Imibuzo ebuzwa rhoqo ngokutshintsha ingxowamali yomhlalaphantsi yeGEPF

Njengelungu leNgxowamali yoMhlalaphantsi (GEPF), unako ukukhetha ukuba udlulisele ingxowamali yakho yomhlalaphantsi kwenye ingxowa yomhlalaphantsi evunyiweyo xa usula phantsi okanye uthatha umhlalaphantsi.

Unokudluliselwa kwingxowamali yokugcina ngaphandle kokuhlawula irhafu, oko kuthetha ukuba unako ukulibaziseka umthwalo wakho werhafu kude kube ngumhlalaphantsi. I-fund yokugcinwa ikuvumela ukuba wenze isigqibo sokuba wenze ntoni ngemali yakho, kubandakanywa ukuthatha inani lemali okanye ukutshintshela kwimveliso yokutsalwa kwemali.

Ngubani ongadlulisela kwi-GEPF?

* Ushiya phantsi umsebenzi (Resignation)

Xa ushiya phantsi, unokufumana inzuzo yakho yokushiya, imali ehlawulwe kwi-akhawunti yakho yasebhankini okanye udluliselwe kwisikhwama somhlala-phantsi ovunyiweyo. Xa udlulisela inzuzo yakho kwisikolo somhlalaphantsi ovunyiweyo, awuyi kufumana isikhokelo kwinkqubo. Ukutshintshiswa okunjalo akunakudalulwa kweerhafu kwaye uza kuhlawulwa irhafu xa usuka kwi-fund evunyiweyo.

* Ukukhutshwa

Xa ilungu lisula okanye likhutshwa kwinkonzo karhulumente, ufumana inzuzo yokuyeka. I-GEPF inikezela ngeendlela ezimbini zokuhlawula isibonelelo sokusula emsebenzini: ngaba ihlawulwe kwiakhawunti yebhanki njengemali yokuhlawula imali; okanye uyithumele kwisikhwama sokugcinwa kwempesheni.

* Umhlalaphantsi

I-GEPF inikeza umhlalaphantsi oqhelekileyo, wangaphambili nangomhla wokuhlala phantsi, kunye nokuthatha umhlalaphantsi kwezonyango (izifo ezigulayo). Amalungu anemisebenzi yabo echaphazelekileyo ngokulungiswa okanye ukulungiswa kwakhona banako ukufumana izibonelelo zomhlalaphantsi. Xa uthatha umhlalaphantsi, unokhetho oluninzi. Ungahlala kwingxowamali njengomhlala phantsi, okanye ushiye phantsi ngaphambi kokuba uthathe umhlalaphantsi, uthumele imali yakho kwiGEPF, kwaye usebenzise unyaka onyanzelekile wokukunika umvuzo ngexesha lomhlalaphantsi. Yintoni okufuneka uyihambise kwi-GEPF ukuqala inkqubo yokudlulisa? Siye sabancedisa abasebenzi baseburhulumenteni ngamaphepha abo, ngoku sinakho isikhokelo kuzo zonke iincwadi ezifunekayo ukuphepha ukulibaziseka ekuhlawuleni iintlawulo zomhlalaphantsi. La maxwebhu alandelayo kufuneka afakwe kwiSebe lakho labasebenzi:

* Ifomu epheleleyo yeZ1525.

* Ikopi eqinisekisiweyo, engagqithanga kuneenyanga ezintathu, kwi-ID yomthengi okanye ipasipoti (ukuba ungowamazwe angaphandle).

* Ifomu epheleleyo yeZ864.

* Ifomu yokuQiniswa / yokuKhutshwa kweCandelo lokuCoca.

* Ifom ye-GEPF yeFayili yokuThuthwa

* Ifom yesicelo ezalisiweyo

* Ifom yeGEPF yokugqithisa

Kuthatyathwa ixesha elingakanani?

Ingathatha iiveki ezi-8 ukuya kwezi-12 ukugqiba ukudluliselwa ukusuka kwixesha le-GEPF liqinisekisa ukuba lifumene amaxwebhu akho (ukuba kunikezwe onke amaxwebhu omthengi akho ayenze). Sincoma ukuba ucebise umcebisi wezemali ubuncinane iminyaka emibini ngaphambi kokuba ufuna ukuhlala phantsi ukuze uqinisekise ukuba unemali engenayo yokwanelisa iimfuno zakho ngelixa ulindele inzuzo yakho yomhlalaphantsi.

