Maakaunti Abwino Kwambiri a SIPP ku UK mu 2023 - Full Guide

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ZINTHU

Ma SIPP atha kukhala njira yabwino yosinthira ndalama zapenshoni ngati ndinu mtundu wa munthu yemwe amakonda kulamulira ndalama zanu. Ndiko kunena kuti, mudzakhala ndi udindo wosankha ndalama zanu.

Izi zitha kubwera m'mawonekedwe ndi makulidwe osiyanasiyana - monga masheya achikhalidwe, ma ETF, ndi ndalama zolumikizana. Chofunika kwambiri, ma SIPP amabwera ndi mapindu angapo amisonkho - monga momwe mungapezere ndi ndondomeko ya penshoni.

Mu Buku lathu la Phunzirani 2 pazamalonda pa ma SIPP, tikufotokoza zonse zomwe muyenera kudziwa. Izi zikuphatikizapo kusokoneza kwathunthu kwa momwe SIPPs imagwirira ntchito, komanso opereka bwino omwe akugwira ntchito panopa ku UK malo ogulitsa.

 

 

Kodi SIPP ndi chiyani? 

Mawu oti 'SIPP' akuyimira Self Invested Personal Pension. M'mawonekedwe ake ofunikira, ma SIPP ndi penshoni yochitira nokha. Ndi njira yochepetsera msonkho yosungira ndalama zanu mukapuma pantchito ndipo imakupatsani mwayi wowongolera mabizinesi ndi ndalama zanu.  Idakhazikitsidwa zaka 30 zapitazo komanso yodziwika kwambiri kuposa kale - ndi njira yowongoka yosungira zaka zanu zamtsogolo.

Ambiri aife sitikufuna kuti kampani yayikulu ipange zisankho za momwe ndalama zathu zimasungidwira ndipo njira imodzi yabwino kwambiri yopezera chitetezo chanthawi yayitali ndikukhala ndi makonzedwe abwino kwambiri. SIPP yanu ingagwiritsidwe ntchito kusunga ndalama, magawo, ma ETF komanso katundu wamalonda, monga malo amalonda. Mofanana ndi penshoni yachikale, mukhoza kupeza ndalama zochepetsera msonkho.

Pazopereka zomwe mumapeza mpaka pamtengo wa £40,000 pachaka, mpumulo wamisonkho umaperekedwa, pomwe phindu limapitilira £240,000 limachepetsedwa. Kutengera nthawi yomwe mumwalira, mutha kupatsira mphika wanu wa SIPP kwa achibale, ndipo mwina ungakhale wopanda msonkho. Ma SIPP atha kukhalanso njira yabwino kwa ochita bizinesi kuti apeze zopuma zamisonkho monga momwe osunga ndalama zapenshoni amapeza, akamagulitsa bizinesi.

Junior SIPPs (kwa ana) amalola ngakhale osapindula kulipira £2,880 chaka chilichonse cha msonkho, ndipo Boma lidzawonjezerapo mpaka £3,600. Chofunika kwambiri, ma SIPP adayambitsidwa kuti apatse anthu mphamvu zowonjezera pamiphika yawo yapenshoni. Ndi zomwe zanenedwa, muyenera kukhala ndi nthawi yayitali kuti muwone ngati ali oyenera kapena ayi inu.

Kodi Mungakhazikitse Chiyani kudzera pa SIPP? 

Malinga ndi malamulo aku UK, pali malire pazomwe mungasungirepo ndi penshoni yachikhalidwe, chifukwa ndizotheka kuti ndalama zanu zitha kuyikidwa m'thumba lachiwopsezo chochepa. Kumapeto ena a sipekitiramu, ma SIPP amakupatsani ufulu wosankha ndalama. Ndalama zambiri zitha kuyikidwa mu SIPP, kuphatikiza katundu wamalonda.

