Hlanganisa kahle izinhlelo zokulondoloza impesheni
SITSHALA NONGUBENI WEZIMALI
NGINEMINYAKA engu-52 kanti sengibe nohlelo lokulondolozela impesheni kusukela ngineminyaka ewu-26 kanti bengiyibeka imali nasemisebenzini ebengiyenza selokhu ngaqala ukusebenza. Manje senginezinhlelo cishe ezintathu, umbuzo wami uthi, ngenze njani ngalezi zinhlelo, njengoba ngingasakwazi ukulondoloza kulezi zinhlelo zempesheni? Ngidinga usizo oluzongisiza ukuthi ngithathe isinqumo esiphusile ngalezi zinhlelo.
Ziningi izinto ongazenza mayelana nalesi simo, kepha ukuhlanganisa lezi zinhlelo kusemqoka kanti kusiza ekutheni ube nesithombe esicacile sokuthi unemali engakanani, kanti uyakwazi ukuphatha kalula imli yakho, kuphinde kwehlise nezindleko nefayela lakho libe lula. Umbuzo uthi, ngabe uhlanganisa kanjani izinhlelo zakho zokulondolozela impesheni?
Nazi izinto ongakhetha kuzo ukuzenza:
Uhlelo lomqashi wakho ngabe liyakuvumela ukuba ushintshe?
I-Retirement Annuity Fund, awukhokhi intela uma ushintshela kulolo hlelo?
Uma uzethemba ukuthi ungakwazi ukuzenzela lezi zinguquko, lezi zinhlelo zingakusebenzela. Kepha uma ungenalo ulwazi olwanele, nesikhathi sokwenza ucwaningo ngalezi zinhlelo, ungaxhumana nomeluleki wezezimali. Uma ukhetha ukuthatha i-retirement annuity ungakwazi ukuqhubeka nokulondoloza esikhwameni sakho sempesheni.
Nazi izinto ezigqamile ngeretirement annuity: I-Retirement Annuity uhlelo lokutshala imali ekuvumela ukuthi ulondoloze imali yakho yokuya empeshenini ngendlela ezokwenza ukhokhe intela engakhuzi phezulu, kepha uma usebenzisa izinhlelo ezifana ne-Employer Pension noma i-Provident Fund, ungakwazi ukwakha iskhwama sotshalomali. Lolu hlelo lukahle uma ufuna ukunyusa intengo yemali oyilondolozele impesheni. Awuyikhokhi intela kwinzuzo yesabelo kanye nenzalo. Uma uthatha umhlalaphansi uvumelekile ukuthi uthathe ingxenye yemali ibe ngukheshi bese kuthi enye ingxenye uyifake kwi-Annuity. I-Retirement Annuity ayikulungele uma ufuna ukukhipha imali yakho ungakabi neminyaka engu-55.
Ukuzihlelela ngokuya empeshenini ngenye yezinto ezisemqoka kubasebenzi, kepha kwabanye lokhu kuba iphupho ngoba bayahluleka ukulondoloza imali ngendlela. Ukhiye wokuzihlelela kahle ukuya empeshenini ngukuba nesithombe esicacile ngokuthi ukuya empeshenini kumele kube kanjani, ukuze uqonde ukuthi uzothinteka kanjani ngokwezezimali. Yize iningi lethu lifisa ukulondoloza ngaphambi kokuya empeshenini, iqiniso ukuthi ukulungela ukuya empeshenini kulele ekuthi uzimise kanjani izibalo zakho.
Inhloso yethu ukuthi amakhasimende ethu kungukubabamba ngesandla kule ndlela yokulondoloza imali ukuze bathathe izinqumo ezibalungele. Siyaqonda futhi ukuthi uma kuziwa ekuhleleleni ukuya empeshenini, ukunethezeka kungenye yezinto ezisemqoka. Noma yiziphi izinhlelo onazo noma isithombe onaso ngokuya empeshenini, umbuzo wokuqala uthi: Uzokwazi ukuzeseka ngokwezezimali uma ungasasebenzi?