Ama-Akhawunti E-SIPP Angcono Kakhulu e-UK ngo-2023 - Umhlahlandlela Ogcwele

Isevisi yokuhweba ngamakhophi. I-Algo yethu ivula futhi ivale ngokuzenzakalelayo ukuhweba.

I-L2T Algo inikeza amasiginali anenzuzo enkulu anengozi encane.

24/7 ukuhweba nge-cryptocurrency. Ngenkathi ulele, siyahweba.

Ukusethwa kwemizuzu eyi-10 okunezinzuzo ezinkulu. Imanuwali inikezwe ngokuthenga.

79% Izinga lempumelelo. Imiphumela yethu izokujabulisa.

Ukuhwebelana okungafika kuma-70 ngenyanga. Kunamapheya angaphezu kwama-5 atholakalayo.

Okubhaliselwe kwanyanga zonke kuqala ku-£58.

Okuthile kwe-L2T

ITHELELELI

IZIPHUMA

Ama-SIPP angaba enye indlela enhle kunohlelo olujwayelekile lwempesheni uma uwuhlobo lomuntu othanda ukulawula imali yakho ngokugcwele. Okusho ukuthi, uzoba nesibopho sokukhetha utshalomali lwakho.

Lokhu kungafika ngebanga lomumo nosayizi - njengezitoko zendabuko, ama-ETF, nezikhwama ezihlanganyelwe. Okubaluleke kakhulu, ama-SIPP afika nenani lezinzuzo zentela - njengoba nje ubungathola ngohlelo lwempesheni.

Kumhlahlandlela wethu we-Learn 2 Trade on SIPPs, sichaza konke okumele ukwazi. Lokhu kufaka phakathi ukuhlukaniswa okugcwele kokuthi ama-SIPP asebenza kanjani, kanye nabahlinzeki abangcono kakhulu abasebenzayo njengamanje endaweni yokutshalwa kwezimali yase-UK.

I-AvaTrade - I-Broker Esungulwe NgamaKhomishini Akhululekile

Isilinganiso sethu

• Idiphozithi encane engu-250 USD ukuze uthole ukufinyelela kukho konke ukuphila kwakho kuzo zonke iziteshi ze-VIP
• Iklonyeliswe I-Best Global MT4 Forex Broker
• Khokha u-0% kuzo zonke izinsimbi ze-CFD
• Izinkulungwane zezimpahla zeCFD zokuhweba
• Izakhiwo zokusebenzisa ziyatholakala
• Faka imali ngokushesha ngedebhithi / ikhadi lesikweletu

Thola Ukufinyelela Kokuphila Konke

Ama-71% ama-akhawunti wabatshalizimali athengisa imali alahlekelwa yimali lapho kuthengiswa ama-CFD ngalo mhlinzeki.

Yini i-SIPP? 

Igama elithi 'SIPP' limele i-Self Invested Personal Pension. Ngokwesisekelo sayo, ama-SIPP yimpesheni yokuzenzela. Kuyindlela eyongayo intela yokonga imali yakho yomhlalaphansi futhi ikunikeza ukulawula okukhulu phezu kwezimali ozitshalile kanye nemali.  Yethulwa eminyakeni engu-30 edlule futhi idume kakhulu kunangaphambili - kuyindlela eqondile yokonga ufinyelele eminyakeni yakho yakamuva yokuphila.

Abaningi bethu abafuni inkampani enkulu eyenza izinqumo zokuthi imali esiyongayo itshalwa kanjani futhi enye yezindlela ezingcono kakhulu zokuthola ukuphepha kwezimali kwesikhathi eside ukuhlinzekwa okungcono kakhulu. I-SIPP yakho ingasetshenziselwa ukuphatha izimali, amasheya, ama-ETF kanye nezakhiwo zezentengiselwano, ezifana nezakhiwo zebhizinisi. Njengempesheni evamile, ungathola ukonga ngendlela eyonga intela.

