Ifa lesizukulwane: Uhlelo olusha lwengcebo

• About the Author:
• Igama lomlobi

  I-Quantumrun Foresight
• February 7, 2024

Isifinyezo sokuqonda

Ukushintshashintsha kwefa lesizukulwane kubumba kabusha isimo somphakathi nezomnotho, ikakhulukazi ngokukhula kwabesifazane njengabazuzi abakhulu. Lokhu kudluliswa kwengcebo kungashintsha izitayela zokutshalwa kwezimali, kube nomthelela ezenzweni zezinkampani futhi kubangele izinguquko kuzinqubomgomo zikahulumeni ukuze kuqinisekiswe ukusatshalaliswa okufanele kanye nokulingana kwezomnotho. Lezi zinguquko zibonisa uguquko olungase lube khona endleleni ingcebo ethinta ngayo izakhiwo zomphakathi.

Umongo wefa lesizukulwane

Ifa lesizukulwane lisho ukudlulisa ingcebo nempahla isuka kwesinye isizukulwane iye kwesinye. Ngokomlando, imithetho efana Nomthetho Omelene Nokuphila Kwaphakade e-US ikhawulele ukulawula ingcebo kwesikhathi eside kwezizukulwane ezidlule, ukuqinisekisa ukuthi izimpahla ekugcineni zakhululeka emikhawulweni yokhokho. Kodwa-ke, izinguquko zezomthetho zakamuva zibone ukuchithwa kwemithetho enjalo ezifundazweni eziningi, okuvumela ukwakhiwa kwamathemba obukhosi. Emakhulwini eminyaka, lawa ma-trust abekwazi ukulawula futhi asabalalise izimpahla ezizukulwaneni zabahlali, okuphawula ushintsho olukhulu ezinkambisweni zefa lomcebo. 

Lolu shintsho luqondana nokudluliswa okukhulu komcebo e-US njengoba ama-Baby Boomers eqala ukudlulisa impahla yawo. Ubunkimbinkimbi bemithetho yefa bube yinkemba esika nhlangothi zombili; kuyilapho ihloselwe ukulawula ukusatshalaliswa kwengcebo, ubunkimbinkimbi babo buvame ukuzuzisa labo abanezinsiza zokuyizulazula, okungenzeka ivule indlela yenkathi entsha yengcebo eyandisiwe yezicukuthwane. Imithelela yalezi zinguquko ijulile, ikakhulukazi eziguquguqukayo zengcebo yobulili e-US. Ucwaningo lubonisa ukuthi abesifazane, okwamanje abalawula cishe ingxenye eyodwa kwezintathu yempahla yezezimali e-US, balungele ukuthola ifa ingxenye ebalulekile ye-USD $68 trillion yokudluliselwa kwengcebo evela kwa-Boomers. 

Lolu shintsho lungase luveze ushintsho olukhulu esimweni sezezimali, njengoba abesifazane ngokwesiko behola kancane futhi benezinsiza zomnotho ezimbalwa kunabesilisa. Abesifazane bangathola amandla ezezimali angakaze abonwe kodwa futhi badinga ulwazi lwezezimali nokuhlela. Lokhu kushintsha kwengcebo emhlabeni wonke kuphakamisa imibuzo ebalulekile mayelana nomthelela wako ezakhiweni zezomnotho nezenhlalakahle. Nakuba ukudluliselwa okunjalo kungase kushintshe ukuphila, ikakhulukazi kulabo ababakaki bengcebo ephansi, nakho kunamandla okwandisa ukungalingani kwengcebo. 

Umthelela ophazamisayo

Ukudluliselwa okukhulu komcebo kubantu besifazane kungase kuholele ekushintsheni okukhulu emaphethini okutshala izimali nasekuthathweni kwezinqumo ngezezimali. Njengoba abesifazane bejwayele ukutshala imali eningi kwezemfundo, ezempilo, kanye namaphrojekthi agxile emndenini, lokhu kushintshwa kwengcebo kungaholela ekwandeni kwezimali kule mikhakha. Ukwengeza, umthelela okhulayo wezezimali wabesifazane ungase uqhubekisele phambili indlela yokutshala imali enesibopho emphakathini, okungase kube nokulungisa kabusha izitayela zemakethe kanye nezinto ezibalulekile zebhizinisi.

