Ungakwazi yini Ukusebenzisa Ukuhoxiswa Kwakho Kwezimbiza Ezimbili Ukuze Uthenge I-Bitcoin?
Ukuhoxiswa kwamabhodwe okulondoloza amabhodwe amabili yimali osuvele unayo, ekhokhiswa intela okwesibili lapho uphuma. Kusukela mhla lu-1 kuMandulo wezi-2024 amalungu esikhwama saseNingizimu Afrika akwazile ukuthatha inani elilodwa ngonyaka engxenyeni yokonga futhi alisebenzise kunoma yini, kuhlanganise ne-Bitcoin. Ngakho impendulo yombuzo osesihlokweni ithi yebo, ungakwazi. Ukuthi kufanele yini kube yingxoxo ehlukile, futhi ijika cishe ngokuphelele enteleni oyikhokhayo ukuze uthole ukheshi ezandleni zakho.
Ukhiye wokuthatha
Ukuhoxiswa kwebhodwe lokulondoloza kwengezwa emalini yakho engenayo futhi kukhokhiswa intela ngenani lakho eliphansi, hhayi ngenani lenzuzo yemali elincane elihehwa ukudayiswa kwe-Bitcoin kamuva. Leyo ntela iyashesha futhi iqinisekile ngenkathi ukubuya kweBitcoin kungekho. Kubantu abaningi, ukuphakela i-Bitcoin iholo elisha lanyanga zonke kudlula ukudla ibhodwe lomhlalaphansi elivikelwe intela. Okuhlukile kuncane: izinga eliphansi le-marginal, umkhathizwe omude ngempela futhi awukho umthombo ongcono wemali. Izimali zomhlalaphansi ngokwazo namanje azikwazi ukubamba i-Bitcoin ngokuqondile, ngakho-ke ukuhoxa kuwukuphela komnyango okhona.
Amaklayenti aqale ukubuza ngalokhu emasontweni ambalwa uhlelo luba bukhoma. Umnikazi webhizinisi waseGeorge wakubeka kwacaca mayelana nekhofi: wayenemali engu-R48,000 ehlezi ebhodweni lakhe lokonga futhi wayefuna ukwazi ukuthi ukuyikhipha ukuze athenge i-Bitcoin kwakuhlakaniphile noma kuyindlela yokucebisa i-South African Revenue Service (SARS). Umbuzo olungile futhi impendulo eqotho ukuthi kuya ngenombolo eyodwa abengakayisebenzisi.
Indlela uhlelo lwamabhodwe amabili luyihlukanisa kanjani imali yakho
Uguquko olwaqala ukusebenza mhla lu-1 kuMandulo wezi-2024 lwaqopha isikhwama sakho somhlalaphansi saba izingxenye ezintathu. Ibhodwe elibekiwe liphethe yonke into obusuyiqongelele kuze kube yileso sikhathi futhi igcina imithetho emidala, ivaleleke kude uze usule noma usule. Ibhodwe lomhlalaphansi lithatha ingxenye enkulu yawo wonke amagalelo amasha futhi lihlala lingathintwa kuze kube umhlalaphansi, ukuze iphuzu lesikhwama livikeleke. Ibhodwe lokonga lithatha okusele futhi ukuphela kwengxenye ongayifinyelela kusenesikhathi.
Ungathatha imali eyodwa ebhodweni lokonga unyaka ngamunye wentela, kuye ngenani elincane eliphansi. Uma wenza kanjalo, isikhwama sikhokha inani ku-akhawunti yakho yasebhange bese siyibika ku-SARS.