Ngati ndinu ongoyamba kumene mumasewera opangira ndalama yesetsani kuti musatengeke, m'malo moyika ndalama m'magawo apaokha mutha kugula bwino ndalama zotengera magawo, kuchepetsa chiwopsezo chanu ngati kampani ingalephere. 

Nazi zina mwa ndalama zomwe ma SIPP angagwire;

• Masheya ndi Zogawana
• Investment ndi Unit Trusts
• Open-Ended Investment Firms
• Bond ndi Boma
• katundu
• ETFs
• Cash
• magawo

Mosiyana ndi penshoni yanthawi zonse, inshuwaransi ndiyo ndalama yokhayo yomwe simungayikemo kudzera mu ma SIPP.

SIPPs: Ndikufuna zingati? 

Ndi SIPP muli ndi zosankha monga malipiro a mwezi uliwonse, kulowetsa ndalama zambiri, kapena kuphatikiza ziwirizi. Njira yabwino kwambiri kwa inu idzadalira kwambiri mikhalidwe yanu. Ngati muli pachimake m'moyo wanu, zingakhale zopindulitsa kwambiri kuti muwononge ndalama zokhazikika pamwezi pazaka zambiri.

Mwanjira imeneyi, ma SIPP atha kugwiritsidwa ntchito ngati ndalama zambiri zanthawi yayitali, zomwe zimakupatsani mwayi wopirira kuwongolera kulikonse komwe mungakumane nako, komanso kupindula ndi likulu lililonse lomwe likupezeka, ndipo nthawi zina ngakhale zopindula zanthawi ndi nthawi. Nthawi zonse fufuzani zomwe opereka SIPP amatsatira chifukwa ambiri amalonda amatanthauzira gawo lochepera la ndalama.

Kodi ndingatulutse liti Ndalama za SIPP?  

Popeza kuti zoletsa zinachotsedwa mu April 2015, tsopano mukuloledwa kutenga ndalama kuchokera ku penshoni yanu kuyambira zaka 55. Ngati mutasankha kutenga ndalama zanu zonse nthawi imodzi, 25% yoyamba idzakhala yopanda msonkho. , pamene ena onse adzakhomeredwa msonkho monga ndalama. Anthu ambiri adzapeza 55 mofulumira kwambiri kuti apeze mwayi wopeza penshoni, pokhapokha ngati muli ndi njira ina yopezera ndalama, kapena ndalama zambiri mu SIPP yanu.

Monga ma SIPP amapangidwira mtsogolo m'moyo, pali zofunikira zochepa zomwe muyenera kuzidziwa. Ngati mumwalira musanakwanitse zaka 75, opindula anu amatha kutenga mphika wonse wa penshoni wopanda msonkho. Komabe, ngati mumwalira mutakwanitsa zaka 75 opindula anu ali ndi zosankha zingapo;

• Opindula amatha kusankha kubweza ndalama kapena annuity, kuti atenge ndalama zomwe zimakhomeredwa pamisonkho panthawiyo.
• Njira ina ndikulipira nthawi ndi nthawi. Kulipira kwachiwombankhanga kumatengedwa ngati ndalama, kotero chilichonse chomwe chili pamwambapa chidzakhomeredwa molingana ndi msonkho wapanthawiyo.
• Ngati wopindula asankha kutenga thumba lonse nthawi imodzi, thumba lonse la penshoni lidzasankhidwa ku msonkho woyenera wa msonkho, monga pamwambapa. 

Zowopsa Zosankha SIPP 

Ngakhale pali chiopsezo chachikulu posankha SIPP pa penshoni yachikhalidwe, monga momwe zimakhalira ndi zinthu zambiri m'moyo, pamene pali chiopsezo, pangakhalenso mapindu ambiri. Patsogolo pa izi ndi mwayi wopeza phindu lalikulu kuposa momwe woperekera penshoni wamba angapereke. Musanadziwe kuti SIPP itani yomwe ili yabwino kwa inu, ganizirani kuchuluka kwa ndalama zomwe mwagulitsa, komanso kuti mudzakhala ndi ndalama zotani.

