Selma – investing & retirement

Yakha ingcebo, hlela ikusasa lakho, futhi uphathe imali yakho yokonga yempesheni.

USelma ungumphathi wengcebo yedijithali waseSwitzerland okusiza ukuthi utshale imali, ukhule futhi uphathe imali yakho ngokuzenzakalelayo. Kungakhathaliseki ukuthi wakha ingcebo yesikhathi eside, utshala imali yakho yokonga, noma uphatha imali yempesheni ngemuva kokuthatha umhlalaphansi, uSelma udala isu lokutshala imali elenzelwe wena elifanela impilo yakho futhi likuphelezele endleleni - ngeseluleko esihlakaniphile esisebenza nge-AI.

Joyina abatshalizimali abangaphezu kuka-16,000 eSwitzerland abathemba uSelma ukuthi uzophatha imali yabo.

USelma Finance AG ungumphathi wezimpahla waseSwitzerland ozimele ogunyazwe yi-FINMA.

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Ukutshala imali okwenzelwe wena okuvumelana nempilo yakho
USelma udala iphothifoliyo ye-ETF ehlukahlukene emhlabeni wonke ngokusekelwe esimweni sakho sezezimali, izinga lengozi kanye nendawo yokutshalwa kwezimali.

Isu lakho lishintsha ngokuzenzakalelayo njengoba izimakethe zihamba noma impilo yakho ishintsha - kukusiza ukuthi uhlale utshale imali ngezinga elifanele lengozi.

Ungenza futhi iphothifoliyo yakho ngokwezifiso zakho ngenkathi uSelma eqhubeka nokuphatha isu lilonke.

Izindikimba zephothifoliyo ezitholakalayo kanye nezintandokazi:
- Okuvamile
- Okusimeme
- Imali engenayo (Egxile kwisabelo)
- Ukucwasa kwaseSwitzerland

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Ukuqonda ukutshalwa kwezimali kwakho
I-Selma ikusiza ukuthi ubone ukuthi imali yakho isebenza kanjani kuwe.
Landelela ingcebo yakho, uhlole izibikezelo futhi uqonde ukuthi ukutshalwa kwezimali kwakho kuguquka kanjani ngokuhamba kwesikhathi.

Ngokuqonda okucacile namathuluzi abonakalayo ungenza lokhu:
- ukulandelela ukusebenza kwephothifoliyo yakho
- ukubuka ingcebo yakho iyonke kanye nenqubekela phambili ngokuhamba kwesikhathi
- ukuhlola izimo
- ukubona ukuthi amadiphozithi kanye nokuhoxiswa kwemali kuthinta kanjani ingcebo yakho yesikhathi esizayo

I-Selma ikusiza ukuthi wenze izinqumo zesikhathi eside ezingcono.

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Amathuluzi okuhlela anamandla
I-Selma ifaka amathuluzi ahlakaniphile aklanyelwe ukukusiza uhlele ikusasa lakho lezezimali.

Lokhu kufaka phakathi:
- isibali sobude bempesheni ukulinganisa ukuthi ingcebo yakho ingahlala isikhathi esingakanani
- ukulingiswa kwesimo ukuhlola imiphumela ehlukene yemakethe
- iziqondiso zediphozithi zokukusiza ukuthi utshale imali entsha ngokuzethemba
- Iseluleko esisebenza nge-AI esiqondene nawe kanye nesimo sakho sezezimali kanye nokutshalwa kwezimali - sitholakala amahora angama-24 ngosuku, izinsuku eziyi-7 ngesonto

Konke kuklanyelwe ukukugcina ugxile ekutshalweni kwezimali kwesikhathi eside.

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Ukutshala imali emhlalaphansini
Ukutshala imali akupheli lapho uthatha umhlalaphansi.

USelma uyakusiza ukuthi uphathe ingcebo ngaphambi nangemva kokuthatha umhlalaphansi ngamasu aklanyelwe ukuzinza kwezezimali.

Ungakwazi:
- ukutshala imali yempesheni
- ukuhlela ukuhoxiswa kwemali engenayo yomhlalaphansi
- ukulandelela ukuthi imali yakho eyongiwe ingahlala isikhathi esingakanani
- hlola nochwepheshe bethu ukuze uthole ukuhlaziywa kwezezimali okuningiliziwe

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Qala ukutshala imali ngemizuzu

1. Phendula imibuzo embalwa mayelana nesimo sakho sezezimali kanye nemigomo
2. Thola isu lakho lokutshala imali elenzelwe wena bese ukhetha itimu yephothifoliyo yakho kanye nezintandokazi
3. Vula i-akhawunti yakho ku-inthanethi
4. Vumela uSelma aphathe ukutshalwa kwezimali kwakho ngokuzenzakalelayo

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Inani eliphansi lokuqala
Qala ukutshala imali nge:
- 2’000 CHF yamaphothifoliyo okutshalwa kwezimali
- 500 CHF yensika 3a

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Intengo esobala
USelma ukhokhisa imali elula yokuphatha ngokusekelwe ezimpahleni zakho ezitshaliwe.

- kufika ku-50’000 CHF – 0.68% ngonyaka
- 50’000 - 150’000 CHF – 0.55% ngonyaka
- 150’000 - 500’000 CHF – 0.47% ngonyaka
- ngaphezu kuka-500’000 CHF – 0.42% ngonyaka

Azikho izindleko ezifihliwe.

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Kungani abatshalizimali bekhetha iSelma
- Ukuphathwa kwengcebo ka-2026 kanye nomnqobi wokuqhathanisa amabhange we - imbuyiselo ehlanzekile eSwitzerland
- amaphothifoliyo e-ETF enziwe ngokwezifiso
- ikhambi lomhlalaphansi elizinikele
- izinketho zokwenza ngokwezifiso iphothifoliyo
- ukuphathwa kwephothifoliyo okuzenzakalelayo
- ukuqonda kokutshalwa kwezimali namathuluzi okuhlela
- amanani asobala
- Umphathi wempahla olawulwa yi-FINMA waseSwitzerland
- ukwesekwa kwabantu uma ukudinga

Ukutshala imali kuyindlela ende. I-Selma ikusiza ukuthi uhlale endleleni.

Landa uhlelo lokusebenza bese uqala ukutshala imali namuhla.