LWANDLE ZUNGU
UPATRICK oneminyaka engu-60, usekulungele ukuya empeshenini. Washonelwa yinkosikazi yakhe. Usebenza embuthweni wamaphoyisa eSAPS, unguSuperintendent kanti usesebenze iminyaka engu-30.
Uhlala ePitoli kanti unezingane ezintathu nabazukulu ababili. Uhlela ukungcebeleka nomndeni wakhe kodwa okusemqoka wukuthi ingxenye yemali azoyithola esikhwameni sempesheni iqhubeke nokunakekela umndeni wakhe noma engasekho.
UPATRICK ANGAKWAZI UKUYA EMPESHENINI PHANSI KOHLELO LWE- GEPF
Uzothola isamba semali esibizwa nge- gratuity kanye ne- annuity. Lolu hlelo luqinisekisa ukuthi uhola nyanga zonke kuze kuba uyadlula emhlabeni. Lolu hlelo lubizwa nge- Life noma i- Guaranteed Annuity.
Uma eseyithengile i- annuity asikho isidingo sokuba ethathe ezinye izinqumo ngoba imibandela ayiguquki kuze kuba uyadlula emhlabeni. Lolu hlelo ngolusebenzela labo abafuna ukuthola iholo nyangazonke uma sebesempeshenini.
OKUSIZAYO NGALOLU HLELO
Uzothola isigaxa semali angayisebenzisela ukungcebeleka nomndeni wakhe, aphinde akhokhele izikweletu nezindleko zakhe.
Uzohola impilo yakhe yonke. Kanti ukwenyuka komholo wakhe kuzoncika ekwehleni nazekwenyukeni kwamandla erandi, phecelezi
Abukho ubungozi bokuncipha kweholo ngenxa yokungenzi kahle kwezimakethe.
Uzothola umhlomulo womshwalense wezempilo kanye ne- policy ezobhekelela izindleko zomngcwabo.
Imali ekhokhwayo yokuphumula isikhashana emsebenzini ikhokhwa iwukheshi.
Uzokwazi ukuthi athathe izinqumo ngotshalomali lwakhe uma ekhetha lolu hlelo.
OKUBI NGALOLU HLELO
Abantu ababhalwe ohlwini lwabazohlomula efeni lakhe ngeke bakwazi ukuthola imali uma edlula emhlabeni emuva kweminyaka emihlanu yesikhathi esikaliwe.
Uzokhumbula ukuthi uPatrick ufisa ukuthi ingxenye yemali idluliselwe emndenini wakhe uma kwenzeka edlula emhlabeni. Kepha uma edlula emhlabeni eminyakeni emihlanu, umndeni wakhe uzothola umhlomulo kwiannuity kuze kube kuphela iminyaka emihlanu.
Uma efuna ukutshala imali ngezinye izindlela, kumele akhethe ukuthenga i- living annuity.
UPATRICK ANGAKWAZI UKUFAKA UMHLOMULO WEMPESHENI KWI-PRESERVATION FUND
I-GEPF izofaka umhlomulo wakhe wempesheni kanye nemali ezosala kwinzalo nomhlomulo kwi- preservation fund. Okuhle ngalolu hlelo wukuthi awuyikhokhi intela uma ukhetha ukufaka imali kwi- preservation fund egunyaziwe.
Emuva kwalokho angakwazi ukukhipha imali elinganiselwa kokukodwa kokuthathu komhlomulo wakhe wempesheni.
Umnikelo owufake kwi-GEPF ngaphambi kuka 1 March 1998 awukhokhelwa intela kanti kuzonyusa isamba sakhe semali engakhokhelwa intela.
INTELA YOMHLOMULO IMA KANJENA: INTELA YEMPESHENI (2016/2017 UNYAKA WENTELA) R1 050 001 nangaphezulu
UPatrick angasebenzisa ingxenye yemali esele esikhwameni sempesheni (emuva kokukhipha elinganiselwa kokukodwa kokuthathu) ukuthenga uhlelo oluzokwakha imali, efana neliving annuity.
I- living annuity iwuhlelo olukhokha imali luyisusela emalini elondolozelwe ukuya empeshenini uma usuwuthathile umhlalaphansi.
Yakhelwe ukuba umuntu osempeshenini akwazi ukuthola umholo kubatshalimali asebengene empeshenini besebenzisa imali abayithole uma beyingxenye yohlelo lwempesheni, provident noma i- retirement annuity fund.
Uyakwazi ukuba ukhethe isamba seholo olifunayo - kungaba zinyanga zonke, kanye ngonyaka, kabili ngonyaka noma kanye ngonyaka. Kepha akuqinisekisiwe INANI LENTELA
0% yemali ekhokhelwa intela 18% wemali yentela engaphezulu kuka- R500 000
R36 000 + 27% wemali yentela engaphezulu kuka- R700 000
R130 500 + 36% wemali yentela engaphezulu kuka- R1 050 000