho esihle kunazo zonke umzali angakwazi. Ngenyanga edlule, isazi sezimali esizinze eMumbai savula i-akhawunti kaSukanya Samriddhi Yojana yendodakazi yakhe uPraashvi, manje oneminyaka emibili. 'Ngizobeka isamba esingu-Rs 1.5 lakh kulesi sikimu minyaka yonke,' usho njalo. Abahleli bezezimali bathi uhlelo lukaSukanya luyindlela enhle kubazali abanamadodakazi angaphansi kweminyaka eyishumi. 'Lolu hlelo lunikeza imbuyiselo eqinisekisiwe, ngakho-ke kunokuhlanganiswa okungalindeleka kotshalomali minyaka yonke,' kusho uPrableen Bajpai, ongumsunguli nomlingani ophethe, iFinFix Research and Analytics. “Ngaphezu kwalokho, inzalo ayikhokhi intela ngokuphelele. Abazali akufanele baliyeke leli thuba, ”uyanezela.

Yize uhlelo lukaSukanya ngempela lukutshala imali okuhle, inkinga ukuthi kungenzeka lunganeli ukongamela imfundo uSinha acabanga ngayo ngendodakazi yakhe. Isikimu sinophahla lokutshalwa kwemali lwaminyaka yonke lwama-Rs 1.5 lakh. Futhi, inikeza inzalo engamaphesenti ayi-7.6 njengamanje, noma lokhu kungashintsha ngokuzayo. Ngokuthatha isilinganiso senzalo samaphesenti ayi-7.5 ngonyaka, izimali zikaSinha zizokhula zibe cishe ngama-rs 46.5 lakhs lapho uPraashvi oneminyaka emibili elungele ukuya ekolishi ngemuva kweminyaka engu-16. Leso yisamba esikhulu, kepha sizosilela kahle kunani elihlosiwe lama-Rs 1.1. Ukwehla kwamandla emali eNdiya kuphakeme kakhulu, izindleko zikhuphuka cishe ngamaphesenti ayisishiyagalolunye kuya kwayishumi minyaka yonke. Ama-Rs 25 lakh adingekayo ekolishi namuhla ngabe anyukele cishe ku-Rs 1.1 crore ngo-2036. Ukwengeza ikiti yekolishi likaPraashvi, uSinha nomyeni wakhe baqale ama-SIP ngezimali ezimbili ze-equity kanye nohlelo lwe-hybrid. Bafaka amaRandi ayizi-12 500 ngenyanga kulezi zinhlelo ezintathu. 'Sithathe inzalo ehlanganisiwe yamaphesenti ayishumi eminyakeni eyi-16 ezayo,' esho. Ukutshalwa kwemali kuzokhula kuze kufike kuma-Rs 60 lakh eminyakeni eyi-16, okuhambisana ne-Rs 46.5 lakh corpus yohlelo lukaSukanya.

Uma futhi ugcinela imfundo yendodakazi yakho, sebenzisa inhlanganisela yezimali zokulingana nezinsimbi zezikweletu ukuze ufinyelele umgomo wakho.

Ngaphandle kokuhlelela ama-Rs. I-1,16 crore yemfundo ephakeme kaPraashvi eminyakeni eyi-16, amaSinhas akhombe i-corpus ye-Rs 2.17 crore (Rs 40 lakh ngamanani wanamuhla). Ngale njongo yesikhathi eside kakhulu, bahlela ukuqala ama-SIP ngezimali ezimbalwa zokulingana nezama-hybrid. Uma kucatshangelwa ukubuya okuhlanganisiwe kwamaphesenti ayisishiyagalolunye, badinga ukutshala ama-Rs 20,000 ngenyanga. Uma lokho kuphezulu, bangaqala ngo-Rs 12,500 ngenyanga bese benyuka ngamaphesenti amahlanu minyaka yonke.