Nansi ingxenye ekhuphula abantu. Ukuhoxiswa akusona isikweletu futhi akuwona umcimbi wemali. Yengezwa emalini yakho engenayo ekhokhiswa intela yonyaka futhi intela nganoma yiliphi izinga lemali engenayo elihlala kulo. Thatha u-R30,000 ngonyaka lapho ingxenye yakho ephezulu yemali engenayo ikhokhiswa intela kubakaki abaphakathi nendawo futhi ingxenye ephusile yalowo R30,000 ingafinyeleli kuwe. Icutshungulwa ngaphambi kokuba imali ifike, futhi uma isikhwama sakho sigodliwe kancane, i-SARS iqoqa okushodayo lapho ufaka. Leso sici esisodwa, intela yemali engenayo esikhundleni sentela yenzuzo enkulu, yisona sizathu esenza lesi sinqumo sidinge ukucabanga ngaso kunokuba sicabange.
Kunezindleko zesibili ezingalokothi zivele kusitifiketi sentela. Imali oyikhipha ebhodweni lokulondoloza imali engasahlangani ngaphakathi esikhwameni ibheke emhlalaphansi ebekelwe yona. Awukhokhi intela kuphela namuhla, unciphisa isisekelo ebesihloselwe ukukuthwala usuneminyaka engamashumi ayisikhombisa. Ukuthi lokho kuhweba kufanelekile ukwenziwa kuncike ngokuphelele kulokho okwenzayo ngemali kanye nokuthi uyibambe isikhathi esingakanani.
Qalisa inombolo ngaphambi kokwenza noma yini enye
Yonke into eza phansi komfula incike enanini lakho lentela yangemva kwentela, ngakho-ke ibale kuqala bese uyibala ngendlela efanele. Irandi elishiya isikhwama akulona irandi elithenga iBitcoin. Ukuhoxa kubakaki abaphakathi nendawo kulahlekelwa okungcono kunengxenye yesithathu yakhona ukukhokhiswa intela ngesikhathi kuhlolwa ngaso, futhi ukuhoxa komuntu ohola kakhulu eduze kwabakaki abaphezulu kulahlekelwa cishe uhhafu. Okusindayo yisabelomali sakho sangempela seBitcoin.
Manje bamba leso sibalo esinciphile ngokumelene nenye indlela ecacile yokuthenga i-Bitcoin ngemali osuvele unayo ngaphandle kwesikhwama. Leyo kheshi ayikhokhiswa intela lapho ingena. Akukho okufinyezwayo ngaphambi kokuthi kusetshenziswe. Ithenga inani eligcwele namuhla, futhi lapho ekugcineni uthengisa, inzuzo kuphela ekhokhiswa intela, futhi kuphela ngemali ephansi kakhulu ezuza ukwelashwa. Umzila onezimbiza ezimbili uqala umjaho ngamunye ubude ngemuva, ngoba ukhokhe intela yemali engenayo kukho konke ukuhoxiswa ngaphambi kokuthi kuthengwe i-satoshi eyodwa.
Lolo wugibe emushweni owodwa.
Igebe liyancipha ngaphezu komkhathi eside ngokwanele. Uma i-Bitcoin yenza lokhu ekwenzile kuyo yonke imijikelezo yeminyaka eminingi edlule, isiteki esincane sangemva kwentela sisahlangana sibe okuthile okufanele ukuba nakho, futhi ukugunda izinwele kwentela kokuqala kuba nesisindo esincane uma ubheka phambili. Angisoze ngakuthengisa lokho njengesiqiniseko. Imijikelezo edlule ayithembisi lutho ngokulandelayo. Ibamba kuphela uma i-Bitcoin ikwazisa ngokweqiniso phakathi neminyaka oyibambile, futhi uma ikhukhuleka ibheke emaceleni noma iwe uvele ukhokhe intela yeholo ukuze uthole ilungelo lesikhundla esibi kakhulu. Icala lonke limiswe ngesikhathi kanye nokugwetshwa, yingakho impela ngikhuluma namakhasimende lokho Bitcoin empeleni hedges ngaphambi kokuthi siye noma yikuphi eduze kwesikhwama sabo somhlalaphansi.
