Ndeme dza kushumisele kwa masheleni kha vhashumi vhaswa
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Ndeme dza kushumisele kwa masheleni kha vhashumi vhaswa

Ndeme dza kushumisele kwa masheleni kha vhashumi vhaswa

U wana tsheke ya u thoma ya muholo ndi zwithu zwi nyanyulaho vhukuma nahone zwi anzela u vhanga dakalo ḽo kalulaho lune muthu a nga ‘ṱongisa kheshe’. Musi vha tshi tou hola lwa u thoma, hu vha na milingo minzhi ine ya thoma u ḓivhonandza u fana na u ḓidzhenisa kha dzigaraṱa dza zwikolodo, ovadrafuthi, garaṱa dza mavhengeleni, dzikhadzimiso, nz. Hezwi zwoṱhe zwo ṱangana na lutamo lwa u ‘khwinisa’ vhutshilo, zwi anzela u lwa na vhuḓifhinduleli havho vhuswa ha u vha mushumi. Vhuḓifhinduleli honohu vhu nga katela u renga zwithu hayani, u badela rennde, u dzhia ndindakhombo, u unḓa vhana, mbadelo dza pfunzo (na zwiṅwe zwinzhi).

 

Khombo ine vhunzhi ha vhashumi vhane vha khou thoma u shuma vha ṱangana nayo ndi ya uri hu vha hu si na nzudzanyo dza uri muholo wavho we vha u shumela zwi tshi vhavha vha ḓo u shumisisa hani. Zwi sia vhashumi vhenevho vho no shumisa tshelede lwo kalulaho na u dzhia tsheo dzo khakheaho dza kushumisele kwa tshelede. Uri vha zwi tinye, vha fanela u vha na pulane yavhuḓi ya kushumisele kwa tshelede ine ya katela kushumisele kwa tshelede kwa ḓuvha ḽiṅwe na ḽiṅwe nga u pulanela u notha havho. Musi vha tshi pulana, vha dzhia ndango ya vhutshilo havho malugana na kushumisele kwa tshelede nahone vha nga tinya thaidzo dza tshelede. Hu na zwiitisi zwivhili zwa ndeme zwo itaho uri Vhadzulapo vha Afrika Tshipembe vha swikaho 94% vha kundelwe u ḓiimisa lwa masheleni nga masheleni avho musi vha tshi notha:

Vha kundelwa u pulana zwavhuḓi lune vha kona u swikela zwipikwa zwavho zwa masheleni

Vha shumisa tshelede kha zwithu zwine vha zwi takalela vha ḓidzima kha zwine vha zwi shaya.

Zwino ha, iyi pulane i fanela u vha i na mini khayo nahone vha nga thoma hani u ita uri tshelede yavho i vha shumele u tou bva ḓuvha ḽine vha thoma u i shumela?

 

Haya ndi maṅwe a maga ane vha nga a tevhedza musi vha tshi dzudzanya kushumisele kwavho kwa tshelede.

 

Ḽiga ḽa 1: Vha sedzuluse tshiimo tshavho tsha zwino tsha matsheleni (ndo ima hani zwa zwino?)

Tshiimo tshavho tsha masheleni tsho imisa hani? Zwine vha fanela u zwi sedza musi vha tshi lavhelesa tshiimo tshavho tsha masheleni hu katelwa akhaunthu yavho, zwikolodo zwavho, khadzimiso dzavho na phoḽisi dziṅwe na dziṅwe dza u vhulunga masheleni kana dza u bindulisa dzine vha vha nadzo na ndaka yavho. Ndi zwa ndeme u ḓivha nga ha mishumo, mutakalo, muholo, mashumisele a tshelede na ndeme dza muṅwe na muṅwe wa vhathu vhane vha dzula navho muṱani. Musi vha tshi vha na tshifanyiso tsho fhelelaho tsha masheleni muṱani wavho zwi vha thusa u ḓivha ndeme dzavho dza masheleni musi vha tshi pulana mashumisele avho a masheleni u itela matshelo.

 

Ḽiga ḽa 2: Ndivho dza zwino, pfufhi na dza tshifhinga tshilapfu (ndi khou ṱoḓa u ḓivhona ndi ngafhi?)

Kha vha dzule fhasi vha topole zwipikwa zwine vha khou ṱoḓa tshelede yavho i tshi vha swikisa khazwo. Vha fanela u vha na zwipikwa zwa tshifhinga tshipfufhi (u vhulungela holodei, khushumisi, fanitshara, nz), zwipikwa zwa tshifhinga tsha vhukati (u fana na u vhulungela u renga goloi, nz.), zwipikwa zwa tshifhinga tshilapful (u vhulungela u renga nnḓu, pfunzo ya vhana, u notha, nz).

Tshiṅwe tsha zwithu zwa ndeme kha u wana mbofholowo ya masheleni ndi u dzhia u vhulunga na u bindudza sa dzone ndeme khulwane nga u ṱavhanya. Vhathu vha anzela u sa dzhiela nṱha ndeme ya nzwalelombumbano (nzwalelo dza khomphaundu). Kha ri sedze tshifanyiso tshi re afho fhasi:

Sipho, Thandi, John na Ricardo vhuṋa havho vha vhulunga R100 nga ṅwedzi nga 8% nga ṅwaha u swikela vha tshi fara miṅwaha ya 60. Muṅwe na muṅwe wavho o thoma a na miṅwaha yo fhambanaho na ya vhaṅwe. Sipho o thoma a na miṅwaha ya 20, Thandi a na 30, John a na 35 na ngeno Ricardo o thoma a na 40. Kha vha sedze thebulu i re afho fhasi vha vhone uri muṅwe na muṅwe wavho u ḓo vha a na vhugai musi a tshi fara miṅwaha ya 60.