SIPPS nthawi zambiri imakhala yoyenera kwa inu omwe mumadziwa zamabizinesi azachuma, chifukwa palibe zitsimikizo. Ngati ndinu watsopano pazachuma, ndalama zokhala ndi chiopsezo chochepa zitha kukhala njira yanu yotetezeka kwambiri. Mwanjira imeneyi, m'modzi mwa oyang'anira thumba lanu adzayang'anira ndalama zanu m'malo mwanu, pomwe mumayang'anira zonse zomwe mumagulitsa. Mukhozanso kuwonjezera kapena kusintha ndalama nthawi ina.

Nthawi zambiri, kampani yogulitsa ndalama yomwe mumagula sikhala ndi ndalama, koma imangokhala ngati njira yoperekera ndalama zanu, kaya masheya, ndalama kapena mabizinesi ena. Choncho ngakhale n’zokayikitsa kwambiri, ngati wothandizira wa SIPPS wasowa ndalama, ndalama zanu ziyenera kusungidwa ndi banki kapena fund manager.

Ngati wina wamakampani asokonekera, pali ndondomeko yolipira. Pansi pa £85,000 pa munthu aliyense, ndalama zanu ziyenera kutetezedwa ndi chiwembu cha FCSC. Chitetezo chimagwira ntchito ngati ndalama zanu zatayika chifukwa cha ndalamazo WOPEREKA kupita patsogolo - ndipo tsopano ndalama zomwe zikutsutsana nanu. 

Kodi SIPP Providers Imalipira Ndalama Zotani? 

Mwachidule, makampani omwe amapereka ma SIPP ndi ogulitsa chipani chachitatu, kotero monga kuyembekezera pali mitundu yosiyanasiyana ya malipiro omwe muyenera kuwaganizira. 

Nazi zina mwazolipira zoyenera kuziganizira.

• Kupanga malipiro: Pamsika wampikisano wa SIPP, opereka chithandizo ambiri sangakulipiritseni chindapusa chokhazikitsa mukatsegula akaunti. Nthawi zonse fufuzani izi monga operekera ena amachitira, ndipo zitha kukhala mazana mapaundi.
• Kukonza Pachaka: Nthawi zambiri izi zidzaperekedwa ku chiwerengero cha ndalama za SIPP zomwe muli nazo, monga peresenti. Mukayika thumba lanu kudzera mu SIPP yanu, mudzakulipitsidwa chindapusa chapachaka choyang'anira thumba.
• Ndalama zamalonda ndi malonda: Nthawi zambiri monga kuchuluka kwa ndalama zomwe zagulitsidwa, kapena chindapusa chokhazikika (chokhazikika), ndizotheka kuti mudzalipidwa pogula kapena kugulitsa ndalama. M'malo mokulipiritsa chindapusa chapachaka kapena pamwezi, wothandizira wanu angakuloleni kuti mupange 'malonda aulere' opanda malire. Ganizirani kuyang'ana pamitengo yotsika mtengo kwambiri ngati mungakhale ochita malonda pafupipafupi.
• Malipiro otuluka ndi kusamutsa: Mukasankha kusamutsa ndalama zanu kwa wothandizira wina kapena penshoni ina, mudzakulipiritsidwa chindapusa (ngakhale ena opereka amapereka izi kwaulere, fufuzani nthawi zonse). Nthawi zonse tsimikizirani zotuluka za operekera, chifukwa ena angakulipireni chindapusa pazachuma chilichonse chomwe mwachita.

Othandizira a SIPP Abwino Kwambiri ku UK

Pansipa tasankha ma SIPP athu abwino kwambiri a 2023. Muyenera kudziwa kuti ndi ati omwe angakuthandizireni bwino komanso zosowa zanu, kutengera zinthu monga:

• kukula kwa ndalama zanu
• zomwe mukufuna kuyikapo ndalama
• ndi kangati mumagula ndikugulitsa ndalama.

