Malu‘i ‘a e Me‘a Fakapa‘anga ‘a e Fāmilí ‘aki e Faka‘ehi‘ehi Mei he Kākaá
Fakatokanga ʻa e ʻētitá: Naʻe ʻoatu ʻi Fēpueli ʻo e 2008 ha tohi ʻa e Kau Palesitenisī ʻUluakí ki he kāingalotu ʻo e Siasí ʻo fakatokanga ke ʻoua naʻa nau kau atu ki ha ngaahi fakahū paʻanga ke tupu ʻi ha founga kākā. ʻOku ʻoatu ʻe he fakamatala ko ʻení ha niʻihi ʻo e ngaahi fakaʻilonga angamaheni ʻo e kākaá.
ʻI he hoko ʻa Māsolo Lominī ko ha tokotaha kei talavou toki ʻosi mei he kolisí, naʻe siʻi ʻa ʻene ʻilo fekauʻaki mo e ʻinivesimení (investment) ʻi he taimi ne kamata tokanga ai ki he māketi paʻanga (money market). Hili haʻane talanoa mo hano kaungā-ngāue ne maʻu haʻanau tupu lahi mei he ʻinivesi ʻi he koulá mo e silivá, ne fakakaukau ai ʻa Misa Lominī ko e ʻinivesi ʻeni ki aí. Naʻá ne fakatau ha tangai paʻanga maka (coins), aleaʻi leva ke tauhi ʻa e paʻanga ko ʻení ʻe he kautaha pē ko ia naʻá ne fakatau mei aí peá ne ngāueʻaki leva ha nō mei ha pangikē ke toe kumi ʻaki ha toe ngaahi tangai paʻanga maka lahi ange.
Meʻa pangó he ne ʻikai toe tupu ʻa e mahuʻinga ia ʻo e ngaahi paʻanga maká pea kamata ke holo hono mahuʻingá. Makehe mei heʻene moʻua lahí, ne toki ʻilo ange ki mui ʻe Misa Lominī kuo puli e kautaha ia naʻá ne ʻinivesi aí. Naʻa nau kākaaʻi ʻa e kakai naʻa nau fengāueʻakí (customers) ʻaki ʻenau fakatau ange ha ngaahi tangai koula ne ʻikai ke ʻi ai, ʻa ia ne nau talaange te nau tauhi pē ʻi heʻenau fale tauhiʻanga koloa ʻoku malú. Ne kākaaʻi ʻa Misa Lominī.
Hangē ko e niʻihi ʻoku nau maʻu ha tupu mei he ngaahi faʻufaʻu ʻo ha ʻinivesimení, ne ngāueʻaki ʻe he kautahá ni ʻa e faingamālie ko ʻení ke nau fakaʻaongaʻi ʻa e meʻa ne pehē ʻe vave taha ʻene tupú ʻi he taimi ko iá. Ka he ʻikai ngata heni ʻa e kau kākaá.
Ne pehē ʻe Misa Lominī, ʻa ia ʻoku lolotonga hoko ko e palōfesa ʻi he ʻUnivēsiti Pilikihami ʻIongí pea fakatefito ʻene ngaahi fakatotoló ki he kākaá, ʻoku toe lahi ange ʻa e kākaá he ngaahi ʻahó ni pea ʻoku hoko ia ko ha meʻa ke hohaʻa ki ai ʻa e kakaí kotoa, kau ai ʻa e kāingalotu ʻo e Siasí.
Naʻá ne pehē, “ʻI he ʻahó ni ʻoku hoko mai ʻa e kākā ʻi he ʻinivesimení ʻi ha ngaahi founga kehekehe ka ʻoku lahi ha niʻihi ʻiate kinautolu ʻoku fai tatau honau ʻulungāanga ʻa ia ʻoku totonu ke ne ʻai ke tau toe huʻuhuʻu ai.”
Neongo ʻoku ʻi ai pē ha kiʻi palopalema (risk) ʻe ala hoko ʻi ha faʻahinga ʻinivesimeni pē, ka ʻe ʻomi maʻu pē ʻe he ngaahi faʻufaʻu kākaá ha ongoʻi fakavavevave, fokotuʻu ʻo fakapapauʻi mai ʻe ʻi ai ha tupu pea ʻe siʻisiʻi pē ha palopalema ia, pe te nau fakalotoa ʻa e kakaí ʻaki ʻenau ngāue ʻaki ha kakai ʻoku nau maheni lelei pe ʻiloa.