Emalini etholwayo etholwayo efika ku-£40,000 ngonyaka, kukhishwa impumuzo yentela, lapho imali etholwayo idlula u-£240,000 iyancishiswa. Kuye ngokuthi ushona nini, ungadlulisela ibhodwe lakho le-SIPP phansi kumalungu omndeni, futhi kungase kungabi nantela. Ama-SIPP angaba yindlela enhle yokuthi osomabhizinisi bathole ikhefu lentela elifanayo njengoba abanye abatshali bempesheni bethola, lapho betshala imali ebhizinisini.

I-Junior SIPPs (yezingane) ivumela ngisho nalabo abangaholi ukuthi bakhokhe u-£2,880 njalo ngonyaka wentela, futhi uHulumeni uzoyigcwalisa ifike ku-£3,600. Okubaluleke kakhulu, ama-SIPP ethulwa ukunikeza abantu ukulawula okwengeziwe phezu kwamabhodwe abo empesheni. Ngalokho sekushiwo, udinga ukuba nesikhathi eside ukuthi balungile noma cha wena.

Yini ongayitshala kuyo usebenzisa i-SIPP? 

Ngokomthetho wase-UK, kunemikhawulo kulokho ongatshala kukho ngempesheni yendabuko, njengoba kungenzeka kakhulu ukuthi utshalomali lwakho luzofakwa esikhwameni esinobungozi obuncane. Ngakolunye uhlangothi lwe-spectrum, ama-SIPP akunikeza inkululeko yokuzikhethela ukutshalwa kwezimali. Ukutshalwa kwezimali okuningi okuhlukile kungafakwa ku-SIPP, okuhlanganisa indawo yokuthengisa.

Uma ungumuntu osaqalayo emdlalweni wokutshalwa kwezimali zama ukungathatheki, kunokuba utshale imali kumasheya ngamanye ungase uthenge kangcono izimali ezisekelwe kumasheya, unciphise ubungozi bakho uma inkampani ngayinye ingase yehluleke. 

Nakhu okunye ukutshalwa kwezimali okungabanjwa yi-SIPP;

• Amasheya Namasheya
• Investment kanye nama-Unit Trusts
• Amafemu Otshalomali Avulekile
• Amabhondi kaHulumeni kanye Nezinkampani
• Property
• ETFs
• Cash
• Amasheya

Ngokungafani nempesheni yakudala, umshwalense uwukuphela kwe-investimenti evamile ongeke ukwazi ukutshala kuyo usebenzisa ama-SIPP.

SIPPs: Ngidinga malini? 

Nge-SIPP unezinketho ezifana nezinkokhelo zanyanga zonke ezivamile, ukufaka isamba esikhulu, noma inhlanganisela yakho kokubili. Iyiphi inketho engcono kakhulu kuwe izoncika kakhulu ezimweni zakho. Uma usesikhathini sokuqala sempilo yakho, kungase kube usizo kakhulu kuwe ukutshala izimali ezivamile nyanga zonke phakathi namashumi eminyaka.

Ngale ndlela, ama-SIPP angasetshenziswa njengotshalomali olukhulu lwesikhathi eside, okukuvumela ukuthi umelane nanoma yikuphi ukulungiswa kwemakethe okungenzeka ukuthi ukuthole, kanye nokuzuza kunoma iyiphi imali etholakalayo, futhi ngezinye izikhathi ngisho nezinzuzo zezikhathi ezithile. Njalo hlola imigomo yomhlinzeki we-SIPP njengoba iningi labathengi lizochaza umkhawulo omncane wokutshala imali.

Ngingayithola nini Izimali zami ze-SIPP?  

