Ngaba ungasebenzisa ukurhoxa kwakho komhlalaphantsi weembiza ezimbini ukuze uthenge iBitcoin?
Ukutsalwa kweembiza ezimbini zogcino yimali osele unayo, erhafiswa okwesibini xa usendleleni. Ukusukela nge-1 Septemba 2024 amalungu engxowa-mali yaseMzantsi Afrika akwazile ukuthatha isixa-mali esinye ngonyaka kwicandelo logcino kwaye asichithe kuyo nantoni na, kuquka ne-Bitcoin. Ngoko ke impendulo kumbuzo okwisihloko sithi ewe, unako. Nokuba kufuneka incoko eyahlukileyo, kwaye ijika phantse ngokupheleleyo kwirhafu oyihlawulayo ukuze ufumane imali ezandleni zakho.
Ukuthathwa okungundoqo
Ukurhoxiswa kwembiza yogcino kongezwa kumvuzo wakho kwaye kurhafiswe ngesantya sakho esisezantsi, hayi ngexabiso lenzuzo eyinkunzi elithe latsalwa yintengiso yeBitcoin kamva. Le rhafu ikhawuleza kwaye iqinisekile ngelixa i-Bitcoin ibuya ayikho. Kubantu abaninzi, ukondla ingeniso yenyanga entsha kwiBitcoin kubetha i-cannibalizing imbiza yomhlalaphantsi ekhuselwe irhafu. Imeko engaqhelekanga imxinwa: umlinganiselo ophantsi womyinge, i-horizon ende kwaye akukho mthombo ungcono wemali. Iingxowa-mali zomhlalaphantsi ngokwazo azikakwazi ukubamba i-Bitcoin ngokuthe ngqo, ngoko ke ukurhoxa kuphela komnyango okhoyo.
Abathengi baqale ukubuza malunga noku kwiiveki nje zenkqubo iqala ukusebenza. Umnini-shishini waseGeorge wayibeka ngokucacileyo xa esitya ikofu: wayene-R48,000 ehleli kwimbiza yakhe yokonga kwaye wayefuna ukwazi ukuba ukuyitsalela i-Bitcoin kububulumko na okanye yindlela yokutyebisa iNkonzo yeRhafu yoMzantsi Afrika (SARS). Ngumbuzo olungileyo kwaye impendulo enyanisekileyo yeyokuba kuxhomekeke kwinani elinye awayengekasebenzi.
Indlela inkqubo yeembiza ezimbini eyahlula ngayo imali yakho
Uhlaziyo oluqale ukusebenza ngomhla woku-1 kuSeptemba 2024 luqingqe ingxowa-mali yakho yomhlalaphantsi yazinxalenye ezintathu. Imbiza egciniweyo igcina yonke into obuyiqokelele ukuza kuthi ga kulo mhla kwaye igcina imithetho emidala, itshixelwe kude ude urhoxe okanye urhoxe. Imbiza yomhlalaphantsi ithatha isabelo esikhulu segalelo elitsha ngalinye kwaye ihlala ingachukumiseki de ibe ngumhlala-phantsi, ukuze indawo yengxowa-mali ikhuseleke. Imbiza yokonga ithatha okuseleyo kwaye kuphela kwenxalenye onokuyifikelela kwangoko.
Ungathatha enye imali kwimbiza yokonga ngonyaka werhafu, ngokuxhomekeke kubuncinci obuncinci. Xa usenza njalo, ingxowa-mali ihlawula isixa-mali kwi-akhawunti yakho yebhanki kwaye iyixele kwi-SARS.