Ongoʻi Ke Fakavavevavé
Ka ʻi ai ha faingamālie ʻoku fie maʻu ke fai ki ai ha tali ʻi he vave tahá, ʻoku meimei ko ha fakaʻilonga mahino ia ʻo e kākaá. Ko e taha ko ia ʻokú ne feinga ke fakalotoʻi ha taha ke ne fakatau ha meʻá, ʻe lava ke ne pehē ko ha faingamālie pē ʻeni ʻe taha ʻi he moʻuí pe ko e niʻihi toko siʻi pē ʻe lava ʻo kau maí, ka ko hono fie maʻu ko ia ha tali ʻi he vave tahá ʻoku ʻuhinga ia he ʻikai ha taimi pe ʻe siʻisiʻi e taimi ia ke fakakaukauʻi ai ʻa e fakapapaú pe ke toe vakaiʻi ʻa e puipuituʻa ʻo e ʻinivesimení.
Ne fakamamafaʻi ʻe ʻEletā M. Lāsolo Pālati ʻo e Kōlomu ʻo e Kau ʻAposetolo ʻe Toko Hongofulu Mā Uá ʻi ha lea ʻi he konifelenisi lahi ʻo e 1987 ʻa e mahuʻinga ko ia ʻo hono vakaiʻi fakalelei ʻo e ngaahi fili ki he ngaahi meʻa fakapaʻangá.
Naʻe pehē ʻe ʻEletā Pālati, “ʻOku ʻikai ha ngaahi founga faingofua mo nounou ia ki he malu fakapaʻangá. ʻOua naʻá ke falala ke ʻoange hoʻo paʻangá ki ha niʻihi taʻe te ke tomuʻa vakaiʻi ha ngaahi fokotuʻutuʻu ke fai ha ʻinivesi. Kuo fuʻu lahi fau e mole ʻa e paʻanga ʻa hotau kakaí ʻi heʻenau falala ʻo foaki ia ki he niʻihi kehé. ʻI heʻeku fakakaukaú, he ʻikai pē ke potupotutatau ʻetau moʻuí kaeʻoua kuo tau mapuleʻi lelei ʻetau ngaahi meʻa fakapaʻangá” (“Keeping Life’s Demands in Balance,” Ensign, May 1987, 13).
ʻE feinga ʻa e kau faʻufaʻu kākaá ke ʻi ai ha ongoʻi ʻoku ʻi ai e fiemaʻu fakavavevave ke fai ha tali koeʻuhí ke fakaʻaiʻai ʻa e tokotaha ʻinivesí ke fai mo kau atu kimuʻa pea lava ʻo vakaiʻi lelei e ngaahi meʻa ʻe ala fai ki ai e hohaʻá. ʻOku mahuʻinga ke ʻi ai ha taimi ke fakakaukauʻi lelei ai ʻa e tafaʻaki kotoa ʻo e fili ʻe faí. Ko e faingamālie ko ia ke fai ha ʻinivesi leleí ʻe ʻi ai pē ia ʻi ha taimi feʻunga ke ʻi ai ha faingamālie ke ke fakakaukauʻi lelei ai ʻa e ngaahi filí.
Fakapapauʻi ʻo e Tupú, Siʻi e Palopalemá
He ko hai ia te ne lava ʻo fakasītuʻaʻi ha faingamālie ke fai ha ʻinivesi ʻo kapau ʻoku siʻi e palopalema ʻe ala hokó pea fakapapauʻi mai ʻe ʻi ai e tupu? Hangē ʻoku ʻikai ke moʻoni ʻeni, pea fakatatau mo e lau ʻa Palaieni Satiuiki ko ha tokoni palōfesa ʻi he meʻa fakapaʻangá ʻi he ʻUnivēsiti Pilikihami ʻIongí, ko hono moʻoní pē ia.
Naʻe pehē ʻe Misa Satiuiki, “He ʻikai lava ʻe ha taha ia ʻo palōmesi mai ʻe māʻolunga maʻu pē ʻa e tupu ʻe maʻu maí, pea ʻoku ʻikai ke ʻi ai ha palani ke tuʻumālie vave ʻe ola lelei maʻu pē. ʻOku ʻikai lava ke fakapapauʻi ʻe lelei pe māʻolunga maʻu pē ʻa e meʻa ʻe maʻu mai mei he ʻinivesimení.” Ka ʻe fokotuʻu atu ʻe he niʻihi ʻoku nau tuʻuaki atu ʻa e ngaahi fakakaukau ko iá, pea te nau feinga ke maʻu ho lotó koeʻuhí ko e holi ko ia ke maʻu ha tupu ʻi ha taimi vave.
