Riaan Ukwehla kwamandla emali kuyindaba echaza umnotho walo nyaka. Sibona izimpawu ezicacile lapho izinkampani zamatekisi zinyusa amanani okokuqala ngqa eminyakeni eyishumi futhi imali yokugibela izithuthi zomphakathi izonyuswa ngokuhamba kwesikhathi ngoDisemba 2022. Ngaphezu kwalokhu, izinkampani zezinsiza nazo zinyusa amanani, futhi amanani okudla kanye nezakhiwo nawo akhuphuka ngamanani aqophayo.
Ukwehla kwamandla emali okuphakeme manje kuyiqiniso eliwumgogodla wempilo abaningi bethu okufanele babhekane nakho, ikakhulukazi kwabancane beminyaka eyinkulungwane kanye namaGen Z abahlala eSingapore. Yingakho abaningi babo baye bazwakalisa ukukhathazeka kwabo ngemiphumela yokwehla kwamandla emali emiphakathini eku-inthanethi egxile ezezimali njenge The Burrow by DBS.
Njengobuso obusha emsebenzini, abantu abasha beminyaka eyinkulungwane kanye nama-Gen Z bavame ukuhola kancane kunozakwabo abadala, okusho ukuthi bangase babe nemali encane yokusebenzisa kodwa basadinga ukonga.
Eqinisweni, ucwaningo olwenziwa yi-DBS lubonise ukuthi amaphesenti angama-40 abathengi asebabona ukukhula kwemali engenayo kusalele ngemuva kokwehla kwamandla emali. Lokhu kuthinta ikakhulukazi abasebenzi bokuqala, njengoba kuzothatha isikhathi eside ukuthi bakhulise amaholo abo.
Ukwengeza, izinkulungwane zeminyaka nama-Gen Zs zanamuhla kungenzeka zibe isizukulwane sesemishi maduze – abantu abadala abasekela abazali asebekhulile nezingane. Izibopho zezimali ezikhuphukayo ezihlangene nezintengo ezikhuphukayo zingaholela ezinseleleni zezimali ezikhuphukayo.
Ukonga kunzima kakhulu, kodwa kusadingeka
Izindleko zokuphila ziye zenyuka kakhulu phakathi neminyaka edlule, okwenza kubize kakhulu ukondla abathandekayo babo ngokwezimali – kungaba abazali babo noma izingane.
KuJiaming, 26, maduze kuzomele anakekele abazali bakhe asebethathe umhlalaphansi. Ngokuhambisana nezinhlelo zokubeka phansi futhi aqale owakhe umndeni, uyazi ukuthi udinga isu lokulondoloza elinolaka.
Usebenzisa isilinganiso sika-S$800 ngenyanga. Umsebenzi wakhe wosuku njengomhlaziyi wokutshalwa kwezimali esikhwameni se-VC uwumthombo wakhe omkhulu wemali engenayo, futhi unezinzuzo ezingafinyeleleki ngokutshalwa kwezimali okuhlukahlukene.
Uvumile ukuthi waqala ukukhathalela kakhulu ezezimali eminyakeni embalwa edlule, lapho ephuka eneminyaka engu-23.
“Ngangisele no-S$19 ebhange, ngabona ukuthi ukwehluleka kwami ukuphatha izimali kwakuyisizathu. Kube wukuvuka okukhulu kimina,” ekhumbula. Kungalesi sikhathi lapho ebone khona ukubaluleka kokuphathwa kwezimali ngobuhlakani.
Njengamanje, imali engiyisebenzisayo ikakhulu ezokuthutha. Ngizigcina ngiziphatha ngendlela efanele ngokwaba amaphesenti omholo wami osetshenziswayo – amaphesenti angama-50 ezokuthutha, amaphesenti angama-30 awokudla, amaphesenti ayishumi kunoma yiziphi izidingo zokuthenga, nokunye okunye okungase kuvele.
– Jiaming, 26, umhlaziyi wokutshalwa kwezimali esikhwameni se-VC
Kodwa umthelela wokwehla kwamandla emali kuyinselele ukuwunqoba ngisho nangezinyathelo eziqinile, futhi akuwona wonke umuntu ozonethezeka nge-austerity enjalo. Kulabo abanamandla amancane okonga, kungasho isidingo soshintsho olukhulu lwendlela yokuphila.
“Sengiqalile ukuzwa ukwehla kwamandla emali. Manje sekumele ngiziqaphele kakhulu izindleko zami, futhi ngizithola ngigodla ukusebenzisa imali, ikakhulukazi uma kukhulunywa ‘ngezinto engizifunayo’,” kusho uLisa, 23, ozakwabo kwezokukhangisa.