1. Hargreaves Lansdown - Zabwino Kwambiri Zatsopano

Hargreaves Lansdown ndi wogulitsa masheya odziwika bwino pamasewera azachuma aku UK. Kugula ndi kugulitsa magawo sikungotsika mtengo, koma kwa anthu omwe ali ndi ma portfolio ang'onoang'ono komanso osadziwa zambiri pakuyika ndalama, Hargreaves SIPP ikhoza kukhala njira yabwino.

Wodziwika bwino chifukwa chothandizira makasitomala abwino, Hargreaves Lansdown ilinso ndi ma portfolio okonzedweratu, kwa iwo omwe samva bwino kutenga zisankho monga kusankha zida. Imalipira mpaka 0.35% pandalama zomwe sizinalipire mu SIPP, zomwe zimakhala zopikisana. 

Zina zofunika zokhudza malipiro;

• Mtengo wotumizira: Zosafunika
• Ndalama zapachaka zandalama: 0.45% (mpaka £250,000), 0.25% (£250,000 - £1m), 0.10% (£1m-£2m), chilichonse choposa £2 miliyoni sichidzalipidwa.
• Ndalama zapachaka zamagawo: 0.45% (osapitirira £200)
• Kugula ndi kugulitsa ndalama: Palibe chindapusa
• kugula ndi kugulitsa magawo: £11.95 (mpaka 9 deal), £8.95 (10-19 deal), £5.95 (20 deal or more)

2. Interactive Investor - Zabwino kwambiri pamtengo Wambiri

Ngati mukukonzekera kuyika ndalama zambiri (posamutsa kuchokera ku SIPP ina, kapena mwachindunji), ndiye kuti Interactive Investor ndi njira yampikisano kwambiri pamtengo wa £50k ndi kupitilira apo. 

Interactive Investor adzakulipirani chindapusa cha £120 pachaka, kuphatikiza VAT. M'malo mwa kuchuluka kwa ndalama zomwe mwagulitsa, izi zitha kukhala zotsika mtengo, zomwe ndi zabwino kwa inu omwe muli ndi ma portfolio okulirapo (osachepera £ 50k kuti zikhale zopindulitsa)

Zina zofunika zokhudza malipiro; 

• Mtengo wotumizira: Zosafunika
• Malipiro a Admin: £ 10 pamwezi (ndalama izi zitha kuchepetsedwa kukhala $ 6 ngati mukuchita malonda pafupipafupi
• Kugula ndi kugulitsa ndalama: £7.99 kapena kwaulere kwa ndalama zambiri.
• Kugula ndi kugulitsa magawo: £7.99 kapena kwaulere kwa ndalama zambiri

3. AJ Bell - Zabwino Kwambiri Zochepa 

AJ Bell ndi m'modzi mwa opereka chithandizo chachikulu pakuwongolera ndi matrasti kwa ma SIPP. AJ Bell ikhoza kukhala njira yabwino kwambiri kwa inu ngati mukudziwa kale kuti muli osati kukhala ndi mphika waukulu kwambiri wapenshoni (osakwana £50,000). 

Zina zofunika zokhudza malipiro;

• Ndalama Zotumizira: £75 kuphatikiza £25 pa chindapusa
• Ndalama zapachaka zandalama: 0.25% (mpaka £250,000), 0.10% (£250,000 – £1m), 0.05% (£1 – £2, chilichonse choposa £2 miliyoni sichidzalipidwa.
• Kugula ndi kugulitsa ndalama: £1.50
• Kugulitsa kapena kugula magawo: £9.95 (£4.95 kwa makasitomala omwe ali ndi magawo opitilira 10 pamwezi)

4. Kukhulupirika - Zabwino Kwambiri Zosiyanasiyana

Choyamba chinakhazikitsidwa mu 1946 monga Fidelity Investments, mu 1969 mkono wapadziko lonse unakhazikitsidwa wotchedwa Fidelity International. Ndi makasitomala opitilira 2.4 miliyoni padziko lonse lapansi komanso ndalama zopitilira 240 zikugwira ntchito, Fidelity ndiwosewera wodziwika bwino pantchitoyi.