Kwenzeka ntoni ngexesha lokudluliselwa?

1. Uzalisa ifom yesicelo esichazela umnqweno wokudlulisa

2. Uhambisa onke amaxwebhu ku-HR, owuthumela kwi-GEPF.

3. I-GEPF iqinisekisa ukufumana amaxwebhu akho ngeSMS

4. I-GEPF Iskripthi kunye neNkcazelo yeSebe

5. I-GEPF yobulungu beSebe

6. Isebe le-GEPF

7. Isebe lezomthetho le-GEPF

8. Isebe leNtlawulo ye-GEPF

Ingathabatha iiveki ezi-8 ukuya kwezi-12 ukugqiba ukudluliselwa ukusuka kwixesha le-GEPF liqinisekisa ukuba uwafumene amaxwebhu akho (ukuba kunikwe ukuba onke amaxwebhu akho ahleleke). Nangona kunjalo, ngexesha lokudlulisa inkqubo:

* Umcebisi wezezimali unokukunceda ugqibe onke amaphepha ukuze uphephe ukulibaziseka kwiintlawulo.

* Umcebisi wezemali unokunxibelelana ngqo ne-GEPF egameni lakho.

* Umcebisi wezemali unokukunika ngokuhlaziywa rhoqo kwiimeko zecala lakho.

Ingaba isikhwama sakho somhlalaphantsi usikhusele ngaphandle kwe-GEPF?

Ewe. Abacebisi ngezezimali abanakho ukufikelela kwimali yakho, ayihlawulwa kwi-akhawunti yabo yasebhanki. Bayi-intermediaries kwaye ngoko ke baqhuba inkqubo kwaye banikezela abathengi ngeenkonzo zengcebiso ngezezimali. IPension Fund yakho yeGEPF ingadluliselwa kuphela kwisikhwama somhlalaphantsi ovunyiweyo olawulwa ngumnikezeli weenkonzo zemali ezigunyazisiweyo ngokwemiqathango ye-Pension Funds Act. Nangona kunjalo, iNgxowa yinkampani yomthetho eyahlukileyo elawulwa yiBhodi yeeTrasti, ubuncinane omnye kubo kufuneka azimele. Enye yeendima ezibalulekileyo zeBhodi kukukhusela iimfuno zamalungu onke. IBhodi inenkqubo yokulawula ngokufanelekileyo ukuzalisekisa uxanduva lwayo.

Ukuba sele usithumele amaxwebhu akho kwi-HR, unokutshintsha isigqibo sakho?

Kufuneka uqinisekise ukuba uyayiqonda kwaye uqwalasele ngokuthengileyo impembelelo yesigqibo sakho ngaphambi kokuba uthumele umyalelo kwi-HR. Kunokwenzeka ukuguqula isigqibo sakho kodwa kuxhomekeke kwinqanaba lenkqubo yokudlulisa. Emva kokuba iSebe leentlawulo ze-GEPF lizifumene, izandla zethu zibophelelwe ngelanga.

Ukuba uye umhlala phantsi kwi-GEPF ngaba umcebisi unokukunceda ukuba udlulisele umvuzo wakho womhlalaphantsi?

Inombolo ye-GEPF yeNgxowamali ikhusela ilungu ekutshintshiseni inzuzo yalo emva kokuthatha umhlalaphantsi kwiGEPF. Emva kokuba uthenge i-annuity yakho ne-GEPF akudingeki wenze ezinye izigqibo malunga nomkhiqizo njengoko imiqathango yakho isetyenziselwe ubomi bakho bonke.

Kuthetha ukuthini ukuyeka phantsi kwe-GEPF?

Njengelungu le-GEPF, unakho ukhetho lokudlulisela isikhwama sakho somhlalaphantsi kwenye ingxowamali yomhlalaphantsi ovunyiweyo xa usula phantsi okanye uthatha umhlalaphantsi. Inkqubo yokudlulisela isikhwama sakho somhlalaphantsi kwenye i-fund yomhlalaphantsi evunyiweyo ithunyelwe ‘ukuyeka’ kwi-GEPF. Oku akufanele kudideke ngokuyeka emsebenzini wakho.

Qhagamshelana ne-Inkunzi Wealth Group on 087 160 0018, or email us at invest@iwgsa.co.za.