Kusukela ngaleso sikhathi wehlise ezindlekweni zokuzibonela njengamaphakheji okuqina, futhi wenza umgomo wokonga cishe u-S$2,000 njalo ngenyanga.
Kungelinye lamasu angaguquki kakhulu engiwasebenzisayo. Ngokushesha ngemva kokukhokhelwa, ngigcina imali yami engiyilondolozile ku-akhawunti ehlukile futhi ngiyoyivala, ukuze ngingabi namandla ngendlela engisebenzisa ngayo imali.
– ULisa, 23, umlingani wokumaketha wokusebenza
Cishe iningi lethu lihlala ndawana thize phakathi. Njengoba ukwehla kwamandla emali kuthinta wonke umuntu, ukunciphisa ukusetshenziswa kwemali kunzima – kodwa kuyadingeka – isinyathelo sonke okufanele sisithathe.
Izenzo ezinjalo kungaba nzima ukuzenza uwedwa, kodwa kuba lula uma unontanga abazokusiza kulolu hambo. I-Burrow yenza lokho kanye – ivumela abantu ukuthi bahlangane ndawonye njengoba babelana futhi bathola izixazululo endaweni yokusebenzelana eku-inthanethi.
Nakuba amanye amalungu exoxa ngendlela engcono kakhulu yokunciphisa izindleko, amanye akhuluma ngezindlela zokuvikela ukonga emiphumeleni yokwehla kwamandla emali.
Kunendlela elula yokulwa nokwehla kwamandla emali
Abantu abadala abasebasha banesikhundla esiyingqayizivele ekulweni nokwehla kwamandla emali. Ukuba nochwepheshe bezobuchwepheshe kanye nokufinyelela ezinsizeni eziningi ze-inthanethi kungase kubenze bakwazi ukwenza izinqumo ezinolwazi lwezezimali, kodwa baphinde baphonselwe inselelo ukugcwala kolwazi. Kudingeka bahlonze ngokucophelela ukuthi yini eyiqiniso, yini ekhona manje, nokuthi yini ezobasebenzela kangcono.
Kukhona nokuphepha, noma ukunethezeka, ngezinombolo. Nakuba izinkulungwane zeminyaka eminingi zibhekene nokungaqiniseki kwezezimali, ukuxhumana nabanye esikebheni esifanayo noma labo abaphumelele ukwehla kwamandla emali kungaba umthombo wolwazi oluwusizo noluthembekile.
Ngenhlanhla kaJiaming, abangani bakhe babekulungele futhi bezimisele ukunikeza iseluleko sokuthi banganciphisa kanjani izindleko futhi bonge okwengeziwe.
Kodwa-ke, akubona bonke abanenhlanhla yokuba nabangane abafuna ukukhuluma ngemali, ikakhulukazi abangani abazimele ngokwezimali futhi abasesimweni sokunikeza iseluleko esiwusizo. Yilapho imiphakathi eku-inthanethi efana ne-The Burrow isiza khona.
Amalungu akhululekile ukuxoxa nokwabelana ngezinkinga zawo zezezimali, futhi kunochwepheshe abaningi bemboni nabanye abantu lapho abanganikeza imininingwane efanele kanye nemibono ethakazelisayo.
Kukhona nokuhlaziywa okujulile kokuthi ungayikhulisa kanjani imali yakho naphezu kokwehla kwamandla emali, kanye nemikhiqizo yokutshalwa kwezimali, amasu namathuluzi angakusiza ukufeza izinhloso zakho zezimali.
Uzizwa unamahloni kakhulu ukubamba iqhaza ku-inthanethi? I-Burrow inesici sokuthumela esingaziwa, esisusa ukukhathazeka abanye abangase bakuzwe lapho bebuza imibuzo noma babelana ngama-POV.
Zonke izindaba zemali kuxoxwa ngazo ku-The Burrow, okuhlanganisa nokuphathwa kwemali, ukugebenga ngokusetshenziswa kwemali yakho ngokugcwele, ngisho nemicimbi yokuxhumana nomphakathi.
Kulabo abacabanga ngokuhlela imali yomndeni, kukhona POSB Abazali, umphakathi okhethelwe omama nobaba. Uma ungathanda ukuhlinzeka kangcono umndeni wakho okhulayo futhi ufunde ukufundisa izingane zakho imikhuba emihle yemali kule nkathi yedijithali, leli qembu elakho.
