Yenza inzuzo njengelungu le-GEPF uma ususempeshenini
SITSHALA NONGUBENI WEZIMALI
UMBUZO: Ngihlela ukuyeka umsebenzi wokuba wuthishanhloko ekupheleni konyaka ozayo. Ngizobe sengiqede iminyaka engu-41 ngisebenza kanti kuyo yonke le minyaka benginesikhwama engilondoloza kuso imali yokuya empeshenini. Ngilondoloze imali engaphezulu kuka-R5 million.Ngizwile ngandlebenye ukuthi ngingakwazi ukuthenga i-living annuity. Umbuzo wami uthi ngingaqhubeka nokugcina imali yami neGEPF noma ngizithengele eyami i-annuity?
IMPENDULO: Uma ungenalo ulwazi olwanele ngokuhlela imali kuyaye kube wumqondo omuhle ukuxhumana nomeluleki wezezimali ogunyaziwe. Isizathu salokhu ngukuthi kumele umeluleki ahlole isimo sempilo yakho bese echaza ngezinhlelo ezahlukene zokutshala imali ezizohambisana namaphupho akho ngaphambi kokuya empeshenini. Lokhu kukukhipha engozini yokusebenzisa yonke imali oyilondolozile emva kwesikhathi esifushane usempeshenini okanye imali oyilondolozile ingaba sengozini yokwehlelwa ngamandla okuthenga ngenxa ye-inflation. Uma sekucutshungulwe yonke le mibuzo, kungaqalwa kubhekwe izinhlelo ezizokwazi ukumelana nezidingo zakho.
UMBUZO: annuity?
IMPENDULO: I-living annuity wuhlelo lokulondoloza imali emva kokuthatha impesheni. Iyini i-living Lokhu kukunikeza ithuba lokonga imali oyilondolozele impesheni ukuze uthole inzuzo. Ungathenga i-living annuity emva kokuya empeshenini uma unalezi zinhlelo zokonga imali: pension fund, provident fund, preservation fund noma i-retirement annuity fund.
UMBUZO: Ubani ongalondoloza imali ngohlelo lwe-living annuity?
IMPENDULO: I-living annuity ilungele abantu asebethathe impesheni futhi abalondoloze imali ezinhlelweni ezifana ne-pension, provident, preservation noma i-retirement fund kanti uthola inzuzo nge-living annuity. Awukwazi ukubandakanya izindleko zakho zansuku zonke kwi-living annuity.
UMBUZO: Ngiyenza kangaki inzuzo ohlelweni lweliving annuity?
IMPENDULO: Ungakhetha ukuthi imali yakho uyithole nyanga zonke, ngekota ngonyaka noma kabili ngonyaka noma kanye ngonyaka.
UMBUZO: Ngingakhipha imali engakanani kwi-living annuity?
IMPENDULO: Imali ongayikhipha minyaka yonke ingalinganiselwa ku-5% kuya ku-7.5% wemali oyilondolozile isihlangene yonke. Isibonelo: uma utshala elinganiselwa ku-R1 million ukhethe ukuhola u-1% ngonyaka emalini oyilondolozile, ungahola u-R175 000 ngonyaka noma u-R14 583 ngenyanga.
UMBUZO: Ngingayishintsha imali engiyihola kwi-living annuity noma yingasiphi isikhathi?
IMPENDULO: Ungakhetha ukuguqula inani lemali oyithola minyaka yonke noma amahlandla oyithola ngawo; kanye ngonyaka, emva kosuku owabhalisa ngalo isivumelwano se-living annuity.
UMBUZO: Ngabe imali yami izoqhubeka ikhule?
IMPENDULO: Sikhetha uhlelo lokutshala imali ngokwesimo sakho sokuphila ukuze siqinisekise ukuthi imali yakho iyaqhubeka nokukhula. UMBUZO: Ngabe kuyisiqiniseko ukuthi inani lemali engiyilondoloze kwi-living annuity lizoya njengokwesivumelwano?
IMPENDULO: Asikwazi ukuqinisekisa. . Inani elisesikhwameni sakho sempesheni lincike ekutheni uhlelo olukhethile lwenza kanjani ezimakethe. Inani lingehla noma lenyuke.
UMBUZO: Ngingakwazi ukususa imali kwi-annuity engaphansi kwe-GEPF ngiyifake kwi-living annuity?
IMPENDULO: Cha, uma usuhola imali kuhulumeni awukwazi ukususa imali oyihlomulile uyifake kwiliving annuity. Abantu abangakhipha imali yomhlomulo wokuya empeshenini abangakwazi ukuthatha uhlelo lwe-living annuity.
UMBUZO: Ibuphi ubungozi bokutshala imali kwi-living annuity.
IMPENDULO: Ukuthatha uhlelo lwe-living annuity kuyingozi ngoba ungasebenzisa yonke imali oyilondolozile ngokushesha.
UMBUZO: Kwenzekani uma ngidlula emhlabeni?
IMPENDULO: Uma udlula emhlabeni imali esele kwi-living annuity izohlukaniselwa ababhalwe ohlwini lwabazohlomula. Abazohlomula bangakhetha ukuthi imali bayithole zinyanga zonke, bayithathe iyisamba noma bakhethe kokubili.
*Xhumana ne-Inkunzi Wealth Group ku-087 160 0018 eGoli noma 087 160 0017 eThekwini noma uthumele ku – invest@iwgsa.co.za .