Njengoba imingcele yasuswa ngo-April 2015, manje usuvunyelwe ukubamba imali empeshenini yakho kusukela eminyakeni engu-55 ubudala. Uma unquma ukuthatha yonke imali yakho ngesikhathi esisodwa, u-25% wokuqala uzoba isigaxa esingakhokhi ntela. , kuyilapho okunye kuzokhokhiswa intela njengemali engenayo. Abantu abaningi bazothola ama-55 kusenesikhathi kakhulu ukuze bathole ukufinyelela empeshenini yabo, ngaphandle uma unomunye umthombo wemali engenayo, noma isamba esikhulu semali ku-SIPP yakho.

Njengoba ama-SIPP enzelwe kamuva ekuphileni, kunezimiso ezimbalwa okufanele wazi. Uma ushona ungakayihlanganisi iminyaka engu-75, abahlomulayo bayakwazi ukulithatha lonke ibhodwe lempesheni ngaphandle kwentela. Nokho, uma ushona ngemva kweminyaka engama-75 abahlomuli bakho banezinketho ezimbalwa;

• Abahlomuli bangakhetha ukwehla kwemali engenayo noma i-annuity, ukuze bathathe imali engenayo evamile ezokhokhiswa intela ngenani lentela engenayo ngaleso sikhathi.
• Enye inketho ukuthatha izinkokhelo zesamba sesamba ngezikhathi ezithile. Izinkokhelo eziyisamba zithathwa njengemali engenayo, ngakho noma yini engenhla izokhokhiswa intela ngokwamazinga entela engenayo ngaleso sikhathi.
• Uma ohlomulayo enquma ukuthatha sonke isikhwama sonke ngesikhathi esisodwa, sonke isikhwama sempesheni sizokhethwa esilinganisweni sentela yeholo elifanele, njengoba ngenhla. 

Izingozi Zokukhethela i-SIPP 

Nakuba kunengozi enkulu ngokukhetha i-SIPP esikhundleni sempesheni yendabuko, njengezinto eziningi ekuphileni, lapho kunobungozi khona, kungase kube nezinzuzo eziningi. Okuhamba phambili kulokhu yithuba lokuthola inzuzo ephakeme kunaleyo etholwa umhlinzeki wempesheni ojwayelekile. Ngaphambi kokuthi uthole ukuthi iyiphi i-SIPP ekulungele wena, cabanga ngokuthi imali oyitshalile izoba yinani elingakanani, nokuthi yiluphi uhlobo lokutshalwa kwezimali ozolubamba.

Ama-SIPPS ngokuvamile afanele labo kini abanolwazi lokutshalwa kwezimali, njengoba zingekho iziqinisekiso. Uma umusha ekutshalweni kwezimali, izimali ezinobungozi obuncane cishe zizoba inketho yakho ephephe kunazo zonke. Ngale ndlela, omunye wabaphathi bezikhwama ezengeziwe uzophatha ukutshalwa kwezimali kwakho egameni lakho, kuyilapho ugcina ukulawula okuphelele phezu kwezimali ozitshalile. Ungakwazi futhi ukwengeza noma ukushintsha izimali ngedethi ekamuva.

Ngokuvamile, inkampani yokutshalwa kwezimali oyithengayo ngeke ibambe ukheshi, kodwa imane nje isebenze njengeshaneli yokufaka imali yakho, kungaba eyesitoko, izimali noma okunye ukutshalwa kwezimali. Ngakho-ke nakuba kungenzeki neze, uma umhlinzeki wakho we-SIPPS eqothuka, imali yakho kufanele igcinwe ngokuphephile ibhange elihlukile noma umphathi wesikhwama.

Uma enye yezinkampani igqekeza, empeleni kunohlelo lokunxeshezelwa olukhona. Ngaphansi kwe-£85,000 evamile ngomuntu ngamunye, izimali zakho kufanele zivikelwe uhlelo lwe-FCSC. Ukuvikela kusebenza kuphela uma imali yakho ilahleka ngenxa yokutshalwa kwezimali umhlinzeki ukuhamba phambili - futhi manje ukutshalwa kwezimali okuphambene nawe. 

Yiziphi Izimali Ezikhokhiswa Abahlinzeki be-SIPP? 

