Vula ikamva lakho lezeMali ngeMTN Yinvesta: Isikhokelo esiLula

Igqityelwe ukuvuselelwa nge-12 kaJuni ngo-2025 ngu UMichael WS

Ngaba ujonge indlela elula yokukhulisa imali yakho? UMTN Yinvesta inokuba sisisombululo usidingayo. Esi sikhokelo siya kukunceda uqonde ukuba sisebenza njani kwaye sijongane nayo nayiphi na imibuzo onokuba nayo. Makhe sihlolisise iingenelo kunye.

Yintoni uMTN Yinvesta?

I-MTN Yinvesta yinkonzo ekuvumela ukuba utyale imali yakho ngokulula usebenzisa iakhawunti yakho yeMobile yeMali yakwaMTN. Isebenzisana neSanlam Investments East Africa Limited. Bangabaphathi bengxowa-mali abanamava abanelayisensi eUganda. Imali yakho ityalwe kwiNgxowa-mali yeNgeniso yakwaSanlam. Le ngxowa-mali idibanisa imali kubatyali-mali abaninzi. Emva koko ithenga ii-asethi zemali ezahlukeneyo. Yicinge njengendlela yokwenza imali yakho ikusebenzele. Utyalo-mali lwemali yeselula lubonelela ngendlela efanelekileyo yokuthatha inxaxheba ekukhuleni kwemali ngokuthe ngqo kwifowuni yakho.

Ukuqonda iSiseko

Ukukhetha ukungena: Uyavumelana nemigaqo xa ukhetha "Faka ukungena." Oku kuqinisekisa ukuba ufunde kwaye waqonda yonke into. Uzibophelela ekusebenziseni iqonga ngokuthembekileyo nangokusemthethweni.

Iingcaciso eziphambili:

• Isivumelwano: Le migaqo nemiqathango inokuhlaziywa nguMTN.
• Umthetho osebenzayo: Imithetho yaseUganda ilawula esi sivumelwano.
• Usuku lweKhalenda: Zonke iintsuku zeveki, kubandakanywa neeholide.
• Phuma kuyo: Xa uthatha isigqibo sokuvala i-akhawunti yakho ye-Yinvesta.
• UmThengi: Wena, umsebenzisi we-MTN yeMobile yeMali oneakhawunti ye-Yinvesta.
• Umthetho woKhuseleko lweenkcukacha: Imithetho ekhusela iinkcukacha zakho eUganda.
• Izixhobo: Ifowuni yakho okanye ithebhulethi esetyenziselwa ukufikelela kwi-Yinvesta.
• Iintlawulo: Okwangoku, ukufaka kunye nokukhupha imali kwi-Yinvesta akukho ntlawulo yongezelelweyo.
• Iqonga le-MTN: Iqonga leMoMo olisebenzisayo ukufikelela kwiYinvesta.
• MTN Yinvesta: Iakhawunti yakho yotyalo-mali kwaSanlam ngeMTN.
• Idiphozithi yokuqala: Ungaqala nge UGX 1,000 encinci.
• Umdla: Imbuyekezo kutyalo-mali lwakho, ibalwa yonke imihla. Iqala kwi-10% ukuya kwi-12% ngonyaka.
• Inkcukacha zimntu: Iinkcukacha zakho zisetyenziselwa ukukuchonga kunye nokuhlangabezana nemimiselo.
• Ugcino oluzenzekelayo: Ugqithiselo olucwangcisiweyo oluzenzekelayo ukusuka kwiakhawunti yakho yeMTN ukuya eYinvesta. Unokuseta ubuninzi.
• Isicelo: Imiyalelo oyithumela ngeqonga le-MoMo.
• Sanlam Income Fund: Ingxowa mali elawulwa nguSanlam.
• Iinkonzo: Utyalo-mali kwi-Yinvesta, ukugcinwa kwe-auto, iziteyitimenti, ukutsalwa kwemali, imibuzo yenqanaba, kunye neekhaltyhuleyitha.
• Isicelo sokurhoxisa: Umyalelo wakho wokuhambisa imali kwi-Yinvesta ukuya kwi-wallet yakho ye-MoMo.