 
SIPHO
THANDI
RICARDO
JOHN
Miṅwaha ya u thoma
20
Miṅwaha ya u thoma 30
Miṅwaha ya u thoma 35
Miṅwaha ya u thoma 40
Zwibviswa nga ṅwedzi
R100
Zwibviswa nga ṅwedzi
R100
Zwibviswa nga ṅwedzi
R100
Zwibviswa nga ṅwedzi
R100
Phimo ya nzwalelo
8%
Phimo ya nzwalelo
8%
Phimo ya nzwalelo
8%
Phimo ya nzwalelo
8%
Mbuelo musi a na miṅwaha ya 60
R349 100.78
Mbuelo musi a na miṅwaha ya 60
R149 035.94
Mbuelo musi a na miṅwaha ya 60
R95 102.64
Mbuelo musi a na miṅwaha ya 60
R58 902.04
 

Sa zwine vha khou zwi vhona, u ṱavhanya u thoma u vhulunga zwi a fhedza zwo vha vhuyedza. Musi vha tshi ṱavhanya u ḓivha zwipikwa zwavho, vha a ṱavhanya u shuma vho livhana nazwo, zwa fhedza zwo vha thusa kha u zwi bveledza. Ndi zwa ndeme u ḓivha uri zwipikwa na ndeme zwi a shanduka  musi miṅwaha i tshi khou ḓi anda i tshi ya, zwenezwo vha fanela u sedzulusa zwipikwa zwavho miṅwaha ya rathi miṅwe na miṅwe u vhona arali zwi tshe zwo dzula zwavhuḓi.

 

Ḽiga ḽa 3: Kha vha ṅwale mugaganyagwama

Mugaganyagwama ndi pulane yo tou ṅwalwaho ine ya dodombedza nḓila ine vha ḓo shumisa ngayo masheleni avho. Mugaganyagwama u tevhekanya muholo na zwirengwa zwavho zwoṱhe. Tshihulwane kha u ita mugaganyagwama ndi u fulufhedzea kha iwe muṋe uri u shumisa hani masheleni. Vha thome nga u ṅwala zwithu zwoṱhe zwine vha fanela u zwi badela na uri ndi vhugai ine vha fanela u i badela. Hezwi ri ḓo zwi vhidza uri ‘ṱhoḓea’ nahone zwi fanela u vha zwone zwa u ranga. Kha ṱhoḓea hu nga katelwa zwiḽiwa, vhudzulo, vhuendi, mishonga, dziakhaunthu dzine dza fanela u badeliwa, pfunzo, muleli wa ṅwana, muḓagasi na maḓi. Hezwi ndi zwone zwiteṅwa zwine vha fanela u zwi badela. Musi vha saathu u humbula u ita tshikolodo na tshithihi vha fanela u khwaṱhisedza uri ndifho ya hone a i nga vha thithisi kha u badela ṱhoḓea dzavho.

 

Musi ṱhoḓea dzavho dzo no ṱaluswa na u dzheniswa kha mugaganyagwama vha nga ḓi thoma u anganya zwithu zwa vhuḓimvumvusi – zwa u ḓitakadza. ‘Zwa u ḓitakadza’ ndi zwine vha nga kona u tshila vha si nazwo kana ‘zwa u dzingadza’. Ndi zwa ndeme u ṱalusa zwithu zwine zwa vha zwa u ḓitakadza na u zwi lavhelesa zwavhuḓi. Zwa u ḓitakadza zwi nga kha ḓi vha u ya holodeini kana luṱingo luswa lwa smart. A hu na tsho khakheaho kha u tama u vha na hezwi zwithu vha zwi vhea sa zwone malamba avho a u ḓilivhuwa musi vho no kona shuma nga nungo vha vhulunga masheleni u itela uri vha kone u ḓi rengela zwa u ḓitakadza.

 

Vhupulani ha zwa masheleni vhu nga ḓi pfala vhu tshi konḓa vhukuma nahone vhu ha ndeme arali vho ḓiimisela u swikela ndivho dzavho. Kha vha humbule nga u ḓiwanela Mupulani wa zwa Masheleni a re na Ṱhanziela (Certified Financial Planner (CFP)) uri a vha thuse kha u dzudzanya vhumatshelo havho ha zwa masheleni. Vha nga kwama Tshiimiswa tsha Vhupulani ha Masheleni (Financial Planning Institute) kha 086 1000 FPI (374), www.fpi.co.za uri vha wane CFP wa vhupo ha havho.

U thoma u shuma zwi a nyanyula zwa dovha zwa tshuwisa. U bva kha muholo wavho wa u thoma u swikela kha wa u fhedzisela vha ḓo fanela u vha vha na pulane ya masheleni ine ya vhea zwithu zwa ndeme kha vhone phanḓa ha zwithu zwoṱhe. Vha sedzuluse hei pulane misi yoṱhe uri vha dzule vho ima zwavhuḓi. Vha humbule uri u ṱavhanya havho u pulana masheleni zwi na mbuelo dzavhuḓi dza masheleni dza matshelo.  

-MAGUMO -