Noma ubani ojoyinayo angalindela amathiphu okuthi angayigxilisa kanjani imikhuba emihle yokwenza imali kubantwana babo, kanye nokuqukethwe kokuhlela kwezimali komndeni ukuze kuzisize zifinyelele iziqongo ezibalulekile zomndeni wabo. Uma ubufuna ukulondolozela lolo hambo lomndeni kodwa ungayitholanga indlela enhle yokwenza kanjalo, leli kungase kube yithuba elilungile lokuthola ukuthi kanjani, futhi uthole okuningi eholidini lakho.
Kodwa uma izingxoxo zingeyona into yakho, kukhona futhi I-DBS Yabantu Abadala Abancane iqembu kuTelegram. Kuyisiteshi esisebenza ngendlela eyodwa lapho i-DBS/POSB yabelana khona ngamathiphu okuthi ungazimela kanjani ngokwezimali, okuhlanganisa nolwazi oluncane lokutshala izimali, kanye nokugebenga kwemali nempilo yabafundi kanye nalabo abaqala umsebenzi.
Le miphakathi eku-inthanethi iwusizo kakhulu ekutholeni ulwazi lwezezimali nokuzigcina unolwazi lwakamuva, okubalulekile uma usebenza shaya ukwehla kwamandla emali.
Ngaphandle kokukuxhumanisa nabantu abanomqondo ofanayo, umphakathi uhlale uqaphela izisombululo eziningi ze-DBS/POSB zokukusiza unqobe ukwehla kwamandla emali njengokwendlalela imali yakho. Isiphindaphinda futhi I-POSB Yonga Njengoba Uhola (SAYE) ama-akhawunti ukuze uthole inzalo eyengeziwe.
Ungakwazi futhi ukusebenzisa ithuluzi lokuhlela le-digibank (‘Ithebhu yokuhlela’) ukuze ulandelele izimali zakho futhi uthole izeluleko eziqondene nawe zezimali. Kuyindlela elula kakhulu yokuthola umbono ogcwele wesimo sakho semali ngenxa yezigaba ezizinikele zokugeleza kwemali, imigomo yezezimali, ukutshalwa kwezimali, ngisho nomshwalense.
Ukonga okuningi nokunciphisa ukusetshenziswa kwemali, nokho, kungakuthatha kuze kube manje. Njengoba ukwehla kwamandla emali kusho ukuthi imali yakho ingathenga okuncane, abanye bangase bacabangele ukuhlola ukutshalwa kwezimali njengendlela yokuzivikela ngokumelene nokwehla kwamandla emali. Kubantu abadala abasebasha nanoma ubani odinga ukunezela kancane ekutshaleni imali, ukuqala ngo-S$100 ngenyanga kuyindlela yokuhamba nohlelo oluvamile lokonga njenge Invest-Savernoma ezimbili izinketho ezintsha ze-digiPortfolio.
Kulabo abanethemba lokukhulisa ukonga kwabo lapho besebenzisa izidingo zansuku zonke, bangacabangela okusha Ikhadi le-DBS yuu, Ikhadi le-POSB lansuku zonkenoma Passion POSB Debit Card ukuze uthole imali eyengeziwe.
Ngisho nalabo abangenayo i-PayLah! noma usebenzise noma yimaphi amakhadi ashiwo ngenhla, kukhona ezinye izindlela zokonga, nganoma yini kusukela ekudleni ukuya kokuzijabulisa, noma ngisho nokuthenga igrosa. Ikakhulukazi, i- I-POSB Lobang Kit iqukethe amadili angaphezu kuka-24,000 ongayijabulela nganoma yiliphi ikhadi le-DBS/POSB.
Umshwalense nawo ungase ube yikhanda elibuhlungu kubantu abaningi abancane beminyaka eyinkulungwane kanye nama-Gen Z, njengoba kunezinhlelo eziningi ezitholakalayo emakethe. Ngenhlanhla, kunezinhlelo zomshwalense wezindleko eziphansi ezihlinzeka ngekhava eliphelele ngo-S$5 nje ngenyanga, njenge VikelaKuqala.
Ekupheleni kosuku, imikhankaso ehlukahlukene, imikhiqizo namathuluzi ezezimali ahlinzekwa yi-DBS/POSB akhona ukuze akusize ulwe nokwehla kwamandla emali. Uma ungazi ukuthi ungaqala kuphi, joyina imiphakathi yayo ethembekile ku-inthanethi ukuze uthole usizo.
Manje uyazi ukuthi kufanele uye kuphi:
Lesi sihloko sabhalwa ngokubambisana ne-DBS Bank.
Ikhredithi Yesithombe Esifakiwe: Getty Commercial