Ukuqalisa ngoMTN Yinvesta

Ukufikelela kuMTN Yinvesta kungqalile. Cofa ngokulula *165*7*1# kwifowuni yakho. Emva koko, faka i-PIN yakho ye-MoMo. Khetha ukhetho loku-1 lweYinvesta. Uya kubona ikhonkco kwiMigaqo kunye neMiqathango. Emva kokuzamkela, ubhaliswe ngempumelelo! Khumbula ukugcina i-PIN yakho ye-MoMo ikhuselekile. I-PIN yakho ingundoqo ekufikeleleni kwi-akhawunti yakho ye-Yinvesta.

Utyalo-mali lwakho: Ingxowa-mali yoMvuzo yakwaSanlam

UMTN Yinvesta ukunika ukufikelela kwiNgxowa-mali yeNgeniso yakwaSanlam. Le ngxowa-mali isebenza njengotyalo-mali oluhlangeneyo. Imali yakho idityaniswe nabanye ukutyala imali kwii-asethi ezahlukeneyo zemali. I-Capital Markets Authority yase-Uganda ilawula le ngxowa-mali. Imbuyekezo ivela ikakhulu kwinzala efunyenweyo. Nangona kunjalo, iinzuzo okanye iilahleko ezivela kwingxowa-mali zisenokuyichaphazela. Gcina ukhumbule ukuba ukusebenza kwangaphambili akuqinisekisi iziphumo zexesha elizayo. Ixabiso lotyalo-mali lwakho linokunyuka okanye lihle. Uthatha imingcipheko yotyalo-mali xa ufaka imali kule ngxowa-mali. Kububulumko ukufunda malunga neenkcukacha zeSanlam Income Fund kunye nobungozi.

Ngubani Onokuzimanya noMTN Yinvesta?

Ukusebenzisa iMTN Yinvesta, kufuneka ufezekise iimfuno ezimbalwa ezilula. Okokuqala, kufuneka ube nenombolo ye-MTN esebenzayo. Kufuneka ube neminyaka elishumi elinesibhozo (18) ubuncinci. Qinisekisa ukuba awukho kulo naluphi na uluhlu lwabantu abathintelweyo okanye abathintelweyo. Kufuneka unikeze ulwazi oluchanekileyo ngexesha lokubhalisa. Okubalulekileyo, kufuneka ufunde kwaye uqonde le Miqathango neMiqathango. Ngokuvula i-akhawunti ye-Yinvesta, uyaqinisekisa ukuba uyahlangabezana nale migaqo. Ukwavuma ukungasebenzisi iinkonzo kuyo nayiphi na imisebenzi engekho mthethweni. U-MTN unelungelo lokwala okanye ukurhoxisa ukufikelela kwi-akhawunti yakho ukuba kuyimfuneko.

Ukuvumelana neMigaqo

Ngaphambi kokusebenzisa iYinvesta, funda ngononophelo kwaye uqonde iMigaqo neMiqathango. Oku kuquka naluphi na uhlaziyo oluvela kwaMTN. Xa ucofa u-“Khetha” kwiqonga le-MoMo, uyavuma ukuba ubotshelelwe yile migaqo. Oku kuthetha ukuba uzifundile, waziqonda, kwaye uzamkele. Ukuba awuvumi, khetha “Yala,” kodwa awuzukwazi ukusebenzisa iinkonzo. Ukusebenzisa kwakho okuqhubekayo kweYinvesta emva kwalo naluphi na utshintsho kuthetha ukuba uyayamkela imimiselo ehlaziyiweyo. UMTN uya kuzama ukukwazisa ngalo naluphi na utshintsho esebenzisa iqonga, iSMS, okanye i-imeyile. Ukuqonda le migaqo kunceda ukuqinisekisa amava agudileyo.

