Ungakhetha ukuthi impesheni yakho uyithola kanjani
Umalume washeshe wathatha umhlalaphansi eneminyaka engama-55 ubudala. Umqashi wakhe wathi kukabili, angathatha isamba semali esilinganiselwa e-1/3 empeshenini emveni kwalokho abesehola nyanga zonke noma angayikhipha yonke imali yakhe ayilondolozele umhlalaphansi wakhe. Umalume ubefuna ukusebenzisa indlela yesibili yokukhipha yonke imali aseyilondolozele ukuya empeshenini. Ngakho uyewaya kumeluleki wezezimali ukuyobuza ukuthi angakwazi yini ukuvula isikhwama esizogcina le mali kanye nenkampani umeluleki asebenza phansi kwayo.
Umeluleki wamtshela ukuthi lokhu kungenzeka futhi angakwazi ukusabalalisa utshalomali lwakhe nale nkampani. Ube eseya ebhange ukuyithola ulwazi ngezinhlelo ibhange elinazo uma efuna ukutshala imali yakhe yempesheni. Bamtshela ukuthi angakwazi ukuthi asebenzise i-1/3 wemali esesikhwameni sakhe sempesheni bese kuthi esele akakwazi ukuyikhipha, isetshenziselwa ukuthenga enye yama-annuity okungolunye uhlelo lokulondoloza emva kokuthatha umhlalaphansi. Usedidekile mayelana nokuthi imiphi imininingwane okuyiyona yona. Angakwazi ukukhipha isamba esiyi-1/3 bese etshala imali kwezinye izikhwama zokulondoloza emva kokuthatha impesheni yakhe?
Lokhu singakuphendula ngokuthi kuvamise ukungaqondakali futhi kulethe ukukhathazeka. Akesicacise ngesimo sikamalume wakho:
Unyokolume usengathatha umhlalaphansi esikhwameni sakhe sempesheni. Ngokuthatha umhlalaphansi nazi izinto angakwazi ukuzenza:
Angakwazi ukuthatha yonke imali elondoloziwe esikhwameni sakhe sempesheni ayifake kuPreservation Fund, nanoma ingaba imalini, akukalelwe isamba semali ongasifaka kanti awuyihlawuleli intela ngokwenza lokhu. Uma imali yakhe isikuPreservation Fund, angakwazi ukukhetha izindlela okanye ezinye izikhwama ezahlukahlukene angakwazi ukutshala kuzo imali yakhe yempesheni kodwa lokhu kuyaye kumiswe ukuthi isimo sakhe sisebungozini obungakanani, ukuze aqhubeke nokukhulisa imali yakhe kuze kube uyidinga ukuyisebenzisa. Injongo yePreservation Fund ukulondoloza imali ukuze ukwazi ukuyikhipha emveni kwesikhathi esinqunyiwe. Lena yindlela ephephile yokulondoloza imali yempesheni yakho.
Angakhipha yonke imali ayilondolozile esikhwameni sempesheni ibe ngukheshi inqobo nje uma imali yakhe ingevile ezi-R247 500. Lokhu kuyaye kuncike enteleni yomholo esizoyichaza uma siqhubeka.
■ Uma imali ayilondoloze esikhwameni sempesheni ingaphezulu kwenani eliyizi-R 247 500, angakhipha i-1/3 yemali ibe ngukheshi bese kuthi esalayo emva kwalokho kumele athenge i-annuity. Le annuity eyimpoqo izomkhokhela impesheni nyanga zonke kanti ingakwazi ukuthi ikhokhwe ngekota onyakeni okanye kanye ngonyaka. Leli holo likhokhelwa intela.
Noma ngabe unyokolume ukhipha i-1/3 ibe ngukheshi noma ukwazi ukuyikhipha yonke imali yakhe esikhwameni, kuyomele akhokhe intela. U-SARS unomgomo okwazi ukuthi enye ingxenye yemali ingabanjelwa intela. NgokukaSARS le migomo engenzansi yentela isebenza uma unyokolume engazange akhiphe imali singakashayi isikhathi sokuya empeshenini.
Uma eseke wayikhipha imali, kuyomele akhokhe intela ethe xaxa eskhwameni sakhe sempesheni. Impesheni okanye phecelezi i- annuity azoyithola ku-annuity ephoqiwe, njengoba ngike ngasho ngaphambilini, izothathwa njengeholo kanti ingengezwa kwenye imali ayitholayo kanti ikhokhelwa intela.
Uma unyokolume ekhetha ukufaka yonke okanye ingxenye yempesheni yakhe ku- annuity eyimpoqo, ziningi izinhlelo nemihlomulo angazikhetha. Lokhu kuyaye kube impicabadala kwabanye njengoba kuyisinqumo esikhulu nesibalulekile. Kubalulekile ukuxhumana nomeluleki wezezimali oqeqeshiwe ukuqinisekisa ukuthi uyaqonda ngezinqumo angazithatha nokuthi ngabe zizoyithinta kanjani impilo yakhe, ukuze anethezeke empeshenini yakhe ngokwezimali.
UMnumzane uNkomo uMqondisi noMsunguli we-Inkunzi Wealth Group. Utholakala ku: 011 047 6500, email: invest@iwgsa.co.za