Buyela kumnikazi webhizinisi waseGeorge kanye no-R48,000 wakhe. Lapho sesilitholile inani lakhe elilinganiselwe, inani eliphelele elingafinyelela ekuthengeni kwe-Bitcoin lalincane ngokwezinto ezibonakalayo kunenombolo yesitatimende sesikhwama sakhe. Uphinde waba nebhonasi ngoMashi ebizokwenza umsebenzi ofanayo ngaphandle kwentela yokuhoxiswa nhlobo. Washiya ibhodwe lodwa futhi wabeka ukuthenga kwanyanga zonke ebhonasi esikhundleni salokho. Akuyona impendulo yawo wonke umuntu leyo kodwa kwacaca ukuthi yimpendulo yakhe futhi wayibona kanye nje inombolo yangempela ithatha indawo yebhalansi yakhe yesihloko.
Inombolo iyanquma. Indaba ezungezile ayivamile ukwenza.
Lapho edonsa imbiza yokonga kuyinto defensible
Lokhu kwenza umqondo wangempela kwabanye abantu. Uma uhlala esilinganisweni esiphansi se-marginal, intela yokulunywa incane futhi isibalo sangemva kwentela sihlala siseduze nenani lesihloko, elishintsha izibalo ngokuphelele. Uma unemali yebhodwe lokonga uqinisekile ukuthi ngeke uyidinge iminyaka, imali oyithola ngenani elincane kuyilapho ukwehla kwamandla emali kuyidla, ukuyiyisa endaweni eyivelakancane kuwukukhetha okuhambisanayo. Futhi uma usuyiqedile eminye imithombo yakho yemali futhi ufuna ukuchayeka kwe-Bitcoin ngaphezu komholo wakho okuvumelayo, ibhodwe lingakwazi ukufinyeleleka.
Intambo evamile ukubekezela. Lokhu kusebenza kuphela njengokuhamba komkhathizwe omude, isiyalo esifanayo esenzayo ukuthenga kancane kunokuba konke ngesikhathi esisodwa indlela engiqondisa ngayo cishe wonke umuntu. Ukuhoxa ohlela ukukubamba iminyaka eyishumi kuyisu. Ukuhoxa ongase ukudayise ekudonseleni phansi okulandelayo kuyiphutha elibizayo nje elinezinyathelo ezengeziwe.
Ukushiya nini ibhodwe lapho likhona
Ungayithinti uma unezindleko zangempela eduze komkhathizwe. Uphahla oludinga ukushintshwa, imali yesikole eGeorge noma eGoli, imoto exhugayo, lezo ngezemali ezongiwe okufinyeleleka kalula kuzo hhayi ezempahla engase yehle ngekota. I-Bitcoin iyikhaya elingalungile lemali ongase uyidinge maduze, futhi ngikhulume okuningi kumakhasimende afuna ukuzwa okuphambene.
Ungayithinti uma uhola kakhulu. Eduze kobakaki abaphezulu be-marginal unikeza ingxenye enkulu yemali oyongele umhlalaphansi ku-fiscus ukuze nje ube nelungelo lokuyifinyelela kusenesikhathi, futhi lokho kuwukuhweba okungekuhle noma yini eyenziwa yi-Bitcoin ngokulandelayo.
Ungayithinti uma ukulahlwa kwecala lakho kuntengantenga, ngoba izindleko zentela ezithile zifanelwe yithisisi oyikholelwayo ngempela. Futhi ungayithinti uma unebhonasi, ukukhushulwa noma imali engenayo ejwayelekile ezayo, ngoba imali entsha engenayo ekhishwa nyanga zonke yenza umsebenzi ofanayo ngaphandle kokubangela intela yokuhoxiswa nhlobo. Ukulinda imali osuke uyikweleta akubizi lutho. Lelo phuzu lokugcina yilelo abantu abaningi abangalinaki futhi ngokuvamile liyimpendulo.