Ukulawula imali yakho: iidiphozithi kunye nokurhoxa

Ukufaka imali kwiakhawunti yakho ye-Yinvesta kulula emva kokuba "Ungene." Ungathumela imali ngokuthe ngqo kwisipaji sakho se-MTN MoMo. Xa ufuna ukufikelela kwiimali zakho, ungafaka isicelo sokurhoxisa. Ungayirhoxisa inxalenye okanye yonke ibhalansi yakho yeYinvesta. Oku kuquka utyalo-mali lwakho lokuqala kunye nayo nayiphi na inzala oyizuzileyo. Usenokukhetha “ukuPhuma,” evala iakhawunti yakho kwaye itsale yonke imali. Khumbula, awunakukhupha ngaphezulu koko kufumaneka kwiakhawunti yakho yeYinvesta. U-MTN uya kuqinisekisa ukurhoxiswa kwakho okanye ukuValwa kwesicelo ngeSMS kunye nesaziso seqonga. Nje ukuba ufake iPIN yakho, isipaji sakho seMoMo kunye neebhalansi zeYinvesta ziya kulungiswa. Nakuphi na ukulibaziseka ekuqhubeni ukutsalwa kwemali kuya kwaziswa kuwe ngabakwaMTN. UMTN akanaxanduva lokulibaziseka ekuqhubeni iidipozithi okanye ukutsalwa kwemali.

Ukuphuma Xa Kufuneka

Ungakhetha ukusiphelisa esi sivumelwano nangaliphi na ixesha. Sebenzisa ngokulula “Phuma” ukhetho kwiYinvesta okanye uvale iWallet yakho yakwaMTN. UMTN ukwanalo nelungelo lokuyinqumamisa okanye lokuvala iakhawunti yakho yeYinvesta. Oku kunokwenzeka ukuba kukho ukurhanelwa ngobuqhetseba okanye isenzo esingekho mthethweni. Oku kuqinisekisa ukhuseleko kunye nokhuseleko lweqonga kubo bonke abasebenzisi.

Ukufumana Inzala kuLondolozo lwakho

Inzala oyifumanayo ngeYinvesta ibalwa yonke imihla. Le nzala inokurhoxiswa ekupheleni kwenyanga nganye. Ungayijonga inzala yakho yemihla ngemihla oyifumene kwiakhawunti yakho yeYinvesta. Ngesicelo, u-MTN uya kubonelela ngengxelo yenyanga ebonisa umvuzo wakho wenzala yemihla ngemihla. Inzala epapashiweyo lizinga lonyaka. Sele ibonisa nakuphi na ukutsalwa kwentlawulo. Le ndlela ecacileyo ikunceda ubone imali yakho ikhula. Ukugcina kunye nokutyala imali kwangoko kuvumela imali yakho ukuba ikhule ngokuhamba kwexesha ngamandla okudibanisa.

Uxanduva lwakho njengoMthengi

Njengomsebenzisi we-Yinvesta, kufuneka ugcine i-PIN yakho yeMali ephathwayo iyimfihlo. U-MTN akanatyala ngayo nayiphi na ilahleko ukuba i-PIN yakho iye yabiwa okanye ithotyelwe. Unoxanduva lwazo zonke iintengiselwano ezenziwe ngeakhawunti yakho yeYinvesta. Oku kubandakanya iidiphozithi kunye nokutsalwa kwemali. Ngalo lonke ixesha qinisekisa ukuba i-PIN yakho ikhuselekile kwaye ungaze wabelane ngayo nabani na. Ukukhusela i-PIN yakho kubalulekile kukhuseleko lwakho lwezemali.