Kafushane, izinkampani ezihlinzeka ngama-SIPP zingabathengi bezinkampani zangaphandle, ngakho-ke njengoba kulindelekile kunenhlobonhlobo yezindleko ezihlukene okudingeka uzicabangele. 

Nazi ezinye zezindleko ezifanele okufanele uzicabangele.

• Setha izinkokhelo: Ezimakethe ezincintisana kakhulu zomkhakha we-SIPP, abahlinzeki abaningi ngeke bakukhokhise imali yokusetha lapho uvula i-akhawunti. Njalo hlola lokhu njengoba abanye abahlinzeki benza, futhi kungaba ngamakhulu amaphawundi.
• Ukunakekela Ngonyaka: Ngokuvamile lokhu kuzokhokhiswa inani lezimali ze-SIPP onazo, njengephesenti. Lapho utshala imali esikhwameni usebenzisa i-SIPP yakho, cishe uzokhokhiswa imali yonyaka yomphathi wesikhwama.
• Izinkokhelo zohwebo nedili: Imvamisa ngendlela yephesenti lemali ethengisiwe, noma imali ekhokhwayo (elungisiwe), cishe uzokhokhiswa izindleko zokusebenza lapho uthenga noma uthengisa ukutshalwa kwezimali. Esikhundleni sokukhokhisa imali yonyaka noma yanyanga zonke, umhlinzeki wakho angakuvumela ukuthi wenze inani elingenamkhawulo 'lohwebo lwamahhala'. Cabangela ukubheka ezindlekweni zokuhweba ezishibhile uma kungenzeka ukuthi ungumhwebi ovamile.
• Izinkokhelo zokuphuma nokudlulisa: Uma kwenzeka unquma ukudlulisela izimali zakho komunye umhlinzeki noma impesheni ehlukile, cishe uzokhokhiswa imali (nakuba abanye abahlinzeki bezokwenza lokhu mahhala, ngakho hlola njalo). Njalo qinisekisa izindleko zokuphuma zomhlinzeki, njengoba abanye bangase bakukhokhise inkokhelo yomuntu ngamunye ku-investimenti ngayinye ebanjiwe.

Abahlinzeki abahamba phambili be-SIPP UK

Ngezansi sikhethe ama-SIPP enani angcono kakhulu ka-2023. Uzodinga ukuthola ukuthi yikuphi okukusebenzela kangcono wena nezidingo zakho, kuye ngezinto ezifana nokuthi:

• ubukhulu bemali oyitshalile
• lokho onentshisekelo yokutshala imali kukho
• nokuthi uthenga futhi udayise kangaki ukutshalwa kwezimali.

1. I-Hargreaves Lansdown – Ilungele Abasanda Kusuka

I-Hargreaves Lansdown ingumdayisi wamasheya odume kakhulu kumdlalo wokutshala imali wase-UK. Ukuthenga nokudayisa amasheya akushibhile ngempela, kodwa kubantu abanamaphothifoliyo amancane futhi abangenalo ulwazi oluningi lokutshala izimali, i-Hargreaves SIPP ingaba inketho enhle.

Idume ngesevisi yayo yamakhasimende enhle kakhulu, i-Hargreaves Lansdown inamaphothifoliyo enziwe ngaphambili, yalabo abangazizwa bekhululekile ngokuphelele ekulawuleni izinqumo ezinjengokukhetha amathuluzi angawodwana. Ikhokha imali efika ku-0.35% emalini engatshaliwe ku-SIPP, enokuncintisana ngandlela thize. 