Izinyathelo ezisebenzayo uma uqhubeka
Qinisekisa nomphathi wesikhwama sakho ukuthi udonsa ebhodweni lokonga futhi awuthinti ngephutha imali oyiphathisiwe, ngoba kokubili kukhokhiswa intela ngendlela ehlukile futhi impatho onikezwe yona ingaba kubi kakhulu. Cela isibalo somyalelo wentela ukuze wazi inani lakho lonke ngaphambi kokuthi uzibophezele kunokuthi ngemva kwalokho. Bese uthembeke kuwena mayelana nomkhathizwe: uma kukhona noma yiliphi ithuba olidingayo le mali phakathi neminyaka emihlanu ezayo, ukuguquguquka kweBitcoin kwenza ukuthengiswa okuphoqelekile ekwehleni kube yingozi yangempela, futhi leyo ngozi iyodwa kufanele imise ukuhoxiswa.
Lapho imali ifika, iphathe njenganoma yikuphi okunye ukuthenga kwe-Bitcoin futhi uyivikele ngendlela efanele. Ngisusa amaklayenti amaningi kusukela ekuthengeni kokuqala ngiwayise ekuzigcineni okuqondisiwe njengoba ukubamba kukhula, kanye nezikhundla ezinkudlwana ku-Vault, ukusethwa kwama-multisig lapho kungekho khiye owodwa ongahambisa izinhlamvu zemali. Bese umemezela ukuhoxa ngokunembile ku-ITR12 yakho. Ibonakala ngokugcwele kumarekhodi e-SARS, ngakho-ke akukho lutho olungazuzwa ngokuyithatha njenganoma yini enye ngaphandle kwemali engenayo ekhokhiswa intela eyiyo. Uma noma yikuphi kwalokhu kwenzelwa ikusasa lezingane zakho esikhundleni sokuthatha umhlalaphansi wakho, isakhiwo esihlanzekile sivamise ukuhluka. ipulani lomkhathizwe eside elakhiwe egameni labo kusukela ekuqaleni.
Kungani isikhwama singakwazi ukukuthengela i-Bitcoin
Abantu bayabuza ngokunengqondo ukuthi kungani kufanele bahoxise futhi bakhokhiswe intela nhlobo, kunokuba isikhwama sibambe ucezu lweBitcoin ngendlela esiphatha ngayo amasheya. Impendulo ithi umthetho uyakwenqabela lokho. Umthetho we-28 we-Pension Funds Act uchitshiyelwe kusukela ngomhlaka-3 Januwari 2023 futhi manje usho ngokusobala ukuthi isikhwama singase singatshali izimali ze-crypto. Abalawuli bathathe leso sikhundla ngezizathu zokuntengantenga kanye nesimo sokwengamela imboni, futhi sisebenza ezikhwameni zomhlalaphansi kanye nezinhlelo zokutshala izimali ezihlangene ngokufanayo. Ayikho inketho ye-Bitcoin yesikhwama, kungakhathaliseki ukuthi umkhiqizo uthengiswa kanjani kuwe.
Ngakho-ke ukuhoxiswa kwamabhodwe amabili akuyona indlela eyodwa phakathi kweziningana. Iwukuphela kwendlela esuka emalini oyongele umhlalaphansi uye kuBitcoin, futhi iza nentela yentela engenayo esangweni.
Uma lowo mthetho ushintsha, izibalo zishintsha ngokuphelele, ngoba izinzuzo ezihlanganiswe ngaphakathi kwesikhwama esivikelekile zingadlula izinzuzo ezifanayo ezikhokhiswa intela endleleni yokuphuma. Alukho uphawu lokuthi iyashintsha okwamanje. Isizathu esijulile sokubamba i-Bitcoin ngaphandle kwesistimu yerandi kwasekuqaleni naso asikashintshi: ubuthakathaka bemali obufanayo obubonakala kuma-akhawunti eBhange Lombuso laseNingizimu Afrika (SARB), lapho ukugcinwa kokubuyekezwa kwempahla yezwe yangaphandle kwanda kwadlula izigidigidi ezingama-R500 ngo-2024 ngemuva kweminyaka engamashumi amabili yokwehla kwamarandi. Ngibeke leyo ndaba ngokugcwele empeleni kwenzekani ekongeni kwakho, futhi ingemuva lazo zonke lezi zingxoxo.