ʻOku poupouʻi ʻe Misa Satiuiki ʻa e niʻihi ko ia ʻoku nau ʻamanaki ke fai ha ʻinivesí ke nau ngāueʻaki ha ongo tefitoʻi moʻoni mahuʻinga ʻe ua ki ha fili ʻi ha faʻahinga ʻinivesimeni pē.
Naʻá ne pehē, “ʻuluakí, ʻiloʻi ʻa e meʻa mo e kakai ʻokú ke ʻinivesi aí. Uá, ʻinivesi pē ʻi ha kakai mo ha ngaahi kautaha lelei.”
Ko e taimi lahi ʻoku faʻa hoko atu pē ʻa e ngaahi faʻufaʻu kākaá (schemes) koeʻuhí ko e ʻikai ke ʻiloʻi ʻe he niʻihi ʻoku nau fai e ʻinivesí ʻa e meʻa ʻoku nau ʻinivesi aí, pea ko e meʻa pē ʻoku nau vakai ki aí ko e meʻa ʻoku maʻu maí. ʻI he foaki atu ʻe he kau ʻinivesi foʻoú ʻenau paʻangá, ʻoku ngāueʻaki ia ke totongi ʻaki ʻa e niʻihi ne nau tomuʻa ʻinivesí, ʻo fakatupu ai hono feʻaveʻaki ʻo e paʻangá pea faifai pē ʻo tō lalo.
Naʻe fakamatalaʻi ʻe ʻEletā Siosefa B. Uefilini ʻo e Kōlomu ʻo e Kau ʻAposetolo ʻe Toko Hongofulu Mā Uá ʻi haʻane lea ʻi ha konifelenisi lahi ʻo e 2004 ʻo pehē ko e taimi lahi ʻoku faʻa maʻu ʻe he kāingalotú ha loto manumanú pe siokitá pea lava ke taki ai kinautolu ki ha ngaahi founga ngāue fakapaʻanga ʻoku taʻe fakapotopoto mo fakavalevale.
Naʻá ne pehē, “Siʻi ngaahi tokoua mo e tuofāfine, tokanga telia ʻa e mānumanú. Ko e taha ia ʻo e ngaahi meʻa fakamamahi taha ʻi he ngaahi ʻaho fakaʻosí ni. ʻOkú ne fakatupu ʻa e holi fāivavalé pea mo e loto tāufehiʻá. Pea ʻoku faʻa iku ia ki he pōpulá, loto mamahí pea mo e hulutuʻa ʻo e moʻuá” (“Ngaahi Moʻua Fakamāmani, Ngaahi Moʻua Fakalangi,” Liahona, Mē 2004, 40).
Ngāueʻaki ha Kakai ʻOku Mou Maheni Lelei Pe ʻIloʻi
Ko e tokolahi te nau ala fai ha ʻinivesi ʻo kapau ʻoku nau ʻilo ʻoku kau ki ai honau tokouá, tuofefiné, faiako fakaʻapí, kaungāʻapí pe kaungā-ngāué. ʻE faʻa ngāueʻaki ʻe he kau tuʻuakí ʻa e ngaahi sīpinga ko ʻení ke langaki ʻaki ha vā fefalalaʻaki. Neongo pe ʻoku moʻoni pe ʻikai ʻa e kau atu ʻa e ngaahi kaungāmeʻa mo e maheni ko ʻení, ka he ʻikai lava ʻe he niʻihi ʻoku nau fai ʻa e ʻinivesí ʻo fai ha tali lelei ki he founga hono ngāue ʻaki ʻo e mālohi ʻo e toʻú.
Naʻe pehē ʻe Misa Lominī, “ʻOku ʻikai mahino ki he kakai tokolahi ʻa e ngaahi tefitoʻi moʻoni totonu ko ia ʻo e ʻinivesí pea ʻoku ʻikai ke nau fie fakamoleki ha taimi ke fekumi pe fakatotoloʻi ha meʻa. Ka ʻoku nau fakafalala ki ha ngaahi moʻoniʻi meʻa kuo fakatotoloʻi ʻe ha taha kehe. ʻI he taimi ʻoku nau fanongo ai ki he hingoa ʻo e kakai ʻoku nau mahení, ʻoku nau pehē ai pē ʻe kinautolu kuo ʻosi fai ha fekumi.”