Olunye ulwazi olubalulekile mayelana nezinkokhelo;

• Imali yokudlulisa: Akufaneleki
• Inkokhelo yonyaka yezimali: 0.45% (kufika ku-£250,000), 0.25% (£250,000 – £1m), 0.10% (£1m-£2m), noma yini engaphezu kuka-£2 million ngeke ikhokhiswe.
• Inkokhelo yonyaka yamasheya: 0.45% (akukho ngaphezu kuka-£200)
• Izimali zokuthenga nokudayisa: Ayikho inkokhelo esebenzayo
• Buying kanye nokuthengisa amasheya: £11.95 (kufika ku-9 amadili), £8.95 (10-19 amadili), £5.95 (amadili angu-20 noma ngaphezulu)

2. Interactive Investor - Kungcono kakhulu ngesamba esikhulu semali

Uma uhlela ukutshala isamba esikhulu semali (ngokudlulisa usuka kwenye i-SIPP, noma ngokuqondile), khona-ke i-Interactive Investor iyinketho encintisana kakhulu ngesamba esingu-£50k nangaphezulu. 

I-Interactive Investor izokukhokhisa imali yokuphatha eyisicaba engu-£120 ngonyaka, kanye ne-VAT. Esikhundleni samaphesenti otshalomali lwakho, lokhu kuzoba yimali ephansi, ekahle kulabo benu abanamaphothifoliyo amakhulu (okungenani u-£50k ukuze uzuze)

Olunye ulwazi olubalulekile mayelana nezinkokhelo; 

• Imali yokudlulisa: Akufaneleki
• Imali yomlawuli: U-£10 ngenyanga ( le mali ingancishiswa ibe ngu-£6 uma uhweba njalo
• Izimali zokuthenga nokudayisa: £7.99 noma mahhala ngokuphelele ukutshalwa kwezimali njalo.
• Ukuthenga nokuthengisa amasheya: £7.99 noma mahhala ngokuphelele ukutshalwa kwezimali njalo

3. I-AJ Bell – Ihamba phambili ngamanani amancane 

U-AJ Bell ungomunye wabahlinzeki abakhulu bokuphatha kanye nezinsizakalo zomphathiswa zama-SIPP. I-AJ Bell ingaba inketho engcono kakhulu kuwe uma usuzazi ukuthi unjalo hhayi uzoba nebhodwe lempesheni elikhulu kakhulu (ngaphansi kuka-£50,000). 

Olunye ulwazi olubalulekile mayelana nezinkokhelo;

• Izimali Zokudlulisela: U-£75 kanye no-£25 ngemali yokubamba ngayinye
• Inkokhelo yonyaka yezimali: 0.25% (kufika ku-£250,000), 0.10% (£250,000 – £1m), 0.05% (£1 – £2, noma yini engaphezu kuka-£2 million ngeke ikhokhiswe.
• Izimali zokuthenga nokudayisa: £1.50
• Ukuthengisa noma ukuthenga amasheya: £9.95 (£4.95 kumakhasimende anamasheya angaphezu kwe-10 enyangeni)

4. Ukwethembeka – Kungcono Kakhulu Ekuhlukaniseni

Iqale yasungulwa ngo-1946 njengeFidelity Investments, ngo-1969 kwethulwa ingalo yamazwe ngamazwe ebizwa ngokuthi iFidelity International. Ngamakhasimende angaphezu kwezigidi ezingu-2.4 emhlabeni wonke kanye nezimali ezingaphezu kuka-240 ezisebenzayo, i-Fidelity ingumdlali ozinzile kulo mkhakha.

Uma ucabanga ukutshala izimali eziningi ezivela ebangeni langaphakathi le-Fidelity, cabanga ukuya kuzo ngokuqondile. Ngenani elihle kakhulu lamathuluzi okucwaninga nokuqonda kokumaketha, inkundla kulula ukuyisebenzisa. Inombolo yocingo yase-UK yamahhala iyatholakala futhi kumakhasimende anemibuzo eyengeziwe.

Kunenkokhiso yonyaka okuzodingeka uyikhokhe, kuleyo sikhwama otshala kuso, lokhu kungahluka kuye ngesikhwama. Izimali ze-Fidelity zinezinga eliphezulu lobungozi kunezinye. Ngakolunye uhlangothi, ungakhetha ukuthi yiziphi izimali onentshisekelo yokutshala imali kuzo - ukuze ube nokulawula okuphelele. 