Ngati mukuganiza zopanga ndalama zambiri kuchokera kugulu lanyumba la Fidelity, lingalirani zopita kwa iwo mwachindunji. Ndi zida zambiri zofufuzira komanso kumvetsetsa zamalonda, nsanja ndiyosavuta kugwiritsa ntchito. Nambala yafoni yaulere yaku UK ikupezekanso kwa makasitomala omwe ali ndi mafunso ambiri.

Pali ndalama zapachaka zomwe mudzafunikire kulipira, pa thumba lomwe mumayikamo, izi zitha kusiyanasiyana kutengera thumba. Ndalama za Fidelity zili ndi chiopsezo chachikulu kuposa ena. Kumbali yakutsogolo, mutha kusankha ndalama zomwe mukufuna kuyikamo - kuti mukhale ndi mphamvu zonse. 

• Malipiro apachaka: Kukhulupirika kumalipira chindapusa cha 0.35% pa SIPP, ngati kukhala ndi ndalama zosachepera £250,000 chindapusachi chikuchepetsedwanso.
• Kuyambapo: Fidelity SIPPS ikhoza kuyambika mpaka £50 pamwezi, kutengera zomwe mumapeza. Mutha kupereka ndalama zokwana £40,000 pachaka ndikupeza mpumulo wamisonkho.
• Ndalama zotumizira:  Kufikira £500, kuchokera kwa wothandizira wanu wakale wa SIPP, idzaperekedwa ndi Fidelity
• Osachepera: Mufunika ndalama zokwana £800 kuti muyambe, njira ina ndikulipira pang'ono pamwezi $40.

Momwe Mungagulitsire kudzera pa SIPP Online - Newbie Guide

Mwachidule, kugulitsa kudzera pa SIPP ndi njira yogulira ndi kugulitsa magawo, nthawi zambiri kwa nthawi yayitali. Lingaliro lalikulu ndikugulitsa masheya pamtengo wokwera kuposa momwe munalipirira poyamba, kapena kugula masheya pamtengo wotsikirapo kuposa momwe munalipirira poyamba.

Muyenera kudzifunsa kuti zosowa zanu ndi ziti, mwachitsanzo, kodi zolipira ndizofunikira kwambiri? Kapena mukufuna makamaka kupeza misika yapadziko lonse lapansi? Pali ambiri ogulitsa masheya omwe amagwira ntchito pa intaneti, kotero simusowa zomwe mungachite. Tsopano zomwe muyenera kuchita ndikufufuza broker yemwe amakwaniritsa zosowa zanu. Pochita izi, mudzakhala ndi mwayi wopeza ndalama zambiri zamitundumitundu mukangodina mbewa.

Kutsegula Akaunti

Ndiye, mwasankha tsamba lanu la ndalama za SIPP, chotsatira? Tsopano muyenera kulembetsa kuti mutsegule akaunti. Monga momwe zimakhalira pamakampani ogulitsa pa intaneti, izi zimaphatikizapo kupereka zidziwitso zosiyanasiyana monga dzina, adilesi, tsiku lobadwa, zidziwitso, ndi dzina lolowera ndi mawu achinsinsi omwe mungasankhe. Kuti mutsimikize kuti ndinu ndani, muyenera kukweza kopi ya chizindikiritso chanu. Nthawi zambiri, broker amatsimikizira nthawi yomweyo.

Ndalama Zosungirako

Tsopano mufunika kusungitsa ndalama kuti muyambe. Zosankha zolipira zidzasiyana malinga ndi broker.

