Ukutshala imali eNingizimu Afrika kuyindlela yokufaka imali ezimpahleni ngethemba lokuthi izokhula, ikhiqize imali engenayo noma kokubili. Ngokungafani nokonga okuvamile, ukutshala imali kunganciphisa ukuqiniseka kokuthi inani lokuqala lizohlala lingashintshile. Amasheya amele ingxenye encane yobunikazi benkampani. Amasheya amaningi aseNingizimu Afrika adayiswa ku-JSE, i-Johannesburg Stock Exchange, nakuba abantu bengathola futhi ithuba lokutshala ezinkampanini nasezimakethe ezingaphandle kweNingizimu Afrika. Amabhondi ayimalimboleko enikezwa uhulumeni, inkampani noma omunye okhiphayo. Umtshali-zimali angathola inzalo nokubuyiselwa kwemali ngokwemibandela, kodwa okhiphayo angabhekana nezinkinga zezimali futhi amanani emakethe angashintsha. I-unit trust iqoqela imali kubatshalizimali abaningi bese iyisebenzisa ukuthenga iqoqo lezimpahla. I-exchange-traded fund, noma i-ETF, ingolunye uhlobo lokutshala imali oluqoqiwe, oluvame ukulandela iqoqo lamasheya, amabhondi noma esinye isilinganiso semakethe, futhi idayiswa ngepulatifomu yokutshala imali. Izakhiwo zingaba utshalomali oluqondile uma umuntu ethenga isakhiwo noma umhlaba, noma olungaqondile ngesikhwama sezakhiwo. Izakhiwo zingakhiqiza irenti noma zikhule ngenani, kodwa kubiza ukuzithenga, kunzima ukuzithengisa ngokushesha futhi zithintwa izikhala ezingaqashiwe, ukulungiswa nezimo zomnotho. Imikhiqizo yomhlalaphansi, njengamalungiselelo empesheni, amalungiselelo esikhwama sesibonelelo noma ama-retirement annuity, yenzelwe ukuhlela umhlalaphansi wesikhathi eside. I-akhawunti Yokonga Engakhokhiswa Intela ihloselwe ukutshala imali isikhathi eside inempatho yentela ekhethekile, kodwa imithetho nemikhawulo yayo kufanele kuqondwe ngaphambi kokuyisebenzisa. Izingozi zivela ekwehleni kwamanani, ekwehleni kwamandla emali, ekushintsheni kwezinhlobo zemali, ekusabalaliseni izimali ngokungafanele, enkohlakalweni, ezinkokhelweni nasekuthengiseni ngesikhathi esingafanele. Isikhathi eside singasiza ukuphatha ukushintsha kwamanani kwesikhashana, kodwa asikuqedi ukuba khona kokulahlekelwa. Umtshali-zimali ocabangayo uqala ngenhloso, imali ebekelwe izimo eziphuthumayo nohlelo olucacile. Qhathanisa izinhlobo zezimpahla, izindleko, imithetho yokufinyelela, indlela yentela, ukulawulwa komhlinzeki nesikhathi esilindelekile, futhi ugweme imikhiqizo engenakuchazwa ngamagama alula.
Ukutshala izimali eNingizimu Afrika
Ukutshala izimali eNingizimu Afrika kusho ukufaka imali ezimpahleni ezingakhula noma zikhiqize imali engenayo ngokuhamba kwesikhathi. Izinketho ezivamile zihlanganisa amasheya, amabhondi, ama-unit trust, ama-exchange-traded fund, izakhiwo nemikhiqizo yomhlalaphansi exhumene nezimakethe zaseNingizimu Afrika noma zamazwe ngamazwe. Konke ukutshala imali kunengozi, ngakho ukukhetha okufanele kuncike esikhathini, enjongweni, olwazini nasemandleni okubhekana nokulahlekelwa.
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