Ukwenza Izicelo kunye nokunika iMiyalelo

Xa uthumela isicelo ngeqonga le-MoMo, ugunyazisa u-MTN ukuba enze okuthile ngaso. Unoxanduva lwazo zonke izicelo ezivela kwiakhawunti yakho. AbakwaMTN banelungelo lokukhaba nasiphi na isicelo ngokubona kwabo. Basenokwala iidipozithi okanye ukutsalwa kwemali okubonakala ngathi kuyakrokrisa okanye kungaqhelekanga. Ukuba isicelo sakho saliwe, u-MTN uya kukwazisa aze akuchazele amanyathelo alandelayo. UMTN uthathwa ngokuba wenze ngokuchanekileyo nokuba isicelo senziwe ngempazamo okanye ngobuqhophololo. Usenoxanduva lwezicelo ezenziwe ngokunyaniseka. Abakwa-MTN banokulibazisa ukwenza isicelo bade bafumane isiqinisekiso esingakumbi kuwe. Ukuba kukho ukungavisisani phakathi kwesicelo sakho kunye nesi sivumelwano, imiqathango yesivumelwano iya kulawula. Uyavuma ukukhusela uMTN kuwo nawaphi na amabango okanye ilahleko enxulumene nezenzo zabo ngokusekelwe kwizicelo zakho.

Ukuqonda imirhumo ebandakanyekayo

INgxowa-mali yeNgeniso yakwaSanlam ihlawulisa uMrhumo woLawulo woNyaka we-1.5% yemali oyityalileyo. Le mali itsalwa phambi kokuba inzala ihlawulwe kuwe. Ayizukubonakala njengentengiselwano kwiqonga le-MTN USSD. U-MTN MoMo unokukuhlawulisa umrhumo wenkonzo oyi-1% kwinzala oyifumanayo. Oku kuya kutsalwa kwimbuyekezo yakho iyonke. Ukuqonda ezi ntlawulo kukunceda wazi eyona mbuyekezo kutyalo-mali lwakho.

Ukukhuselwa: Ukukhusela iMTN

Uyavuma ukukhusela kwaye ubambe iMTN ingenabungozi kuyo nayiphi na ilahleko okanye amabango anxulumene nokusetyenziswa kwakho kweYinvesta. Oku kuquka imiba evela ekungafumanekeni kwehardware eyimfuneko okanye isoftwe. Ikwagubungela ilahleko ngenxa yokusetyenziswa gwenxa kwesoftware yomntu wesithathu okanye ukusilela kwakho ukulandela esi sivumelwano okanye ukunika ulwazi oluchanekileyo. Ukongeza, ibandakanya ilahleko ekungaphumeleli kweenkqubo zomntu wesithathu. Eli candelo lichaza uxanduva lwakho ekukhuseleni iMTN kumatyala anokubakho.

Unyino lweTyala: Yintoni uMTN angaXanduva ngayo

UMTN akanaxanduva ngayo nayiphi na imiba enxulumene nolwazi okanye ukusetyenziswa kwe-PIN yeakhawunti yakho yakwaMTN. Kananjalo abanatyala ngayo nayiphi na ilahleko, umonakalo, okanye ukwenzakala ngenxa yokufikelela okanye ukusebenzisa iqonga leMTN. Oku kubandakanya naluphi na ulwazi eqongeni okanye iinkcukacha zakho zobuqu ezithunyelwa ngayo. Ngokukodwa, u-MTN akanaxanduva: imiba ebangelwe lutshintsho lwakho kwiqonga le-MTN, ukunqongophala kwemali kwi-akhawunti yakho, imiqathango esemthethweni kwiimali zakho, imiyalelo engachanekanga yokurhoxisa, imisebenzi engekho mthethweni eyenziwa ngeakhawunti yakho, okanye ukusilela kwakho ukulandela esi sivumelwano.