Nantsi indawo ekhwelisa abantu phezulu. Ukuhoxiswa akusiyo mboleko kwaye akusiyo isiganeko esiyinkunzi. Yongezwa kumvuzo wakho orhafiswayo wonyaka kwaye irhafiswa ngalo naliphi na iqondo lomda elihlala kuwo. Thatha ama-R30,000 ngonyaka xa ingeniso yakho ephezulu irhafiswa kwisibiyeli esiphakathi kwaye isixa esinentsingiselo saloo R30,000 singaze sifike kuwe. Iyacuthwa phambi kokuba imali ifike, kwaye ukuba ingxowa-mali yakho ibanjiwe ngaphantsi, i-SARS iqokelela isilela xa ufaka ifayile. Olo phawu lulodwa, irhafu yengeniso endaweni yerhafu yenzuzo enkulu, sisizathu esipheleleyo esifuna ukucinga ngaso kunokuba sicinge.
Kukho indleko yesibini engazange ibonakale kwisatifikethi serhafu. Imali oyitsalayo kwimbiza yogcino yimali engasadibaniyo ngaphakathi kwingxowa-mali ukuya kumhlalaphantsi ebekelwe bucala. Awuhlawuli rhafu kuphela namhlanje, ucutha isiseko ebesikuthwala xa unamashumi asixhenxe. Ukuba olo rhwebo lufanelekile ukwenza kuxhomekeke ngokupheleleyo kwinto oyenzayo ngemali kunye nokuba uyibambe ixesha elingakanani.
Qhuba inombolo phambi kokuba wenze enye into
Yonke into esezantsi komlambo ixhomekeke kumfanekiso wakho wasemva kwerhafu, ngoko ke yibale kuqala kwaye uyibale ngononophelo. Irandi eshiya ingxowa-mali asiyiyo irandi ethenga iBitcoin. Ukurhoxa kwisibiyeli somda ophakathi kulahlekelwa ngcono kunesinye kwisithathu sako ukurhafisa ngalo mzuzu ivavanywayo, kwaye ukurhoxa komntu ofumana umvuzo ophezulu kufutshane nesibiyeli esingaphezulu kulahleka phantse kwisiqingatha. Yintoni esindayo yibhajethi yakho yokwenyani yeBitcoin.
Ngoku bamba laa manani ashwabeneyo ngokuchasene nenye indlela ecacileyo yokuthenga i-Bitcoin ngemali osele unayo ngaphandle kwengxowa-mali. Loo mali ayirhafiswa xa ingenayo. Akukho nto ijongwayo phambi kokuba isetyenziswe. Ithenga isixa esipheleleyo namhlanje, kwaye xa ekugqibeleni uthengisa, yinzuzo kuphela ehlawuliswa irhafu, kwaye kuphela kwimali ekhaphukhaphu ekhaphukhaphu kakhulu efumana unyango. Indlela yeembiza ezimbini iqala ugqatso ngalunye ubude ngasemva, kuba uhlawule irhafu yengeniso kuyo yonke intlawulo yokurhoxiswa ngaphambi kokuba kuthengwe i-satoshi enye.
Lowo ngumgibe kwisivakalisi esinye.
Umsantsa uyacutha ngaphezu kobude obude ngokwaneleyo. Ukuba i-Bitcoin yenza le nto iyenzileyo kwimijikelo yeminyaka emininzi edlulileyo, i-stake encinci emva kwerhafu isadibana ibe yinto ekufanele ukuba nayo, kwaye ukuchetywa kweenwele zokuqala kunobunzima obungaphantsi kokujonga kwakho. Andinakuze ndithengise oko ngokuqinisekileyo. Imijikelo edlulileyo ayithembisi nto malunga nokulandelayo. Ibamba kuphela ukuba i-Bitcoin iyayixabisa ngokunyanisekileyo kwiminyaka oyibambe ngayo, kwaye ukuba iyakhukuliseka emacaleni okanye iwa uye wahlawula irhafu yengeniso ngelungelo lesikhundla esibi. Ityala lonke lihlala ngexesha kunye nokukholelwa, yiyo loo nto ndithetha nabathengi yintoni Bitcoin ngokwenene hedges phambi kokuba siye naphi na kufutshane nengxowa-mali yabo yomhlalaphantsi.
