Yikuphi okungcono ukwesula nokulinda impesheni?
SITSHALA NONGUBENI WEZIMALI
UMBUZO: Mhla zingu-30 kule nyanga ngizobe ngihlanganisa iminyaka engu-65 kanti kuzobe sekuyisikhathi sokuya empeshenini. Ngizobe ngiqeda iminyaka engu42 nezinyanga ezinhlanu ngisebenzela uhulumeni. Sonke isikhathi ngisebenza bengikhokha imali nyanga zonke kwi-GEPF - isikhwama sempesheni sabasebenzi bakahulumeni.
Ngishadile kanti umhlomulo wami wempesheni uzoba iholo lesibili. Nginemali engiyilondolozile kodwa ngihlela ukungayikhiphi ingakapheli iminyaka emihlanu emuva kokuya empeshenini. Ngihlela ukusebenza izinsuku ezimbalwa ngesonto, ukuze ngikwazi ukuqhubeka nokuhola. Kubukeka ngingeke ngiwuswele umsebenzi.
Ngingakhetha kokubili; ukuya empeshenini noma ukwesula emsebenzini. Kepha iningi lozakwethu likhetha ukwesula emsebenzini, lithathe isamba semali kunokuhola impesheni nyanga zonke. Isizathu salokhu wukuthi kungenzeka imali yesikhwama seGEPF isetshenziswe ukutakula iminyango kahulumeni edonsa kanzima. Ukukhula kwemibono mayelana nenkohlakalo kuleli kubhebhethekisa ungabazane. Impendulo: Ukuze ukwazi ukuthola izeluleko ezigcwele kubalulekile ukuqonda kabanzi ngesimo sakho sezimali. Lokhu kubandakanya impahla, izindleko, iholo lazinyanga zonke, intela, isimo sakho sokutshala imali, uhlelo lwefa nokunye. Kuyaye kuhlelwe ngokwezidingo nesimo sakho.
Uma ingekho le mniningwane lesi seluleko sizokubeka esithombeni uma ukhetha ukwesula emsebenzini okanye uthathe impesheni. Ukuya empeshenini: Ibhonasi, phecelezi i-13th cheque, ungayilondoloza ukuze kunyuke isamba semali eminyakeni emihlanu.
Kuhle ukuba nomshwalense wokungcwaba wenani lika-R7500 kepha kungenzeka ukuba ungeneli izindleko zomgcwabo, itshe nokunye. Kungamele wengeze imali.
Imali ekhokhelwa ikhefu inezindleko zentela kepha awulahlekelwa uma wesula emsebenzini.
Isibonelelo somshwalense wezempilo sika-R2 159 ngenyanga, ekhuphuka ngonyaka, sikhokhwa impilo yakho yonke.
Uma udlula emhlabeni ingakapheli iminyaka emihlanu, umuntu oshade naye uzoqhubeka nokuthola imali bese kuthi emuva kweminyaka emihlanu ahole u-50% wempesheni yakho. Ezinye izimali ziyacwila. Konke lokhu kutholakala uma ukhetha uhlelo lwempesheni olunozinzo kanti olukhuphuka ngo-7.5% (leli phesenti lingaphezulu kwe-inflation).
Isamba semali yempesheni esingu-R500 000, nangaphansi, asikhokhelwa intela.
Ngokwemigomo yezomsebenzi, ingxenye yemali yempesheni ngeke ibe nezindleko zentela ngokomgomo ka-31 March 1998. Ukwesula emsebenzini: Uma wesula emsebenzini ngalesi skhathi ulahlekelwa yile mhlomulo elandelayo; Ibhonasi yaminyaka yonke Umshwalense wokungcwaba
Isbonelelo somshwalense wezempilo
Ukukhokhelwa kwekhefu ngokheshi
Umhlomulo wokwesula emsebenzini ungafakwa esikhwameni esiseceleni kanti imali ungayigcina ngokuyitshala kutshalomali ozikhethele lona kuze kube uya empeshenini.
Uma wesula emsebenzini, ukukwazi ukukhipha okukodwa kokuthathu kwisamba semali (uma isamba sokuqala singekho ngaphezulu kuka-R500 000 awuyikhokhi intela).
Isamba esisalayo ungasitshala kwi-living annuity okanye uthathe i-life annuity ene-life assurer. I-life annuity ehlanganiselwe ingathengwa kumshwalense. Kunezinhlelo ezehlukene ezikhona kanti i-annuity ingahlanganiswa ne-inflation ekhokhwa kuze kube kushona oshade naye.
I-living annuity inikeza igunya lokuba uzithathele izinqumo kanye nomeluleki wezezimali. Kulolu hlelo ukukhishwa kwemali kuba kanye ngonyaka (imali elinganiselwa ku- 2.5% wesamba semali esingakhuphuka sibe ku-17.5%) yize singaphakamisa ukuba ibe phakathi kuka- 5 no-6%. Uma udlula emhlabeni, yonke imali idluliselwa kwabasohlwini lwabazohlomula okanye izingane zakho. Bangaqhubeka nokukhipha imali.
Okubi ngalolu hlelo lweliving annuity ngukuthi, ubungozi botshalomali bubheka wena. Izinqumo ezingaphusile nokukhipha imali ngokungenamkhawulo kungaba nomthelela ongemuhle kuwe ngakhoke kusemqoka ukuba ufune umeluleki uma uya empeshenini.
Ukuxhumana ne- Inkunzi Wealth Group sishayele ku-087 1600 018, noma usithumelele i-email ku: invest@iwgsa.co.za