Ubungozi Bokwehla KweRupee

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AbakwaSinhas bathathe ukwehla kwamandla emali kwezemfundo ngamaphesenti ayishumi. Kodwa-ke, izindleko zingakhuphuka kakhulu kumuntu ohlose imfundo yezangaphandle yengane yakhe. Ukwehla kwenani lemali eliphansi uma liqhathaniswa nezimali ezinkulu kuzongeza umthwalo. Njengothango lokulwa nokwehla kwemali, abahleli bezezimali manje sebeluleka amaklayenti anjalo ukuthi atshale amasheya angaphandle noma athenge izimali ezihlangene ngokuvezwa ezimakethe zangaphandle. 'Umzali ohlela ukuthumela indodakazi yakhe phesheya ukuyofunda kufanele abe namaphesenti angama-30 esikhwama sakhe semali ezimpahleni zangaphandle,' kusho uDeepti Goel, osebenzisana no-Alpha Capital, inkampani eyeluleka ngezimali eDelhi. Umuntu angavula i-akhawunti ngendlu yabarhwebi bangaphandle noma inhlangano yaseNdiya esiza lokho kutshalwa kwezimali. Izingubo eziningi ezinjalo zivele ezinyangeni ezimbalwa ezedlule. Izindlu ezihola phambili zabathengisi baseNdiya nazo zinokuxhumana nabathengisi bamanye amazwe.

Kulula kakhulu ukutshala izimali ze-Exchange-Traded Funds (ETFs) ezixhunywe kuma-indices angaphandle. I-Motilal Oswal, ngokwesibonelo, ine-Nasdaq ETF edayiswa kuma-stock exchange eNdiya njenganoma isiphi esinye isabelo. Konke okudingayo yi-demat ne-akhawunti yokuhweba nomthengisi. Ungatshala futhi kwizimali ezihlangene kanye nengxenye ethile ye-corpus yabo etshalwe kumasheya angaphandle. Isibonelo, iParag Parikh Long Term Equity Fund itshala cishe amaphesenti angama-25 enhlangano yayo ezitokisini zase-US, kufaka phakathi i-Amazon, i-Alphabet ne-Facebook. Kepha kuzofanele ubhekisise lezi zimali nezimakethe zase-US.

Inzuzo Yokuqala Yezinyoni

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Noma ngabe utshala imali ezinhlelweni zemali engenayo noma izinketho ezixhumene nemakethe, gcina umthetho owodwa oyinhloko engqondweni: lapho uqala khona, kuzoba lula ukufinyelela kulokho okubhekiswe kukho. Ngeke kudingeke utshale imali encane kuphela, kepha futhi ngeke kudingeke ubeke izingozi ezinkulu kakhulu ngemali yakho. U-Atul Tater ozinze eDelhi uqale ukongela imfundo yendodakazi yakhe esenonyaka nje owodwa ubudala. Wathenga izinqubomgomo zomshuwalense wokuphila ezintathu ezazizokhula ngesikhathi u-Anoushka, manje eseneminyaka engu-16 ubudala, owayezolungela ukuya ekolishi ngo-2022. Uthi: “Eminyakeni eyishumi nanhlanu edlule, kwakungelula ukulahla ama-Rs 3 lakh ngonyaka, kodwa ukufundisa kwendodakazi yakhe kwakuwumgomo obalulekile kithina. ”

U-Atul noPreeti Tater baqala ukongela imfundo yendodakazi yabo lapho inonyaka nje owodwa ubudala. Batshale imali ekuhlanganeni kwezinqubomgomo zomshwalense wokuphila wendabuko kanye nezimali ezihlanganyelwayo zokulingana. Njengoba inhloso isisondela, kancane kancane bashintsha ama-mutus fund corpus abo kusuka ezinhlelweni zokulingana baye ezikweletini nasezimalini zemali. UTater wabona ukuthi izinqubomgomo zakhe zomshuwalense zizodwa ngeke zisize. Izinkampani zomshuwalense wokuphila zisebenzisa imbuyiselo ephelele ngokuphelele ngokugqamisa amanani amakhulu wokuvuthwa kwezinqubomgomo zendabuko zesabelo. Umtshalizimali uphuthelwa umthelela wamandla emali. Uma sithatha ukwehla kwamandla emali ngamaphesenti amahlanu, eminyakeni eyi-10, amandla okuthenga ama-Rs 10 lakh anciphisa afike kuma-Rs 6.1 lakh. Eminyakeni eyi-15, ingaphansi kwama-Rs 5 lakhs. Inani lokuvuthwa libonakale likhulu ngenkathi uTater ethenga izinqubomgomo zomshwalense, kepha ukwehla kwamandla emali kunciphise amandla abo okuthenga. Ngakho-ke, futhi utshale imali ngokuhlanganisa imali yokulingana kanye neye-hybrid ukukhulisa i-corpus. Yize utshalomali lwakhe luthole inzuzo enhle, uTater ubelokhu ehlakaniphile ekulawuleni ubungozi. 'Umgomo usalelwe yiminyaka emibili nje kuphela, ngakho-ke ngidinga ukunciphisa ukutholakala kotshalomali olungezwakali,' esho. Emnyakeni owodwa noma emibili edlule, uye wakunciphisa kancane kancane ukuvezwa kwezimali zamasheya futhi wathuthela ekuphepheni kwezikweletu nezimali eziketshezi.