Ukukhusela iDatha yakho

UMTN uyakuqonda ukubaluleka kolwazi lwakho lobuqu. Ngokusebenzisa iinkonzo zabo, uyavumelana nokusetyenzwa kwedatha yakho ngokoMgaqo-nkqubo wabo waBucala. Lo mgaqo-nkqubo ulandela yonke imithetho esebenzayo yabucala yedatha eUganda. Luxanduva lwakho ukufunda nokuqonda uMgaqo-nkqubo waBucala okhoyo kwiwebhusayithi yeMTN. UMTN uya kugcina iinkcukacha zakho ziyimfihlo kwaye asebenzise amanyathelo okhuseleko ukuyikhusela njengoko kuchaziwe kuMgaqo-nkqubo waBucala. UMgaqo-nkqubo waBucala ucacisa ukuba yeyiphi idatha eqokelelweyo, ilungiswa njani, kwabelwana ngayo nabani, amalungelo akho, kunye neenkcukacha zoqhagamshelwano ngezikhalazo.

Ngakumbi kuMda weTyala

Uyavuma ukumkhusela ngokupheleleyo uMTN kuwo nawaphi na amabango, ilahleko, umonakalo, iindleko, okanye iindleko ezivela kusetyenziso gwenxa lweAkhawunti yakho yeYinvesta. Ukuba uMTN akakwazi kutsala imali kwiakhawunti yakho ngenxa yokuvalwa okanye ezinye izizathu ezingaphaya kolawulo lwayo, imiyalelo yakho ayisayi kuhlonitshwa. Uyavuma ukuba iinkonzo zeYinvesta zixhomekeke ekufumanekeni kweenethiwekhi zomntu wesithathu kunye namaqonga. U-MTN akanaxanduva ukuba abanakukwazi ukubonelela ngenkonzo ngenxa yezizathu ezingaphaya kwamandla abo, ezifana nogwayimbo, ukusilela kombane, okanye imiba yeenkonzo zomntu wesithathu. Ukuba abakwaMTN abanyanzelisi nayiphi na inxalenye yesi sivumelwano ngoko nangoko, oko akuthethi ukuba abanakusinyanzelisa kamva. UMTN akanaxanduva ukuba isicelo sogunyaziso saliwe kuba iakhawunti yakho icinyiwe okanye inqunyanyisiwe. U-MTN akanaxanduva lokutsalwa kwemali okugunyazisiweyo usebenzisa i-PIN yakho.

Utshintsho kule Miqathango

UMTN unokuyitshintsha le migaqo nemiqathango ekuhambeni kwexesha. Baza kukunika isaziso seentsuku ezingama-30 ngalo naluphi na utshintsho ngeSMS, iwebhusayithi yabo, okanye ngezinye iindlela. Utshintsho oluluncedo lusenokungafuni isaziso sangaphambili. Ukusebenzisa kwakho okuqhubekayo kweYinvesta emva kokuba olu tshintsho lusebenze kuthetha ukuba uyayamkela imiqathango emitsha.

Ukuthotyelwa kweMithetho kunye nokuNika iNgxelo

Njengenxalenye yeQela leMTN, uMTN kufuneka alandele imithetho yamazwe ngamazwe neyasekhaya, kuquka leyo inxulumene nezohlwayo kunye nokuchasana nokuthutyeleziswa kwemali. Ukuthobela ezi zibophelelo nokulwa ubuqhophololo, uMTN uya kuhlola aze abeke iliso kubo bonke abasebenzisi beYinvesta neentengiselwano. Oku kunokukhokelela ekulibazisekeni, ekuthinteleni, okanye nasekunqunyanyisweni kwee-akhawunti okanye kwintengiselwano. UMTN uya kuzama ukukwazisa ngazo naziphi na izenzo ezinjalo. Uyavuma ukuba akukho MTN okanye abasebenzi bayo abayi kuba noxanduva ngayo nayiphi na ilahleko ebangelwe yile milinganiselo. Ukwavuma ukusebenzisa i-akhawunti yakho ye-Yinvesta ngokusemthethweni kwaye uthobele yonke imithetho esebenzayo, kuquka nemithetho echasene norhwaphilizo. Uyavuma ukuba iMTN yabelane ngedatha yentengiselwano namaqela angaphandle afanelekileyo, kubandakanywa amagunya alawulayo, ngemibuzo okanye uphando olusemthethweni. Ukwagunyazisa iMTN ukuba isebenze idatha yakho yobuqu kwaye idlulisele ngaphandle kwaseUganda ngeenjongo zesi sivumelwano kwaye njengoko kuvunyelwe ngumthetho. Uyavuma ukuba ukuba i-akhawunti yakho ifunyenwe ineemali zesenzo solwaphulo-mthetho, iMTN ingafunwa ngokusemthethweni ukuba inikezele ngeemali. UMTN unokugcina idatha yakho yentengiselwano ukuya kutsho kwiminyaka elishumi emva kokuphela kwesi sivumelwano okanye njengoko kufunwa ngumthetho.