• Imali yonyaka: I-Fidelity ikhokhisa inkokhelo engu-0.35% ku-SIPP, uma ukubamba ubuncane buka-£250,000 le nkokhelo iphinde yehliswe.
• Ukuqalisa: I-Fidelity SIPPS ingaqalwa ngemali encane engu-£50 ngenyanga, kuye ngeholo lakho. Unganikela ngo-£40,000 ngonyaka futhi uthole impumuzo yentela.
• Imali yokudlulisa:  Kufika ku-£500, kusukela kumhlinzeki wakho wangaphambilini we-SIPP, kuzombozwa yi-Fidelity
• • Linanincane lesikhatsi: Uzodinga ukutshalwa kwezimali okungu-£800 ukuze uqalise, enye inketho inkokhelo encane yenyanga engu-£40.

Uhweba kanjani nge-SIPP Online - Newbie Guide

Kalula nje, ukuhweba ngomhlinzeki we-SIPP kuyinqubo yokuthenga nokudayisa amasheya, ngokuvamile ngokwesikhathi eside. Umqondo oyisisekelo uwukuthengisa izitoko ngentengo ephezulu kunaleyo oyikhokhe ekuqaleni, noma ukuthenga izitoko ngentengo ephansi kunaleyo oyikhokhe ekuqaleni.

Udinga ukuzibuza ukuthi ziyini izidingo zakho, ngokwesibonelo, ingabe izinkokhelo zibaluleke kakhulu? Noma mhlawumbe ufuna ukufinyelela ezimakethe zomhlaba jikelele? Kunenani elikhulu labathengisi bezitoko abasebenza ku-inthanethi, ngakho-ke ngeke ushodelwe izinketho. Manje okudingeka ukwenze ukucinga umthengisi ohlangabezana nezidingo zakho. Ngokwenza kanjalo, uzokwazi ukufinyelela ezinhlobonhlobo eziningi zamasheya ngokuchofoza igundane.

Ukuvula i-Akhawunti

Ngakho-ke, ukhethe isayithi lakho lokutshala imali le-SIPP, yini elandelayo? Manje udinga ukufaka isicelo ukuze uvule i-akhawunti. Njengoba kuvamile ngokwemboni endaweni yokutshala imali eku-inthanethi, lokhu kuhlanganisa ukuhlinzeka ngolwazi oluhlukahlukene njengegama, ikheli, usuku lokuzalwa, imininingwane yokuxhumana, kanye negama lomsebenzisi nephasiwedi ozikhethele yona. Ukuze uqinisekise ubuwena, uzodinga ukulayisha ikhophi kamazisi wakho. Ngokuvamile, umthengisi uzoyiqinisekisa ngokushesha.

Izimali Zediphozithi

Manje uzodinga ukufaka imali ethile ukuze uqalise. Izinketho zokukhokha zizohluka kuye ngomthengisi.

Izinketho zokukhokha ezivame kakhulu yilezi:

• Idebithi / ikhadi lesikweletu
• PayPal
• Ukudluliselwa Kwe-Wire yasebhange
• I-Skrill
• I-Neteller

Ukukhetha Investments

Manje ungaqala ukufuna amasheya noma okunye ukutshalwa kwezimali ukuze uhwebe. Uma udinga ugqozi oluthile - bheka imihlahlandlela eminingi esebenziseka kalula esiyibale kuwebhusayithi ye-Learn 2 Trade. Uma usuhlonze impahla ofuna ukuyidayisa, ungafaka i-oda. Sicela uthole ngezansi izinyathelo eziyisisekelo zokuthi uqalise ekuhwebeni kwakho kokuqala.