Buyela kumnini-shishini waseGeorge kunye ne-R48,000 yakhe. Sakuba sisebenzise iqondo lakhe lomda, inani eliseleyo eliza kufikelela kwintengo yeBitcoin lalincinci kunenani elikwisiteyitimenti sengxowa-mali yakhe. Ubuye wafumana ibhonasi ngoMatshi eyayiza kwenza umsebenzi ofanayo ngaphandle kwerhafu yokurhoxisa konke konke. Wayishiya imbiza yodwa waza wamisela ukuthenga kwenyanga kwibhonasi endaweni yoko. Leyo ayisiyompendulo yakhe wonke umntu kodwa yayiyimpendulo yakhe ngokucacileyo kwaye wayibona kanye kanye ukuba inani lokwenyani lithathe indawo yebhalansi yakhe yentloko.
Inani liyagqiba. Ibali eliyingqongileyo alifane lenze njalo.
Xa utsala imbiza yokonga iyakhuseleka
Oku kunengqiqo yokwenene kwabanye abantu. Ukuba uhlala kwizinga eliphantsi lomda, ukuhlawula irhafu kuncinci kwaye isibalo sasemva kwerhafu sihlala sisondele kwisixa sentloko, esitshintsha i-arithmetic ngokupheleleyo. Ukuba unemali yembiza yokonga uqinisekile ukuba awusayi kuyidinga iminyaka, imali efumana ireyithi encinci ngelixa ukunyuka kwamaxabiso kuyitya, ukuyisusa kwi-asethi enqabileyo lukhetho oluhambelanayo. Kwaye ukuba uyigqibile eminye imithombo yakho yemali kwaye ufuna ukubonakaliswa kweBitcoin ngaphezulu kunokuvumela umvuzo wakho, imbiza ifikeleleka.
Intambo eqhelekileyo ngumonde. Oku kusebenza kuphela njengokuhamba kwexesha elide, uqeqesho olufanayo olwenzayo ukuthenga ngokuthe chu kunokuthenga zonke ngaxeshanye indlela endikhokelela kuyo phantse wonke umntu. Ukurhoxiswa oceba ukukubamba iminyaka elishumi sisicwangciso. Ukutsalwa kwemali onokuthi ukoyike-ukuthengisa kwi-drawdown elandelayo yimpazamo nje ebiza kakhulu kunye namanyathelo ongezelelweyo.
Uyishiya nini imbiza kanye apho ikhoyo
Ungayichukumisi ukuba uneendleko zokwenyani kwi-horizon. Uphahla olufuna ukutshintshwa, iifizi zesikolo eGeorge okanye eJoburg, imoto eqhwalelayo, ezo zezogcino olufikelelekayo hayi kwi-asethi enokuncipha ngesiqingatha ngekota. I-Bitcoin likhaya elingalunganga lemali onokuthi uyifune kungekudala, kwaye ndithethe kakhulu kubathengi abafuna ukuva ngokuchaseneyo.
Ungayichukumisi ukuba urhola kakhulu. Kufuphi nesibiyeli esisesona siphezulu somda unikezela ngesabelo esikhulu solondolozo lwakho lomhlalaphantsi kwifiscus kuphela ngenyhweba yokufikelela kuyo kwangethuba, kwaye olo lurhwebo olulambathayo nantoni na eyenziwa yiBitcoin ngokulandelayo.
Ungayichukumisi ukuba ukugwetywa kwakho kuyagungqiswa, kuba ixabiso lerhafu elithile lifanelwe yithisisi oyikholelwa ngokwenene. Kwaye ungayichukumisi ukuba unebhonasi, unyuso okanye ingeniso yentsalela eqhelekileyo ezayo, kuba ingeniso entsha efakwe ngenyanga yenza umsebenzi ofanayo ngaphandle kokubangela irhafu yokurhoxisa konke konke. Ukulinda imali osele uyityala akubizi nto. Elo nqaku lokugqibela yeyona nto abantu abaninzi abayihoyanga kwaye idla ngokuba yimpendulo.
