Siqhele ukuxelelwa ukuba xa usuka kwi-GEPF, kukho inkululeko oya kuyifumana, ke kukho ipenshini yenyanga eqinisekileyo oyifumanayo uze usweleke okanye ungadlulisela kwingxowamali evunyiweyo, kwaye kukho umgaqo we-1/3rd kunye no-2 / wesithathu osetyenziswayo.
Kodwa ngaba unayo ingcamango yokuba la manani asebenza njani kunye nendlela ababukeka ngayo ngokwenene kwaye abalwa njani?
Sijongana nale ngxaki namhlanje ngokujonga uRose Mabunda (61) oye waba ngutitshala kwiminyaka eyi-38 edluleyo, ngokudlula kweminyaka aye anyuke kwinqanaba, iNtloko yeSebe, iNqununu kwaye okwangoku ungumcebisi wezeMfundo kwiSebe lezeMfundo, utshatile noThomas Mabunda onguJaji osehlala phantsi. Kutshanje ucele isitatimenti senkxaso kwaye angathanda ukuqonda ukuba zikhethani ukhetho lwakhe xa efuna ukugqiba umhlalaphantsi kaJuni 2018.
Iinyaniso njengoko kuboniswe kwingxelo yakhe yenzuzo
Resignation Benefit
R 6 828 552.00
Lumpsum (Gratuity Payable)
R 1 813 306.00
Monthly Pension payable
R40 914.00 (Before Tax)
Current monthly Salary R625 099.00 Per year
R52091 per month (Before Tax)
Isibonelelo sokungatsalela irhafu phambi kuka1998.
Okokuqala, ekubeni uRose waqala ukusebenza kuRhulumente ngaphambi ko1998, inxalenye yesibonelelo seRhafu samahala, kufuneka sibale inani lemali (kuye-R6 828 552 × 20 emva kwe-1998 ÷ 38 iminyaka yenkonzo = R3 593 974.74). Ngako ke, inzuzo engenanto yeRhafu (R 6 828 552 – R 3 593 974.74) = R3 234 577.26.
Ukhetho 1 (Thatha umhlalaphantsi neGEPF)
Oku kuthetha ukuba uRose ukhetha ukuhlala neGEPF emva kokuthatha umhlalaphantsi.
* Njengenzuzo yesitatimente sakhe, uya kufumana Isibonelelo sokubakho: R 1 813 306.00 kwi-akhawunti yakhe yasebhanki (Oku kuya kuba yi-Untaxed ngenxa yokubasezantsi kwerhafu yakhe engenayo irhafu).
* Uya kufumana imali engenayo yenyanga engama-R40 914.00 ade afe. * Uya kufumana kwakhona intlawulo yeentsuku zekhefu (kwi-lumpsum).
* Urhulumente uya kuqhubeka nokunika inkxaso ngoncedo lwakhe lwezonyango ngokungathi wayesasebenzayo.
* Ukuba kufuneka adlule uThomas uya kufumana isiqingatha semali engenayo yenyanga nenyanga i-R40 914.00 ÷ 2 = R20 457.00 ngenyanga ngaphambi kwerhafu. Ukuba kufuneka adlule ngaphantsi kweminyaka emi-5 yomhlalaphantsi, abaxhamli bakhe baya kufumana inani elingu-R 1 963 872.00 ngokuxhomekeke ekugqibeleni kwakhe, linciphisa ngokuthe ngcembe njengoko iminyaka ihamba phambili: Umzekelo uya kufuneka ukuba udlule ngaphaya komnyaka omnye emva kokuthatha umhlalaphantsi abaxhamli bayo baya kufumana iR 1 963 872.00 (i.e R 40 914.00 × 12 × 4)
Ukhetho 2 (Ukushiya i-GEPF kunye nokudluliselwa kwingxowa-mali evunyelweyo.
Olu khetho luthetha ukuba uRose uyohlukana kunye ne-GEPF kwaye uthatha inzuzo yakhe yokusuka emsebenzini kwaye uyidlulisela kwingxowa evunyiweyo.
* Inzuzo epheleleyo yokuxhoma iR 6 828 552.00 iya kukhutshwa yiGEPF kwaye idluliselwe kwisiqingatha seRhafu yomhlalaphantsi egunyazisiweyo. i.e Preservation Pension.
* Kwelo xesha umgaqo we-1/3 kunye no-2/3 kufuneka usetyenziswe njengoko uthatha umhlalaphantsi kwingxowa-mali yomhlalaphantsi.
* Imali angayithatha njengemali ifike kwi-1/3 = = R2 276 184.00 (okt R 6 828 552.00 ÷ 3), uRose uya kufumana le mali. Inkokhelo yerhafu njengoko iphantsi kwe-1998. Inzuzo engenako yentlawulo ehlawulwa ngaphambi kwe-1998 eyabalwa ngaphezulu).
* Imali yesibini / yesithathu eseleyo yinto enyanzelekile ukuba atyale ukuze afumane imali engenayo rhoqo. iR4 552 368.00 (i-R 6 828 552.00 × 2 ÷ 3) iya kuhlawulwa kwinyanga ephilayo apho ingayifumana ingeniso yenyanga.
* URose ngoku uyakwenza isigqibo sokuba yingeniso engakanani afuna ukuyihlawula ngenyanga, nokuba yintoni ayikhethayo kufuneka ibe phakathi kwe-2.5% kunye ne-17.5% yesiqingatha sesi-2 / sithathu esabelwe imali ngonyaka, kubalwa ukuba ubuncinane beR 9 484.00 PM ukuya kwi-R 66 388.00 PM (phambi kwerhafu).
* Ngaba kufuneka adlule nayiphi na indawo ngexesha lokuthatha umhlalaphantsi, ixabiso elipheleleyo elikhoyo lokuphila kwakhe liza kuhlawulelwa kubaxhamli bakhe abakhethiweyo.
Akunzima ukugqiba kwinqanaba elona khetho elifanelekileyo kwiRose, kukho ezininzi izinto ezifunekayo ukukhokela isigqibo sakhe. URose kufuneka ahlale phantsi nomcebisi wezezimali oza kukhangela iimeko zakhe. Indlela yokuphila, amatyala, impilo, abaxhomekeke kuyo kunye nezicwangciso zesikhathi esizayo zokumnceda enze isigqibo esinolwazi kwaye enze isicwangciso semali esilungiselelwe ngokufanelekileyo iimfuno zakhe.
Kucacile kwakhona kwingcaciso ekwabelwana ngasentla ukuba umntu akakwazi nje ukuthabatha iingcebiso okanye ukukopisha ukhetho olwenziwa ngummelwane wabo, umhlobo okanye umlingane njengoko iimeko zakho zihlukileyo kunye noqhagamshelwano olufanelekileyo luhlala lufuneka.
Nxibelelana neqela le-Inkunzi Wealth kwi-087 160 0018, okanye usithumelele kwi-invest@iwgsa.co.za.
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