• Khetha phakathi kokuthenga (okude) noma ukuthengisa (okufushane) 
• Ufuna ukuhweba ngamalini?
• Nquma nge-oda lemakethe/nomkhawulo
• Faka isicelo (uma sikhona)
• Khetha amandla amaningi
• Dala i-stop-loss order, ukuze wehlise ubungozi bakho
• Dala uhlelo lokuthatha inzuzo, ukuze ukhiyele inzuzo yakho.
• Qinisekisa i-oda lakho (lokhu kufanele kuthathe imizuzwana embalwa)

Ukuvala Isikhundla

Uma kukhulunywa ngokuvala uhwebo lwakho lwesitoko, lokhu kuzoncika ekutheni ubeka maphi ama-oda. Isibonelo, uma ufake i-oda elithi 'thatha inzuzo' kanye 'nokulahlekelwa ukulahlekelwa', lokhu kuzokwenziwa ngokuzenzakalelayo, ngoba kunemiphumela emibili kuphela engenzeka. Wenza imali ngenxa yokuthi 'uthatha inzuzo' yakho icushiwe, noma ulahlekelwa yimali lapho i-stop-loss order yakho icushiwe.

Uzodinga kuphela ukuvala ukuhwebelana kwakho kokutshalwa kwezimali mathupha uma ungakafaki noma yimaphi ama-oda ekuhwebeni kwamasheya. Uma uthumele 'i-oda lokuthenga', uzodinga ukuthumela 'i-oda lokuthengisa', ukuze ukwazi ukuphuma ekuhwebeni. Uma ngakolunye uhlangothi uhambise 'i-oda lokuthengisa', udinga ukuthumela 'i-oda lokuthenga' ukuze uphume.

Imali oyitholayo izofakwa kweyakho ukuhweba ngamasheya ibhalansi ephelele ye-akhawunti ngokushesha nje lapho ukuhweba kwakho kuvalwa!

Ungamkhetha kanjani umhlinzeki we-SIPP?  

Abahlinzeki be-SIPP abahlonishwa kakhulu balawulwa yinhlangano enikeza ilayisense yesigaba sokuqala futhi banikeza izinkokhelo eziphansi, ukusabalala namakhomishini. Kanye nokuzuza, ukuthengisa okufushane kanye nethimba elihle lesevisi yamakhasimende uzodinga ukukhetha inkundla okuthola kulula ukuyisebenzisa ngokusekelwe ezidingweni zakho ezithile.

Udinga inkundla oyikhethile ukuthi ihambisane nesimo sakho samanje sokuhweba, futhi uzame ukungakhathazeki ngezici ezengeziwe ongeke uzisebenzise. Phela, ungakwazi ukuyibuyekeza ngokuhamba kwesikhathi phansi komugqa. Cabanga ukuthi mingaki yaleyo misebenzi oyobe uyisebenzisa esikhathini eside. 

Nazi ezinye izinto okufanele uzicabangele ngaphambi kokuthatha uhambo ngesayithi labahlinzeki be-SIPP:

Regulation

Ukuqinisekisa ukuthi imali yakho iphephile, udinga ukwenza isiqiniseko sokuthi inkundla yakho yokuhweba ngamasheya ilawulwa yinhlangano efana ne yezimali zikagesi.BREAK, CySEC kanye ASIC.

Imikhawulo ekuphakameni

Uma unesifiso esiphezulu sokubeka engcupheni, qiniseka ukuthi umdayiseli wakho owukhethayo usekela ukuhweba okunamandla. Amanye amazwe awaboshiwe, ngakho-ke awanayo imingcele - okusho ukuthi abathengisi bangase banikeze amandla afinyelela ku-500:1. E-UK, isilinganiso sizofinyelela ku-5:1 uma uhweba izitoko.

Amakhomishini/Ukusabalala

Uma ukwazi, thola inkundla yokuhweba ye-SIPP enamakhomishini aphansi kanye nokusabalalisa okuqinile. Ama-Broker amaningi anikeza ukuhweba mahhala, noma kunjalo, ungathola ukusabalala ukuba ngaphezulu kancane. Ngokuphambene nomthengisi angase anikeze ama-zero-spreads, kodwa amakhomishini aphezulu.