Ulwazi ngokubanzi kunye neMiba yoMthetho

Le migaqo nemiqathango, kunye nemigaqo-nkqubo efanelekileyo yakwaMTN, zenza isivumelwano esipheleleyo phakathi kwakho noMTN. Inxalenye nganye yala magama ithathwa ngokwahlukileyo. Ukuba nayiphi na inxalenye ifunyenwe inganyanzelisi, isivumelwano esiseleyo siya kuhlala sisebenza. Awunakudlulisela amalungelo okanye izibophelelo zakho phantsi kwesi sivumelwano komnye umntu ngaphandle kwemvume ebhaliweyo yakwaMTN. I-MTN ingadlulisela amalungelo kunye nezibophelelo ngokukunika isaziso. Nangona kunjalo, ukungaboneleli ngesaziso akuyi kuchaphazela ukunyaniseka kokudluliselwa. AbakwaMTN banokuhlaziya le migaqo nemiqathango amaxesha ngamaxesha, kwaye inguqulelo yamva nje iya kuba kwiwebhusayithi yabo. Imithetho yaseUganda ilawula ukusebenzisa kwakho iYinvesta. Naziphi na iimbambano ziya kusingathwa ziinkundla zaseUganda. UMTN unelungelo lokunqumamisa okanye ukutshintsha ukufaneleka kwazo naziphi na iinkonzo nangaliphi na ixesha. Basenokunqumamisa okanye bavale ii-akhawunti ezisetyenziselwa izenzo ezingekho mthethweni okanye zobuqhophololo.

Ubumfihlo bakho bubalulekile

Ngokusebenzisa iYinvesta, uyavumelana noMTN usebenzisa iinkcukacha zakho kunye neenkcukacha njengoko kuchaziwe kwiSaziso saBucala. Ungasifumana iSaziso saBucala apha Umgaqo-nkqubo waBucala weMTN waseUganda. Icacisa indlela ulwazi lwakho oluqokelelwa ngayo, lusetyenziswe, lwabelwana ngalo, kwaye lukhuselwe.

Amalungelo ePropati yoBukrelekrele

Iqonga leMTN, iYinvesta, iilogo, kunye nepropathi enomgangatho ophezulu wokuqonda yeyakwaMTN okanye amaqabane abo. Ngokufanayo, amagama, iilogo, kunye nepropathi yobukrelekrele beSanlam Investments East Africa Limited yeyabo. Nayiphi na ipropathi entsha enomgangatho ophezulu wokuqonda eyenziwe ngentsebenziswano iya kuba ngabanini ngokudibeneyo ngaphandle kokuba iphuhliswe ngokuzimeleyo. Awuvumelekanga ukusebenzisa nayiphi na intellectual property ngaphandle kwemvume ebhaliweyo ephuma kwaMTN.

