Ngesizathu esithile, kukholakala ukuthi ukonga, ukutshala imali nokunye ukutshalwa kwezimali kungumsebenzi wabesilisa. Bathi abesifazane bangakwazi ukuhlela isabelomali somndeni esikhona njengamanje - futhi lokho kwanele. Izinkinga ezibucayi zezezimali kufanele zixazululwe amadoda - angithi, kunzima, kuyingozi futhi kudinga ulwazi olukhethekile… Ngabe kunjalo ngempela? Ake sikuthole!
Eqinisweni, ilungelo eliqinile labesilisa ezindabeni zokuhlelwa kwezezimali, empeleni, ukubandlulula okuthile kanye nokunanela kwangaphambilini. Kulezi zinsuku, abesifazane abaningi ngokwengeziwe ababandakanyeki nje kuphela ekuxazululeni izingqinamba zezimali zomndeni, kepha futhi baqhuba ibhizinisi labo, bathathe izinqumo zesikhathi eside futhi bahlele nokutshalwa kwezimali okusebenzayo nokutshalwa kwezimali.
Ngasikhathi sinye, uma ukuqhuba ibhizinisi lakho kusadinga imfundo ekhethekile noma ulwazi oluningi olusebenzayo, ukuhlela ukutshalwa kwezimali kwesikhathi eside komndeni kufinyeleleka kithina ngamunye wethu!
Njengamanje, kunezinhlelo eziningi emakethe ezikuvumela ukuthi utshale imali ngempumelelo nangomnotho noma imali oyisebenzisayo, hhayi nje ukuqinisekisa inzuzo yayo yesikhathi eside, kepha futhi nokuqinisekisa ngokuthembeka izingozi zakho. Ikakhulu, izinhlelo zomshuwalense wempilo yotshalomali (IOL) zingesinye sezibonelo ezinhle zotshalo-mali olunjalo.
Izinhlelo ze-ILI ziyithuba elilungile hhayi nje lokuqinisekisa impilo yakho kuphela, kodwa futhi nokutshala imali ngobuhlakani nokwengeza izimali zakho, ukuzakhela uhlobo “lomshoshaphansi wokuphepha” wena nabathandekayo bakho. Ngamanye amagama, umshwalense wokutshala imali ungenye yezinsimbi ezisebenzayo zezezimali ezisetshenziselwa ukuhlela izabelomali zomndeni nezomuntu siqu. Futhi ukuphathwa okufanele kwezezimali, uyabona, kungenye yezikhiye eziphambili zokuphumelela kwezobuchwepheshe nezomuntu siqu!
Umongo wezinhlelo zomshuwalense wokuphila utshalomali ulula kakhulu: ama-premiums omshuwalense awagcini nje ngobungozi obujwayelekile bohlelo lomshuwalense, kodwa futhi akuvumela ukuthi uthole imali engenayo ephezulu kakhulu, kanye nembuyiselo eqinisekisiwe yotshalo-mali. Ngalokhu, inkampani yomshwalense itshale imali yakho ngobungcweti, ihlanganisa izinsimbi zezezimali ezinenzuzo ephezulu nezinsimbi ezinembuyiselo eqinisekisiwe.
Ngasikhathi sinye, konke ukutshalwa kwezimali kuvikelwe ngokuya ngomthetho weRussian Federation, izinkokhelo zomshuwalense azikhokhiswa intela, futhi imali etholwayo ikhokhiswa intela kuphela uma yeqa isilinganiso sezezimali kabusha.
Kubalulekile ukuqonda ukuthi izimali ezitshaliwe ngaphansi kohlelo lwe-ILI azikho ngaphansi kokudliwa noma ukuphikisana ngezindaba zamafa. Ngaphezu kwalokho, njengomzuzi (okungukuthi, umuntu ozothola zonke izinkokhelo), ungacacisa hhayi wena wedwa, kodwa nezihlobo nabangane - isibonelo, izingane noma abazali asebekhulile. Ngale ndlela, ungabanikeza isiguqo sezezimali esizimele.
Futhi-ke, lapho ukhetha uhlelo olufanele lomshuwalense wokuphila, kubaluleke kakhulu ukukhetha inkampani yomshuwalense efanele ezotshala umndeni noma imali yomuntu siqu! Omunye wabaholi emakethe yomshuwalense wempilo yinkampani ye-Ingosstrakh-Life, okufanele ukuthi ibe nedumela njengenye yezinkampani ezinokwethenjelwa futhi ezinzile lapho ungabeka imali yakho khona.
Uma unemibuzo, ongoti benkampani bahlala bejabule ukweluleka amaklayenti abo abangahle babe khona futhi bachaze ngendlela efinyelelekayo yokuthi umshwalense wokutshala imali ulula, uyaqondakala futhi unokwethenjelwa.