Umphathi wePSU osethathe umhlalaphansi u-G.S. Prasad naye uyidlala ngokuphepha nge-Rs 25 lakh ayigcinele umshado wendodakazi yakhe eneminyaka engu-25 ubudala uSunitha. 'Cishe eminyakeni emibili eyedlule, ngakhipha imali kwizimali futhi ngayifaka kumasheya angaguquki,' kusho umhlalaphansi ozinze eBengaluru.

Iphothifoliyo yakhe yonke, kufaka phakathi ama-Rs 25 lakh adingekayo emshadweni wendodakazi yakhe, isezinsizakalweni zomholo ezihleliwe. Ngokungafani nabazali abaningi, uPrasad akafuni ukuthi amadodakazi akhe alandele ukwabiwa okulondoloziwe kwephothifoliyo yakhe. Esikhundleni salokho, ubeluleke ukuthi batshale izimali zezimali ngokusebenzisa ama-SIP.

Khanyisa Futhi Unike Amandla

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Ngaphandle kokonga imali yemfundo yabo nezinye izinhloso, abazali banganikeza amadodakazi abo okuthile okubaluleke kakhulu: banganika amantombazane abo amandla okuzimela ekusingatheni izimali zabo nasekulawuleni utshalomali lwabo. 'Umzali angaguqula impilo yezimali yendodakazi yakhe ngokuyifundisa izisekelo zezimali zomuntu siqu,' kubhala uPreety Pruthi, umqondisi weMyMoneyMantra. 'Ingane efunda ngokuphathwa kwemali isencane isizilungele kangcono izinselelo ezisezweni langempela.' Ukunikwa amandla kwezezimali kuzosiza nendodakazi yakho ukuthi ikhethe ukutshalwa kwezimali okufanele kwezinhloso zayo. UPrasad weluleka uSunitha ngezindaba zezezimali, futhi umazise nangezimali zama-equity ngokusebenzisa ama-SIP. Yize enakekela izimali zakhe, akaphoqi ukukhetha kwakhe kuye. Ngempela, asikho isizathu sokuthi iphothifoliyo yonjiniyela oneminyaka engu-25 ethola umholo omuhle kufanele ifane naleyo yomuntu osethathe umhlalaphansi. 'Ngibheke ukuphepha kuma-61, kepha, kuma-25, utshalomali lwakhe kufanele lubhekiswe ekukhuleni kwesikhathi eside,' esho.

Ukufunda ngezezimali ngeke kuvikele indodakazi yakho kuphela ekukhohlisweni nasekuthengisweni okungalungile, kepha kuzovikela ngisho namalungelo ayo emsebenzini nasekhaya. Njengoba uPruthi esho, asikho isikole noma ikolishi elifundisa amakhono okuphatha imali, ngakho-ke isibopho sikuwe ngokuphelele njengomzali ukubumba ikusasa lezezimali lengane yakho. Ungayigcini indodakazi yakho kude nezingxoxo zezezimali emndenini. Menze ingxenye yezinqumo zemali njenganoma ngubani omunye emndenini.

Unyaka wokugcina kube wukugeza, kanti uNyaka Omusha uthembisa ukugcwala iziQalo ezintsha. Futhi yilokho esifuna ukukugubha ngokukhishwa kokuqala konyaka omusha, kanye neminyaka eyishumi entsha. Sinezintombazane zekhava u-Deepika Padukone onikeza ukuqonda ukuthi usebenzelana kanjani nezikhathi eziphakeme nezimpilo nokunye okuningi. Siphinde sibe nemikhuba emisha yemfashini, ubuhle nokuningi kushicilelo lwakamuva lwe- Owesifazane India.