Iinzuzo zeMTN Yinvesta

1. Ukufikeleleka kunye nokuLungela:
   • Isithintelo esiPhantsi ekungeneni: Ungaqala ukutyala imali nge UGX 1,000 encinci. Oku kwenza ukuba ifikeleleke kakhulu kuluhlu olubanzi lwabantu baseUganda, kubandakanya nabo banengeniso encinci yokulahla.
   • Iselula-Eyokuqala: Le nkonzo isebenza ngokupheleleyo ngesipaji sakho se-MTN MoMo. Oku kuphelisa isidingo sokutyelelwa kwebhanki ngokomzimba okanye amaphepha anzima. Ilungele ukusetyenziswa kwemihla ngemihla ngokumangalisayo.
   • Ukusebenziseka ngokulula: Iikhowudi ezilula ze-USSD (*165*7*1#) yenza ukulawula utyalo-mali lwakho ngokuthe ngqo.
   • I-Flexible Deposits: Ungongeza imali kutyalo-mali lwakho nangaliphi na ixesha, nto leyo evumela ukonga okungaguqukiyo.
   • Ugcino Oluzenzekelayo: Ukhetho lokutshintshela oluzenzekelayo lunceda ukwakha umkhwa wokulondoloza ngokulula.
2. Ithuba lokuKhula:
   • Ukhuphiswano lwenzala: I-Yinvesta ibonelela ngenzala ye-10% ukuya kwi-12% ngonyaka. Oku kuphezulu kuneeakhawunti zogcino lwemveli kwiibhanki zorhwebo.
   • Ukubalwa koMdla wosuku: Inzala ibalwa yonke imihla kwaye ihlawulwa ngenyanga, ivumela ukudityaniswa kweenzuzo ngokuhamba kwexesha.
   • Ulawulo lobuNgcali: Iimali zakho zilawulwa yiSanlam Investments East Africa Limited, umphathi wengxowa-mali onelayisensi. Oku kubonelela ngolongamelo lobungcali kutyalo-mali lwakho.
3. Ubuninzi:
   • Ukurhoxa ngokulula: Ungayirhoxisa imali yakho kwi-wallet ye-MoMo nangaliphi na ixesha. Oku kubonelela ngemali entle yokuhlawula amatyala, okwenza imali yakho ifumaneke xa ifuneka.
4. Ukubandakanywa kwezeMali:
   • Kubantu abaninzi baseUganda, ngakumbi kwiindawo ezisemaphandleni, iinkonzo zemali eziphathwayo ezifana neYinvesta zibonelela ngesango elibalulekileyo kwiinkonzo zemali ezisesikweni. Oku kunegalelo kubandakanyo olubanzi lwemali.

Ukwehla okunokwenzeka kunye nemingcipheko

1. Umngcipheko woTyalo-mali:
   • Ukuguquguquka kweMarike: Ngelixa iSanlam Income Fund ijolise kwimbuyekezo ezinzileyo, yiyunithi trust. Amagama achaza ngokucacileyo, "Intsebenzo yangaphambili ayisosalathiso sokusebenza kwixesha elizayo njengoko ixabiso leeyunithi linokunyuka okanye lehle." Uthwele umngcipheko wotyalo-mali, okuthetha ukuba inkunzi yakho otyaliwe ayiqinisekiswanga.
   • Ukunqunyanyiswa kwentlawulelo: Kwiimeko ezithile, ilungelo lakho lokutsala imali linokunqunyanyiswa. Lo ngumyalelo oqhelekileyo wokuzihlangula kwi-unit trust fund kodwa kubalulekile ukuqaphela.
2. Iintlawulo:
   • UMrhumo woNyaka woLawulo: I-Sanlam Income Fund ibiza i-1.5% yomrhumo wonyaka wolawulo kwisixa osityalileyo. Oku kutsalwa phambi kokuba kuhlawulwe inzala.
   • UMTN MoMo umrhumo weNkonzo: AbakwaMTN MoMo banokubiza i-1% yentlawulo yenkonzo kwi umdla owenziweyo. Oku kunciphisa imbuyekezo yakho eshiyekileyo.
   • Ngelixa iidiphozithi kunye nokutsalwa kwemali ukuya/kwi-wallet yakho ye-MoMo ayinayo ngqo Imirhumo ye-Yinvesta, imirhumo yetransekshini eqhelekileyo ye-MoMo yoku-inkozo/i-cash-out isenokusetyenziswa ngokuxhomekeke kwindlela osixhasa ngayo isipaji sakho se-MoMo okanye ukufikelela kwimali ezinkozo.
3. Ukhuseleko lweDijithali:
   • Imfihlo ye-PIN: Unoxanduva lwedwa lokukhusela i-PIN yakho ye-MoMo. U-MTN akanatyala ngelahleko ngenxa yee-PIN ezithotyiweyo. Ngelixa kufanelekile, iiplatifomu eziphathwayo zithwala imingcipheko yokhuseleko lwedijithali ukuba ayiphathwa ngononophelo.
4. Ukuthembela kuMaqela eSithathu:
   • Le nkonzo ixhomekeke ekusebenzeni kothungelwano lweMTN nolawulo lwengxowa-mali yakwaSanlam. Ngelixa kulawulwa, nakuphi na ukuphazamiseka kwezi nkonzo kunokuchaphazela ukufikelela kwakho okanye utshintshiselwano.