Amanyathelo asebenzayo ukuba uqhubela phambili
Qinisekisa nomlawuli wengxowa-mali yakho ukuba utsala kwimbiza yokonga kwaye awuphathanga ngempazamo imali oyiphathisiweyo, kuba ezi zimbini zirhafiswa ngokwahlukileyo kwaye nonyango lunokuba mandundu. Buza inani lomyalelo werhafu ukuze wazi isixa sakho sesambuku phambi kokuba uzibophelele kunokuba emva koko. Emva koko unyaniseke kuwe malunga ne-horizon: ukuba kukho naliphi na ithuba olifunayo le mali phakathi kweminyaka emihlanu ezayo, ukuguquguquka kweBitcoin kwenza ukuthengiswa okunyanzeliswayo ekunciphiseni ingozi yokwenene, kwaye loo mngcipheko wedwa kufuneka umise ukurhoxiswa.
Xa imali ifika, yiphathe njengayo nayiphi na enye into ethengiweyo yeBitcoin kwaye uyikhusele ngokufanelekileyo. Ndisusa uninzi lwabathengi ukusuka ekuthengeni kokuqala ukuya ekuzigcineni okukhokelwayo njengoko ukubamba kukhula, kunye nezikhundla ezinkulu kwiVault, ukuseta i-multisig apho kungekho sitshixo esinye sinokuhambisa iingqekembe. Emva koko chaza ukurhoxa ngokuchanekileyo kwi-ITR12 yakho. Ibonakala ngokupheleleyo kwiirekhodi ze-SARS, ngoko ke akukho nto inokuzuzwa ngokuyiphatha njengayo nayiphi na into ngaphandle kwengeniso erhafiswayo. Ukuba kukho nakuphi na koku kwenzelwa ikamva labantwana bakho kunowakho umhlalaphantsi, ucoceko luhlala lukwahlukileyo. icebo elide-elide elakhiwe egameni labo ukusuka ekuqaleni.
Kutheni le ngxowa-mali ingenakukuthenga nje i-Bitcoin kuwe
Abantu babuza ngokufanelekileyo ukuba kutheni kufuneka barhoxe kwaye barhafiswe kuzo zonke, kunokuba ingxowa-mali ibambe isiqwenga seBitcoin ngendlela ebamba ngayo izabelo. Impendulo kukuba umthetho uyakwalela oko. Ummiselo we-28 we-Pension Fund Act uhlonyelwe ukususela kwi-3 kaJanuwari 2023 kwaye ngoku ichaza ngokucacileyo ukuba i-fund ayinakutyala imali kwi-crypto assets. Abalawuli bathathe eso sikhundla ngezizathu zokungazinzi kunye nemo yolongamelo kushishino, kwaye iyasebenza kwiingxowa-mali zomhlalaphantsi kunye nezikimu zotyalo-mali ezidityanelweyo ngokufanayo. Akukho kwi-fund ye-Bitcoin inketho, kungakhathaliseki ukuba imveliso ithengiswa njani kuwe.
Ke ukurhoxiswa kweembiza ezimbini akuyondlela enye phakathi kwezinto ezininzi. Yeyona ndlela kuphela esuka kugcino lwakho lomhlalaphantsi ukuya kwiBitcoin, kwaye iza nerhafu yengeniso esangweni.
Ukuba lo mgaqo ukhe watshintsha, izibalo zitshintsha ngokupheleleyo, kuba iinzuzo ezidityanisiweyo ngaphakathi kwingxowa-mali ekhuselweyo zinokubetha kwaloo nzuzo irhafiswayo kwindlela yokuphuma. Akukho mqondiso wokuba iyatshintsha okwangoku. Isizathu esinzulu sokubamba i-Bitcoin ngaphandle kwenkqubo yerandi kwindawo yokuqala ayitshintshanga nokuba: ubuthathaka obufanayo bemali obubonakala kwi-akhawunti yeBhanki enguVimba yaseMzantsi Afrika (SARB) ngokwayo, apho ugcino lohlaziyo kwizabelo zamazwe angaphandle luye lwanda kwi-R500 yeebhiliyoni ngo-2024 emva kweminyaka engamashumi amabini yokuhla kwerandi. Ndalibeka ngokupheleleyo elo bali kwenzeka ntoni kugcino lwakho, kwaye yimvelaphi yayo nganye yezi ncoko.