Imibuzo ejwayelekile ukubuzwa
Luyini uhlelo lokuthatha umhlalaphansi lwezimbiza ezimbili?
Kusukela ngomhlaka-1 Septhemba 2024 uhlelo luhlukanise izimali zomhlalaphansi zibe izingxenye ezintathu. Ibhodwe lokonga lingathentwa kanye ngonyaka wentela, futhi ukuhoxiswa kwengezwe emalini yakho engenayo futhi kukhokhiswe intela ngenani lakho eliphansi. Ibhodwe lokuthatha umhlalaphansi lihlala livaliwe kuze kube uyaphuma, kuvikela inhloso yesikhwama. Yonke into owawuyilondolozile ngaphambi kwalolo suku ihlezi ebhodweni eligunyaziwe ngaphansi kwemithetho yakudala.
Ngingakwazi ukusebenzisa ukuhoxiswa kwamabhodwe amabili ukuze ngithenge i-Bitcoin?
Yebo. Uma imali yebhodwe lokulondoloza isingenile ku-akhawunti yakho yasebhange iyimali evamile futhi akekho onqumayo ukuthi wenzeni ngayo, kubalwa ne-Bitcoin. Akukho mkhawulo ekusetshenzisweni kwemali. Umbuzo wangempela ngothi ngabe kunengqondo yini uma usubala intela yeholo oyikhokhayo ukuze uyihoxise kanye nemali yomhlalaphansi oyiyekayo ngesikhathi sohlelo.
Iyini izindleko zentela zokuhoxiswa kwamabhodwe okonga amabhodwe amabili?
Ukuhoxiswa kwengezwe emalini yakho engenayo ekhokhiswa intela yonyaka futhi kukhokhiswa intela ngenani lakho eliphansi kunesilinganiso senzuzo yemali ephansi. Ukuhoxiswa komuntu kubakaki abaphakathi kulahlekelwa okungcono kunengxenye yesithathu yayo ngenxa yentela, futhi ohola kakhulu eduze kwabakaki abaphezulu ulahlekelwa cishe uhhafu. Ukhokha ngokuphumelelayo ukuze ufinyelele eyakho imali ozongele umhlalaphansi kusenesikhathi, ngakho inani eliphelele yilona elibalulekile, elingaphezu kakhulu kwenani lesihloko.
Ingabe isikhwama somhlalaphansi singatshala imali kuBitcoin ngokuqondile?
No. Umthethonqubo 28 we-Pension Funds Act uchitshiyelwe kusukela ngomhlaka-3 Januwari 2023 futhi uthi isikhwama akumele singatshali imali ezimpahleni ze-crypto. Ukwenqatshelwa okufanayo kuyasebenza ezinhlelweni zokutshala izimali ezihlangene. Kungakho ukuhoxiswa kwebhodwe lokonga kukhona njengokuwukuphela kwendlela esuka emalini yomhlalaphansi iye ku-Bitcoin, futhi kungani inezindleko zentela engenayo ezingagwenywa ukutshalwa kwezimali kwesikhwama.
Bala inombolo ngaphambi kokuthi uhoxe
I-SimplB isiza abantu baseNingizimu Afrika usayizi wokuhoxiswa kwamabhodwe amabili ngokwethembeka futhi babeke noma yini abayithenga esitokisini esifanele, Njengommeleli Wezomthetho we-CAEP Asset Managers (FSP 33933).
Bhukha ikholi ye-Bitcoin enezimbiza ezimbili