Ngaba Ifanelekile? Isiphelo

I-MTN Yinvesta ibonakala ilukhetho olulungileyo:

• AbaTyalomali abaQalayo: Indawo yokungena ephantsi kunye nokusebenziseka ngokulula kwenza kube kuhle kwabo batsha kutyalo-mali.
• Abantu Abafuna Imbuyekezo ePhezulu kunoLondolozo lweSintu: I-10-12% yenzala yonyaka inomtsalane xa ithelekiswa neeakhawunti zogcino lwebhanki eziqhelekileyo.
• Abafuna uncedo: Ukuba usebenzisa imali ephathwayo kwaye uxabisa ngokukhawuleza, intengiselwano engenamthungo kwifowuni yakho.
• Ukwakha uMkhwa Wokulondoloza: Isici sogcino oluzenzekelayo sisixhobo esinamandla sokwakha ubutyebi ngokungaguqukiyo.
• IiNjongo ezimfutshane ukuya kweziPhakathi: Ubukho bayo buyenza ilungele imali onokuthi uyifune kwiminyaka embalwa, ibonelela ngembuyekezo engcono kunokugcina imali ingasebenzi.

Nangona kunjalo, kunokufuna ukulumka:

• Abantu abaMngcipheko kakhulu: Ngelixa ithathwa njengomngcipheko ophantsi kwingxowa-mali yotyalo-mali, asiyodipozithi emiselweyo; kusoloko kukho ilahleko enkulu.
• Abatyali-mali abaKhulu: Ngeemali ezinkulu kakhulu, ukujonga uluhlu olubanzi lweemveliso zotyalo-mali kunye nomcebisi wezezimali kunokufaneleka ngakumbi.
• Abo bangonwabanga ngoNtengiselwano lweDijithali: Ngelixa ukhuselekile ngolawulo olululo lwe-PIN, imo yedijithali ngokupheleleyo inokungafanelanga wonke umntu.

Lilonke, iMTN Yinvesta inika ithuba elixabisekileyo lokukhula kwemali kunye nokubandakanywa eUganda. Ukufikeleleka kwayo kunye nenzala ekhuphisanayo yenza ukuba ibe lukhetho olunyanzelisayo kwabaninzi. Nangona kunjalo, ukuqonda imirhumo kunye nokuvuma imingcipheko yotyalo-mali ekhoyo, nangona iphantsi kolu hlobo lwengxowa-mali, kubalulekile. Ukuba ukhululekile ngeqonga ledijithali kunye nemingcipheko echaziweyo, i-Yinvesta inokuba yinto efanelekileyo yokongeza kwisicwangciso sakho sezemali.