Amasu okuthi imali iqhubeke inakekele umndeni usushonile
SITSHALA NONGUBENI WEZIMALI
UPATRICK oneminyaka engu-60 usekulungele ukuya empeshenini. Usashonelwa ngumkakhe. Usebenzela amaphoyisa, iSAPS lapho engu-Superintendent. Usewasebenzele iminyaka engu-30. Uhlala ePitoli, unezingane ezintathu nabazukulu ababili. Uhlela ukungcebeleka nomndeni wakhe. Kodwa okusemqoka ngukuthi ingxenye yemali azoyithola iqhubeke nokunakekela umndeni wakhe noma engasekho.
1: UPatrick angakwazi ukuya empeshenini phansi kohlelo lweGEPF
Uzothola isamba semali esibizwa nge-gratuity ne-annuity. Lolu hlelo luqinisekisa ukuthi uhola nyanga zonke, kuze kube uyadlula emhlabeni. Lolu hlelo lubizwa ngeLife noma iGuaranteed Annuity.
Uma eseyithengile i-annuity asikho isidingo sokuthi ethathe ezinye izinqumo ngoba imibandela ayiguquki kuze kube uyadlula emhlabeni. Lolu hlelo ngolusebenzela labo abafuna ukuthola iholo nyanga zonke uma sebesempeshenini. Okusizayo ngalolu hlelo:
Uzothola isigaxa semali angayisebenzisela ukungcebeleka nomndeni wakhe, akhokhele izikweletu nezindleko zakhe.
Uzohola impilo yakhe yonke. Kanti umholo wakhe uzonyuka ngokwehla nokwenyuka kwamandla eRandi phecelezi, i-inflation.
Ayikho ingozi yokuncipha kweholo ngenxa yokungenzi kahle kwizimakethe.
Uzothola umhlomulo womshwalense wezempilo nomasingcwabisane.
Imali ekhokhwayo yokuphumula isikhashana emsebenzini, ikhokhwa iwukheshi.
Ukuthi athathe izinqumo ngotshalomali lwakhe uma ekhetha lolu hlelo. Okubi ngalolu hlelo: ■Abantu ababhalwe ohlwini lwabazohlomula efeni lakhe, ngeke bathole mali uma edlula emhlabeni emuva kweminyaka emihlanu yesikhathi esikaliwe. Uzokhumbula ukuthi uPatrick ufisa ukuthi ingxenye yemali idluliselwe emndenini wakhe uma edlula emhlabeni. Kepha uma edlula emhlabeni eminyakeni emihlanu, umndeni wakhe uzothola umhlomulo kwiannuity kuze kube kuyaphela iminyaka emihlanu. Kepha uma efuna ukutshala imali ngezinye izindlela, kumele akhethe ukuthenga i-living annuity.
UPatrick angakwazi ukufaka umhlomulo wempesheni kwipreservation fund:
iGEPF izofaka umhlomulo wakhe wempesheni nezosala enzalweni nomhlomulo kwi-preservation fund. Okuhle ngalolu hlelo ngukuthi awuyikhokhi intela uma ukhetha ukufaka imali kwi-preservation fund egunyaziwe. Emuva kwalokho angakwazi ukukhipha imali elinganiselwa kokukodwa kokuthathu komhlomulo wakhe wempesheni.
Umnikelo owufake kwiGEPF ngaphambi kuka-1 Mashi 1998 awukhokhelwa intela. Ukuzonyusa isamba sakhe semali esingakhokhelwa intela. Intela yomhlomulo ima kanjena:
Table 2: Intela yempesheni (2016/2017 unyaka wentela) Imali ekhokhelwa intela Inani lentela R0 – R500 000 0% yemali ekhokhelwa intela
R500 001 – R700 000
18% wemali yentela engaphezulu kukaR500 000 R700 001 – R1 050 000 R36 000 + 27% wemali yentela engaphezulu kukaR700 000 R1 050 001 nangaphezulu R130 500 + 36% wemali yentela engaphezulu kuka- R1 050 000 UPatrick angasebenzisa ingxenye yemali esele esikhwameni sempesheni (emuva kokukhipha elinganiselwa kokukodwa kokuthathu) ukuthenga uhlelo oluzokwakha imali, efana ne-living annuity.
I-living annuity iwuhlelo olukhokha imali kuyisusela emalini elondoloziwe 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 ukuthi ukhethe isamba seholo olifunayo, kungaba zinyanga zonke, kanye ngonyaka, kabili ngonyaka noma kanye ngonyaka. Kepha akuqinisekisiwe ukuthi leli holo uzolithola impilo yakhe yonke ngakho kumele aqikelele ukuthi ukale isamba esikahle semali ozoyihola. Imali esale kwi-living annuity kaPatrick uma esedlula emhlabeni izosalela umndeni wakhe.
Ukuxhumana neInkunzi Wealth Group sishayele ku-087 1600 018, noma kuma-emails: invest@iwgsa. co.za