Kuningi okumele ukuqaphele uma usuthatha impesheni
SITSHALA NONGUBENI WEZIMALI
EZINYANGENI ezedlule sibheke izindlela ezehlukene ezizokusiza uma usuthatha umhlalaphansi ngokunethezeka. Yize ukuba nemali eyanele uma uya empeshenini kubalulekile, kusemqoka ukuthi usebenzise imali oyilondolozile ngobuhlakani ukuze uqikelele ukuthi iyakulondoloza isikhathi eside.
Njengoba sesisondele emaphethelweni ochungechunge ngezokuhlela ukuthatha impesheni, sizodingida izindlela ezehlukene ezizokusiza ukuthi uphathe kahle imali yakho emva kokuya empeshenini. Sizoqala ngokuchaza ngezinto okufanele uzenze emuva kokuthatha impesheni.
Yiziphi izinhlelo ongakhetha kuzo uma usuthathe umhlalaphansi?
Uma uyilungu le-Pension noma iRetirement Annuity Fund, ungakhetha phakathi kwalezi zinhlelo:
Ungathatha ingxenye eyodwa kwezintathu (1/3) emalini yakho ibe ngukheshi bese usebenzisa esalayo ukuthenga i-annuity noma noma uwusebenzise wonke umhlomulo ukuthenga i-annuity.
Okwamanje imali ovunyelwe ukuthi uthenge i-annuity uma uyithola lapho kade usebenza khona iwu-R247 500. Uma uthole engaphansi kwalokho uvumelekile ukuthi uyithathe yonke ibe ngukheshi.
Uma ungumuntu oneProvident Fund uvumelekile ukuthatha imali yakho yempesheni yonke ibe ngukheshi. Uma unquma ukuthatha imali ethile ibe ngukheshi, noma ukungayithathi nje, kumele esalayo uthenge ngayo i-annuity.
Kusemqoka ukwazi ukuthi uhulumeni usabheka indlela yokushintsha imigomo yemihlomulo yempesheni eyi-annuity neProvident Fund kusukela ngo 11 March 2018 ukuze zihambisane nemigomo elawula labo abakhetha i-Pension okanye i-Retirement Annuity Funds.
Yiziphi izinhlobo ezahlukene ze-Annuity?
Zimbili izinhlobo ze-annuity ongakhetha kuzo – Living Annuities ne-Guaranteed Annuities. i-Living Annuities Kwi-Living Annuity uyakwazi ukukhetha utshalomali olulingana nenani lepolicy yakho. Uyakwazi futhi ukukhetha imali ozoyihola. Imali ongayihola iphakathi kuka-22.5% no1.5% wenani lotshalomali lwakho ngonyaka kanti ungakwazi ukushintsha lephesenti kanye ngonyaka ngosuku owathatha ngalo i-policy. Uma udlula emhlabeni labo obabhale kuhla lwabazohlomula kutshalomali lwakho bayakwazi ukuthi bathole umhlomulo. Intengo yeLiving Annuity yakho, ayihlali ifana ngoba kunezinto ezinomthelela kuyo njengohlobo lotshalomali oluthathile kanye nemali oyiholayo kuyo. Lokhu kusho ukuthi usengozini yokuphelelwa yimali ususempeshenini uma ungathathi izinqumo eziphusile ngemali yakho yempesheni.
Ama-Guaranteed Annuities
Ama-Guaranteed Annuities akhelwe ukuthi uhole imali impilo yakho yonke emva kokuthatha umhlalaphansi inqobo nje uma usaphila. Imvamisa adayiswa yizinkampani zomshwalense. Imali yakho uyihola ngendlela ehlukene. Umshwalense uqagela ukuthi uzophila iskhathi esingakanani kanye nohlobo lwe-annuity oyithengile. Ngenxa yokuthi umshwalense yiwona oqinisekisa umholo wakho, ubungako bemali oyitholayo buvamise ukuba buncane uma kuqhathaniswa nokutholayo kwi- Living Annuity. Kodwa kayikho ingozi yokuphelelwa yimali. Uma wedlula emhlabeni umholo uyama kanti akekho ophinde awuthole kodwa kunendlela ekhokhelwayo ongenza ngayo kwipolicy ukuze kube khona abahlomulayo uma ushona.
Intela olindeleke ukuba uyikhokhe uma uthatha umhlalphansi
Yize ingxenye yomhlomulo wempesheni yakho owusebenzise ukuthenga i-annuity ungakhokhelwa intela, kepha umholo owuhola kwi-annuity uyakhokhelwa intela, kuye ngeminyaka yakho nemali oyiholayo.
Uma ukhetha ukuthi uthathe isamba semali ibengukheshi uma uthatha impesheni, ugunyaziwe ukuba ukhokhe intela ngokwe ntengo yentela etholakala kwi-Retirement Fund Lump Sum Benefits or Severance Benefits Tax Table. Okwamanje u-R500 000 wokuqala awuyikhokhi intela kuwo. Uma kungaphezu kwalokho ukhokha phakathi kuka-18%- 27%-36%.
Kuningi okumele ukubheke uma unquma ngohlelo lotshalomali emva kokuya empeshenini. Ukuba nolwazi olwanele ngokuthi ukhethe ukuthatha isamba semali nokukhetha uhlelo lwe-annuity oluzokusebenzela, kungaba nzima, yingakho kubalulekile ukuba uxhumane nabeluleki bezimali abangachemile ukuze bakusize ukwenza izinqumo ezihambisana nezidingo zakho nomndeni wakho emva kokuthatha impesheni.