Njira zolipirira zofala kwambiri ndi:

• Debit / Khadi la Ngongole
• PayPal
• Kutumiza kwa Wire Bank
• Skrill
• Neteller

Kusankha Investments

Tsopano mutha kuyamba kuyang'ana masheya kapena mabizinesi ena kuti mugulitse. Ngati mukufuna kudzoza - yang'anani maupangiri ambiri ogwiritsa ntchito omwe tawalemba patsamba la Phunzirani 2 Trade. Mukazindikira chinthu chomwe mukufuna kugulitsa, mutha kuyitanitsa. Chonde pezani m'munsimu njira zoyambira kuti muyambitse malonda anu oyamba.

• Sankhani pakati pa kugula (kwautali) kapena kugulitsa (kufupi) 
• Mukufuna kugulitsa zingati?
• Sankhani pa msika/malire oda
• Gwiritsani ntchito mwayi (ngati kuli kotheka)
• Sankhani mwayi wambiri
• Pangani dongosolo loyimitsa, kuti muchepetse chiopsezo chanu
• Pangani dongosolo lopeza phindu, kuti mutseke mapindu anu.
• Tsimikizirani kuyitanitsa kwanu (izi zingotenga masekondi angapo)

Kutseka Udindo

Zikafika potseka malonda anu amasheya, izi zimatengera zomwe mumayitanitsa. Mwachitsanzo, ngati munayika dongosolo la 'kupeza phindu' ndi 'kusiya kutaya,' izi zidzangochitika zokha, chifukwa pali zotsatira ziwiri zokha. Mumapeza ndalama chifukwa cha 'kutenga phindu' kutsegulidwa, kapena mumataya ndalama mukayimitsa kuyimitsa.

Mudzangofunika kutseka malonda anu ogulitsa pamanja ngati simunayikepo maoda aliwonse pazamalonda. Ngati mwatumiza 'kugula', muyenera kutumiza 'kugulitsa', kuti muthe kutuluka mu malonda. Ngati kumbali ina mudapereka 'kugulitsa', muyenera kutumiza 'kugula' kuti mutuluke.

Zomwe mumapeza zidzaphatikizidwa muzanu kugulitsa masheya ndalama zonse za akaunti yanu ikangotsekedwa!

Momwe Mungasankhire Wopereka SIPP?  

Othandizira odziwika bwino a SIPP amayendetsedwa ndi gulu lopereka zilolezo za tier-one ndipo amapereka chindapusa chochepa, kufalikira ndi ma komisheni. Komanso kupezerapo mwayi, kugulitsa kwakanthawi komanso gulu labwino kwambiri lamakasitomala muyenera kusankha nsanja yomwe mumapeza kuti ndi yosavuta kuyenda motengera zosowa zanu.

Mufunika nsanja yomwe mwasankha kuti igwirizane ndi zomwe mukugulitsa pano, ndipo yesetsani kuti musade nkhawa ndi zina zomwe simungagwiritse ntchito. Kupatula apo, mutha kusinthanso pambuyo pake pamzere. Ganizirani kuchuluka kwa ntchito zomwe mungagwiritse ntchito kwa nthawi yayitali. 

Nazi zina zomwe muyenera kuziganizira musanalowe ndi tsamba la SIPP:

lamulo

Kuti muwonetsetse kuti ndalama zanu zili zotetezeka, muyenera kuwonetsetsa kuti nsanja yanu yogulitsa masheya imayendetsedwa ndi gulu ngati FCA, CySEC ndi ASIC.

Malire pazowonjezera

Ngati muli ndi chikhumbo chachikulu chofuna kukhala pachiwopsezo, onetsetsani kuti broker yemwe mwasankha amathandizira malonda ndi mwayi. Mayiko ena alibe malire, choncho alibe malire - kutanthauza kuti mabizinesi atha kukupatsani mwayi wofikira 500:1. Ku UK, chiwongola dzanja chidzafika pa 5: 1 pochita malonda.

