Okwenzeka ngemali yempesheni uma usushonile

SITSHALA NONGUBENI WEZIMALI

KWENZEKANI NGEMALI ENGIYIHOLA UMA SENGISEMPESHENINI UMA NGIDLULA EMHLABENI?

UMA uthatha impesheni yakho kwi-retirement fund, unelungelo lokushintshela ohlelweni lotshalomali olungakunika iholo uma usuthatha impesheni. Izinhlelo ezifana ne-living noma i-guaranteed life annuity zikahle. Enye into emqoka nge-living annuity wukuthi utshalomali lwakho lungakwazi ukusalela umuntu osuke umkhethile ukuthi athole imali yakho. Lokhu akwenzeki kwi-guaranteed life annuities ngoba umholo uyanqamuka uma udlula emhlabeni.

KWENZEKANI KWILIFE ANNUITY YAMI?

i-Life annuity ikhokha imali yempesheni nyangazonke inqobo nje uma usaphila. Kepha uma udlula emhlabeni ukukhokhwa kwale mali nyanga zonke kuyanqamuka kanti nomuntu omabele imali yakho akatholi lutho. Amanye amaannuities eza nesibopho esithi azokhokha imali iminyaka emihlanu, lokhu kusho ukuthi omabele uzohlomula emalini yakho aqhubeke ahole imali nyanga zonke iminyaka emihlanu emva kokudlula kwakho THUMELA umbono ngalolu daba kuFacebook (Isolezwe), kuTwitter (@isolezwenews) noma umqhafazo ku-45773. I-sms ibiza R1,50. emhlabeni.

Ungasenyusa isikhathi sokukhokhwa kwempesheni yakho emva kokudlula kwakho emhlabeni kodwa lokhu kusho ukuthi uzohola imali engaphansi nyangazonke. Kunohlelo oluvumela ukuthi oshade naye ahole yize usudlulile emhlabeni, lokhu kubalulekile ikakhulukazi uma kunguwe obhekela zonke izindleko zenu. KWENZEKANI KWILIVING ANNUITY? 1. Bala bonke abantu abondliwa nguwe. Lapha kungaba umuntu oshade naye, izingane noma ngabe yimuphi umuntu okuqinisekisiwe ukuthi wondliwa nguwena. 2. Nquma ukuthi uwucaza kanjani umhlomulo emva kokwenza uphenyo. Ababa sohlwini lwabazohlomula nabo bazombandakanywa. Abahlomula esikhwameni sakho sempesheni kuba yilabo obabhalise njengabazohlomula. Lokhu kuyaye kucutshungulwe abaphathi besikhwama ukuqikelela ukuthi akubi khona abangadingi ukuhlomula. Ukukhethwa ukuthi ube sohlwini lwabazohlomula akuqinisekisi ukuthi uzohlomula.

3. Yenza isinqumo ngokuthi umhlomulo uzokhokhwa kanjani.

Uma senza isibonelo, umhlomulo ungakhokhelwa ngqo lowo owondliwa nguwena noma omqoke ukuba abheke izingane zakho uma zisezincane okanye imali ibe sesikhwameni esibizwa nge-trust.

Yize abengamele isikhwama sempesheni besuke behlose ukuqeda uhlelo ngokushesha kodwa umthetho ubanikeza isikhathi cishe esilinganiselwa onyakeni owodwa ukuthola abazohlomula kanti lolu hlelo lungathatha isikhathi eside ukugoqwa.

Ziningi izindlela ezikhona zokuthi bangayithola kanjani imihlomulo yabo abasohlwini lokuhlomula. 1. Bangashintshela umhlomulo wabo kwi-living noma i-guaranteed life annuity. 2. Bangathatha isamba semali ibe ngukheshi kepha lokhu kunomthelela wokukhokha intela.

3. Bangathatha kokubili, isamba semali ne-living noma i-guaranteed life annuity.