ʻOku meimei lahi tatau pē ʻa e ngaahi fokotuʻu kākaá mo e tokolahi ʻo e kakai ʻoku nau fai e kākaá. Neongo ʻoku ʻomi ʻe he ngaahi lea hangē ko e tokotaha alea loi pe kākā ha fakafōtunga ʻo e ʻulungāanga pau ki heʻetau fakakaukaú ka ʻoku ʻikai ha ngaahi ʻulungāanga pau ia ʻo ha taha ʻokú ne tuʻuaki atu ha ngaahi ʻinivesimeni kākā. Ko hono moʻoní, ko e niʻihi angamaheni pē ʻeni ia mei he ngāueʻanga pe lotú, kāinga pe kaungāmeʻa ofi pea mahalo ʻoku ʻikai ke nau ʻiloʻi ʻe kinautolu ʻa e lahi ʻo ʻenau kaunga ki he meʻá ni.
Ne pehē ʻe Misa Lominī, “Fehuʻi hifo pē kiate koe pe ʻokú ke tokanga ki aí koeʻuhí pē ko hoʻo ʻilo ʻoku kau atu ki ai ha taha ʻokú ke ʻiloʻi. Kapau ko ia, mahalo ʻoku totonu ke ke toe kiʻi fakatatali peá ke vakaiʻi ʻa e puipuituʻa ʻo e ʻinivesimení. Neongo pe ko e hā e tuʻunga falalaʻanga ʻo e fakamatala ko iá, ʻoku ʻikai pē totonu ke fai ʻe ha taha ʻoku ʻamanaki ke ne ʻinivesi ha fili tuʻunga pē ʻi he faleʻi ʻa e niʻihi kehé.”
Fakaʻehiʻehi Mei Hono Kākaaʻi Kitá
Koeʻuhí ko e fakaʻau ke lahi ange ʻa e kākā ʻi he ngaahi ʻinivesimení, kuo fai ai ʻe he kau taki ʻo e Siasí ha faleʻi ke fakaʻehiʻehi mei he ngaahi ʻinivesi taʻe fakapotopoto pea fakamamaʻo mei he moʻuá.
Naʻe lea ʻa Palesiteni Kōtoni B. Hingikelī (1910–2008) ʻi ha konifelenisi lahi ʻo e 2003 ʻo pehē, “ʻOku mau kole atu ki hotau kakaí ke mou fakaʻehiʻehi mei he fakamoʻua taʻe totonú, pea fakaʻaongaʻi fakapotopoto ʻenau paʻangá he ngaahi meʻa ʻoku nau faí, pea fakahū ha paʻanga talifaki ki ha fakatuʻutāmaki ʻe hoko. ʻOku mau fakatokanga ki hotau kakaí ke nau fakaʻehiʻehi mei he ‘ngaahi meʻa ke maʻu ai ha paʻanga vavé’ mo e ngaahi tauhele kehe ʻoku fakataumuʻa maʻu pē ke tauheleʻi ʻa e kakai ʻoku kākaaʻi ngofuá” (“Ko e Tuʻunga ʻOku ʻi ai e Siasí,” Liahona, Mē 2003, 4).
ʻI Fēpueli ʻo e 2008 ne ʻoatu ai ʻe he Kau Palesitenisī ʻUluakí ha tohi ki he kau taki fakalotofonua ʻi ʻAmelika mo Kānatá mo ha pōpoaki ke nau fakapotopoto ʻi hono tokangaʻi ʻo e ngaahi meʻa fakapaʻangá. Naʻa nau fakahā ʻenau hohaʻa koeʻuhí ko ha niʻihi ʻe lava ke nau ngāueʻaki ʻa e feohi mo e falala ko ia kiate kinautolú ke nau tuʻuaki atu ha ngaahi fokotuʻutuʻu taʻepau pea nau vahevahe ai ha ngaahi tefitoʻi moʻoni pau ke ʻoua naʻa hoko ai ha palopalema: “ʻUluakí, fakaʻehiʻehi mei he fakamoʻuá, kae tautautefito ki he fakamoʻua ʻo e ngaahi meʻa ʻoku ʻikai fie maʻú; uá, ki muʻa peá ke ʻinivesí, fekumi ki ha faleʻi mei ha tokotaha faleʻi ki he ngaahi meʻa fakapaʻanga ʻoku ʻi ai haʻane laiseni ke fai ia; pea ko hono tolú, fakapotopoto.”
ʻE lava ke maʻu ha ngaahi maʻuʻanga tokoni ki he ngaahi tefitoʻi fiemaʻu fakapaʻanga ʻa e fāmilí mei he Uepisaiti ʻa e Siasí, ProvidentLiving.org. ʻOku maʻu ʻi he saiti ko ʻení ha kalasi ako ki he ngaahi meʻa fakapaʻanga, ngaahi lea mei he kau taki ʻo e Siasí, nāunau fakalēsoni pea lava ke maʻu atu ai mo ha toe ngaahi nāunau maʻuʻanga tokoni kehe.