Inqubomgomo yokuhoxa

Ngokuvamile akunakwa, hlola njalo ukuthi umthengisi uthatha isikhathi esingakanani lapho ecubungula ukuhoxiswa kwemali. Isikhathi sizohluka kusukela emahoreni kuya ezinsukwini, kuyilapho iningi liqala inqubo yokukhipha imali phakathi kwamahora angu-48 wesicelo sakho.

Amathuluzi okucwaninga

Kubalulekile ukusebenzisa amathuluzi ocwaningo onawo. Abahlinzeki abaningi be-SIPP bazohlinzeka ngokuhlaziywa kobuchwepheshe njengamathuluzi okufunda ishadi. Uzothola nomthengisi onikezayo amathiphu wokuhweba nezindaba ngesikhathi sangempela - okuzuzisa kakhulu.

Izimakethe ezithengiswayo

Ukuthi ufuna ukuhwebelana e-UK usebenzisa i-London Stock Exchange, noma izimakethe zamazwe ngamazwe - hlola njalo inani lezitoko ezihlinzekwa wuhlelo lwe-SIPP, nokuthi yiziphi ukushintshana ongafinyelela kuzo.

Izinkokhelo

Lokhu kubonakala kusobala, kodwa kufanelekile ukuqaphela ukuthi amapulatifomu okuhweba e-SIPP ahlukene ahlinzeka ngezindlela zokukhokha ezihlukene. Uma okuthandayo kuwukufaka ngedebithi noma ngekhadi lesikweletu ungakwazi ukuqala ukuhweba ngokushesha. Uma ufuna ukuzuza kumadiphozithi asheshayo khona-ke ama-E-wallet nawo angumbono omuhle. Uma kuziwa ekufakweni kwezimali ku-akhawunti yasebhange, ungase ukuthole kuthatha izinsuku ezimbalwa ukufinyelela i-akhawunti yakho, ngakolunye uhlangothi ungase ube nelungelo lokuthola umkhawulo ophakeme.

Insizakalo yekhasimende

Ngokufanelekile, ufuna ukuthola inkundla yokuhweba ngamasheya enokwesekwa kwamakhasimende kwamahora angu-24, noma 24/5 (ngokuhambisana naleyo yezimakethe zezimali). Ingxoxo ebukhoma nayo iwusizo kakhulu ekusekeleni ngokushesha njengoba iqeda isidingo sokufona.

Isiphetho

Lapho unquma ukuthi i-SIPP iyisinqumo esihle noma cha ngezidingo zakho, qiniseka ukuthi uphenya kahle ukuthi inkundla oyikhethile izokubiza malini ngenkathi ufaka imali kuyo. Kubalulekile futhi ukuhlola inani inkundla ezokukhokhisa ngokufinyelela imali yakho esikhathini esizayo.

Yebo, lokhu ngokuvamile kuya ngokuthi uhlela ukutshala malini, futhi isikhathi eside kangakanani, kodwa ungathola ukuthi akusizi ukuba nenkundla engabizi kakhulu ongaqala ngayo, lapho ingase igcine kubiza imali eshisiwe ukuyidlulisela. ngaphandle.

Nakuba ama-SIPP enikeza inkululeko kanye nezinye izinzuzo eziningi zentela, akuzona ezawo wonke umuntu. Kubantu abaningi i-Self Invested Personal Pension inzima kakhulu. Uma uzizwa ungakhululekile ngokukhetha owakho ukutshalwa kwezimali, kanye nokuphatha iphothifoliyo yakho yokutshalwa kwezimali (kanye nobungozi obubandakanyayo), cishe akuyona impesheni ekulungele wena.

Ngokunamathela ohlelweni lwempesheni yomuntu siqu, okungenani unochwepheshe ophatha imali yakho kanye nokutshalwa kwezimali egameni lakho. 

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