Ezinkampanini, lokhu kudluliswa kwengcebo kokukhiqiza kuveza kokubili izinselelo namathuba. Amabhizinisi angase adinge ukushintshanisa amasu awo okumaketha nawokuthuthukisa umkhiqizo ukuze abhekelele abantu besifazane abacebile. Ngaphezu kwalokho, izinkampani eziqondanisa amanani azo kanye neminikelo yazo nezithakazelo kanye nezinto eziza kuqala kuleli qembu lezomnotho elikhulayo zingathola inzuzo yokuncintisana.

Ohulumeni babhekene nomsebenzi obalulekile wokuphatha imithelela yezenhlalo nezomnotho yalokhu kudluliselwa kwengcebo. Izinqubomgomo nemithethonqubo ingase idinge ukuzivumelanisa nezimo ukuze kuqinisekiswe ukusatshalaliswa kwengcebo ngendlela efanele futhi kubhekwane nokwanda kokungalingani kwengcebo okungenzeka kube khona. Ohulumeni bangaphinde bahlole izindlela zokweseka ulwazi lwezezimali kanye nokuhlela ukukhulisa imithelela emihle yalokhu kudluliselwa komnotho emphakathini.

Imithelela yefa lokukhiqiza

Imithelela ebanzi yefa lokukhiqiza ingase ihlanganise: 

• Uxhaso oluthuthukisiwe ekunakekelweni kwezempilo nezemfundo ngenxa yezintandokazi zokutshala izimali zabesifazane, ukuthuthukisa impilo yomphakathi kanye nekhwalithi yemfundo.
• Ukwenyuka kokugcizelela ekutshalweni kwezimali okunesibopho emphakathini, ukukhuthaza izinkampani ukuthi zithole izinqubo ezisimeme kakhulu nezinokuziphatha okuhle.
• Ukushintshashintsha kwemakethe yezindlu nezindlu, nokukhuphuka kwesidingo sezakhiwo ezifanele ubunikazi obubodwa nokuhlala kwezizukulwane eziningi.
• Ukwandiswa kwezinsizakalo zokweluleka ngezezimali ezibhekiswe kwabesifazane, okuholela embonini yokuhlela yezezimali ehlukahlukene.
• Ukukhula kokubaluleka kokuhlela izindlu kanye nemfundo yokuphathwa kwengcebo, okuholela ekufundeni okungcono ngezezimali phakathi kwezizukulwane ezincane.
• Ukwanda okungaba khona kwemisebenzi yokuphana, njengoba abantu abacebile ngokuvamile behlanganyela kakhulu ekunikeleni ngosizo.
• Izinguquko kuzinqubomgomo zentela zikahulumeni ukuze kubhekwane nemithelela yokudluliswa kwengcebo enkulu, okungase kuthinte imithombo yemali engenayo yomphakathi.
• Imakethe yezabasebenzi ijwayelana nabasebenzi besifazane abanamandla ngokwezimali, okungenzeka kube nomthelela ekuguquguqukeni kwegebe lobulili.
• Ushintsho olungase lube khona ezinhlakeni zamandla ezepolitiki, njengoba ukuqoqwa kwengcebo kungaholela ekwandeni kwethonya ekuthathweni kwezinqumo zezepolitiki.

Imibuzo okufanele icatshangelwe

• Ngabe isimo esishintshayo sobunikazi bengcebo singaba nomthelela kanjani ezintweni ezibalulekile namagugu ezinqubomgomo zesikhathi esizayo zomphakathi nezomnotho?
• Ukukhuphuka kwamandla ezezimali abesifazane kungawalungisa kanjani kabusha amamodeli ajwayelekile ebhizinisi nezimakethe zabathengi?