Imibuzo ebuzwa qho
Yintoni inkqubo yomhlalaphantsi yeembiza ezimbini?
Ukususela ngomhla woku-1 kuSeptemba 2024 inkqubo yohlula-hlula imali yomhlalaphantsi ibe ziinxalenye ezintathu. Imbiza yokonga inokucofa kube kanye ngonyaka werhafu, kunye nokurhoxiswa kongezwe kumvuzo wakho kwaye kurhafiswe ngesantya sakho esisezantsi. Imbiza yomhlalaphantsi ihlala itshixiwe de urhoxe, ikhusela injongo yengxowamali. Yonke into obuyigcinile ngaphambi kwaloo mhla ihleli kwimbiza ephantsi kwemithetho yakudala.
Ngaba ndingasebenzisa ukurhoxiswa kweembiza ezimbini ukuthenga iBitcoin?
Ewe. Nje ukuba imali yembiza yokonga ifike kwiakhawunti yakho yebhanki yimali eqhelekileyo kwaye akukho mntu uyalela ukuba wenze ntoni ngayo, ibandakanyiwe neBitcoin. Akukho sithintelo kwinkcitho. Owona mbuzo ngowokuba ingaba iyavakala na xa sele uphendule ngerhafu yengeniso oyihlawulayo ukuyirhoxisa kunye nemali eyongayo yomhlalaphantsi oyinikezelayo kwinkqubo.
Lithini ixabiso lerhafu lokutsalwa kweembiza ezimbini zokonga?
Ukurhoxiswa kongezwa kwingeniso yakho erhafiswayo yonyaka kwaye kurhafiswe ngesantya esisezantsi kunexabiso elincinci lenzuzo eyinkunzi. Ukurhoxiswa komntu okwisibiyeli esiphakathi uphulukana bhetele nesiqingatha sayo kwirhafu, kwaye umntu ofumana imali eninzi kufutshane nesibiyeli esingaphezulu ulahlekelwa kufutshane nesiqingatha. Uhlawula ngokufanelekileyo ukufikelela kwimali oyongele umhlalaphantsi kwangoko, ngoko ke inani eliseleyo lilo elibalulekileyo, ngaphezu kwesixa-mali sentloko.
Ngaba ingxowa-mali yomhlalaphantsi ingatyala imali kwiBitcoin ngokuthe ngqo?
No. Ummiselo we-28 we-Pension Fund Act uhlonyelwe ukususela nge-3 kaJanuwari 2023 kwaye uthi i-fund ayinakutyala imali kwi-crypto assets. Isithintelo esifanayo sisebenza kwizikim zotyalo-mali oludityanelweyo. Yiyo loo nto ukurhoxiswa kwembiza yogcino kukho njengeyona ndlela yodwa esuka kwimali yomhlalaphantsi iye kwiBitcoin, kwaye kutheni ithwala irhafu yengeniso enokuthi ithintelwe kutyalo-mali lwengxowa-mali.
Bala inombolo phambi kokuba urhoxe
I-SimplB inceda abemi boMzantsi Afrika ukuba benze ubungakanani bokurhoxiswa kweembiza ezimbini ngokunyanisekileyo kwaye babeke nantoni na abayithengayo elugcinweni olufanelekileyo, njengoMmeli osemthethweni we-CAEP Asset Managers (FSP 33933).
Incwadi ifowuni yeBitcoin yeembiza ezimbini