Makomiti / Kufalikira

Ngati mungathe, pezani nsanja yamalonda ya SIPP yokhala ndi ma komisheni otsika komanso kufalikira kolimba. Ma Broker ambiri amapereka ntchito kwaulere, komabe, mutha kupeza inafikira kukhala wokwera pang'ono. Mosiyana ndi broker atha kupereka zero-kufalikira, koma ma komishoni apamwamba.

Ndondomeko yochotsera

Nthawi zambiri amanyalanyazidwa, nthawi zonse fufuzani kuti broker amatenga nthawi yayitali bwanji pokonza zochotsa. Kuchuluka kwa nthawi kumasiyana kuchokera ku maora kupita masiku, pomwe ambiri amayamba kubweza ndalama mkati mwa maola 48 mutapempha.

Zida zofufuzira

Ndikofunika kugwiritsa ntchito zida zofufuzira zomwe muli nazo. Othandizira ambiri a SIPP apereka kusanthula kwaukadaulo ngati zida zowerengera ma chart. Mupezanso broker yemwe amapereka nsonga zamalonda ndi nkhani zenizeni - zomwe zimapindulitsa kwambiri.

Misika yogulitsa

Kaya mukufuna kugulitsa ku UK kudzera ku London Stock Exchange, kapena misika yapadziko lonse - nthawi zonse fufuzani chiwerengero cha masheya operekedwa ndi SIPP plaform, ndi kusinthana kotani komwe mungapeze.

malipiro

Izi zikuwoneka zodziwikiratu, koma ndizoyenera kudziwa kuti nsanja zosiyanasiyana za SIPP zimapereka njira zolipirira zosiyanasiyana. Ngati zomwe mumakonda ndikusungitsa ndi kirediti kadi kapena kirediti kadi ndiye kuti mutha kuyamba kuchita malonda nthawi yomweyo. Ngati mukufuna kupindula ndi ma depositi pompopompo ndiye ma E-wallet ndi lingaliro labwino. Zikafika pakuyika ndalama ku akaunti yakubanki, mutha kupeza kuti zimatenga masiku angapo kuti mufikire akaunti yanu, kuonjezerapo mutha kukhala ndi mwayi wopeza malire apamwamba.

makasitomala

Momwemo, mukufuna kupeza malo ogulitsa masheya omwe ali ndi chithandizo chamakasitomala a maola 24, kapena 24/5 (mogwirizana ndi misika yazachuma). Macheza amoyo ndiwothandizanso kwambiri pakuthandizira pompopompo chifukwa amachotsa kufunika koyimba.

Kutsiliza

Mukasankha ngati SIPP ndi chisankho chabwino pazosowa zanu, onetsetsani kuti mwafufuza bwino kuti nsanja yomwe mwasankha idzakuwonongerani ndalama zingati pamene mukuyikamo ndalama. Ndikofunikiranso kuyang'ana kuchuluka kwa nsanja yomwe ingakulipireni kuti mupeze ndalama zanu m'tsogolomu.

Zachidziwikire, izi zimatengera kuchuluka kwa zomwe mukukonzekera kuyika, komanso kwa nthawi yayitali bwanji, koma mutha kupeza kuti ndizopanda phindu kukhala ndi nsanja yotsika mtengo poyambira, pomwe zitha kuwononga ndalama zambiri kuti musamutse. kunja.

Ngakhale ma SIPP amapereka ufulu ndi mapindu ambiri amisonkho, si onse. Kwa anthu ambiri, Pension Yodzipangira Ndalama Ndizovuta kwambiri. Ngati simukumva bwino posankha mabizinesi anu, ndikuwongolera momwe mungasungire ndalama zanu (komanso chiwopsezo chomwe chimabwera), ndiye kuti mwina si chisankho choyenera kwa inu.

Potsatira ndondomeko ya penshoni, mwina muli ndi katswiri wosamalira ndalama zanu ndi mabizinesi m'malo mwanu.