Engingakwenza uma ngithatha udekle ngiyilungu leGEPF

SITSHALA NONGUBENI WEZIMALI

Isolezwe - - IMIBONO - Kuloba u-Owen S Nkomo

UVUMELEKILE ukukhipha imali esikhwameni sakho sempesheni, inqobo nje uma usuneminyaka ewu-60. Kepha umbuzo uthi, ngabe iluphi uhlelo olukulungele wena siqu sakho?

Uma uthatha umhlalaphansi kade uyilungu lweGovernment Employees Pension Fund (GEPF), uvumelekile ukukhipha u-1/3 wemali yempesheni yakho ibe ngukheshi bese kuthi esalayo uthenge ngayo i-annuity. Ungathenga i-annuity kahulumeni noma kwabanye ababoneleli bezezimali.

I-GEPF wuhlelo olunedumela ngoba aluvamile ukunika amalungu alo ubuhixihixi. I-annuity iqinisekisa ukuthi uzohola impilo yakho yonke noma ungaqhubeka uphile isikhathi esingakanani emva kokuthatha impesheni.

Lolu hlelo luhle kakhulu kodwa awukwazi ukudlulisa imali esalayo kumalungu omndeni wakho uma kwenzeka udlula emhlabeni.

Kodwa uma ilungu leGEPF lidlula emhlabeni kungakapheli iminyaka emihlanu lithathe impeshenini kukhona okukhokhwa wuhlelo. I-GEPF iyakhokha amaannuities koshade naye noma izintandane.

Ungaqhubeka nokuba yilungu leGEPF uma:

• Ufuna umhlomulo wokuhola impilo yakho yonke.

• Ufuna ukuvikeleka ngenxa yokuthi lolu hlelo luthenjwa kakhulu.

• Awufuni ukuthatha isinqumo ngotshalomali lwakho.

• Awufuni ukubeka impesheni yakho ebungozini.

Ngabe yiziphi ezinye izinhlelo ezikhona?

I-living annuity yakhelwe ukuba ukwazi ukuhola uma usuthathe umhlalaphansi. Ungathenga i-living annuity ngomhlomulo wakho wesikhwama sempesheni. Kuyindlela yokuthi ukhulise imali esesikhwameni sempesheni uphinde ukwazi nokuhola kuyo. Iyini i-living annuity? I-living annuity wuhlelo olusebenzela abantu abathatha umhlalaphansi bebe bephansi kohlelo okanye isikhwama sempesheni, i-provident, i-preservation noma i-retirement annuity.

I-living annuity yenza ukwazi ukulawula isikhwama sakho sempesheni. Kuwuhlelo lokutshala imali inhloso yalo okungukukhulisa imali oyitshalile ngesikhathi usesempeshenini.

Ngingahola kangaki uma sengithathe umhlalaphansi?

Ukuthi uhola kangakanani kukuwena kodwa futhi ungakwazi ukubuyekeza isinqumo sakho minyaka yonke ngosuku owaqala ngalo ukutshala imali. Ungahola nyanga zonke, kanye ngonyaka noma kabili ngonyaka.

Umthetho uthi kumele uhole noma ikanye ngonyaka. Kanti akuvumelekile ukuthi kukhishwe imali ngaphandle kweyeholo kuphela.

Ngingahola malini ngohlelo lwe-annuity?

Umthetho obekiwe ukuvumela ukuthi ukhethe ubungako bemali ephakathi kuka-2.5% no-17.5% wemali onayo esikhwameni sempesheni. Lokhu kusebenzela abafuna imali enkulu ngesikhathi esifushane noma abafuna ukwehlisa intela emholweni wabo. Kodwa lokhu kungaba nomthelela kwimpesheni yakho nemali oyiholayo uma kuwukuthi imali oyiholayo ingaphezulu kunobungako bokukhula kwemali oyitshalile ngonyaka.

Iyiphi ingozi yokutshala kwi-living annuity?

Kwi-living annuity kunengozi yokuthi ungasebenzisa yonke imali oyilondolozile. Kubalulekile ukuthi uyigade indlela osebenzisa ngayo imali ubheke nemali oyiholayo. Kumele uqikelele ukuthi uyazazi izinto eziba nomthelela emholweni wakho ukuze ukwazi ukuzihlelela uma usuthahte umhlalaphansi.

Kwenzekani uma ngidlula emhlabeni?

Imali obuyithola kwiliving annuity ikhokhelwa umuntu omqoke njengendlalifa yakho uma kuwukuthi uyadlula emhlabeni. Ingakhishwa futhi ibe yisamba iphinde ifakwe kwenye i-living annuity noma kwenzeke kokubili.

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