Ingaba ucinga ukuthatha umhlalaphantsi kulo nyaka?

Unyaka omtsha ukunika ithuba elihle lokuba uqwalasele imeko yakho yemali uze wenze izicwangciso zendlela oza kuyisebenzisa ngayo imali kulo nyaka.

Abantu abasele besondele kumhlalaphantsi bamelwe ukuba bathathe izigqibo eziza kubanika inkululeko xa bethatha iimali zabo zomhlalaphantsi. Ukukunceda ngalo mba, siqulunqe olu luhlu lweengcebiso ezilishumi ukunceda abantu abazokuthatha umhlalaphantsi ngo2019. Ezi zilandelayo zezinye zeengcebiso ukucwangcisela umhlalaphantsi:

1. Bhala zonke iiasethi zakho – Ngaphambi kokuba wenze izigqibo malunga nomhlalaphantsi wakho, qiniseka ukuba zeziphi ii-asethi onazo kwaye zibiza malini na. Ukongeza kwipenshoni yakho, unokufumana ezinye ii-asethi ezinjengezabelo ze-BEE ukwabelana kunye nokonga jikelele. Zonke ezifanele zijongwe njengemithombo enokufumanisa ingeniso yokufumana umhlalaphantsi.

2. Bala ukuba uza kudinga malini na kumhlalaphantsi – Cinga malunga nemali engakanani oya kuyidinga kumhlalaphantsi kubandakanywa ingeniso ebalulekileyo ekuhlangabezaneni neendleko zakho zokuphila kwimihla ngemihla (iindleko zemizi njl.), Kunye neengeniso zokufumana iholide, izinto zokuzonwabisa njl njl. Kwakhona kufuneka uqikelele ngendlela le mfuneko yengeniso ingatshintsha ngayo ixesha.

3. Cinga ngendlela yokufikelela kwingeniso yakho yomhlalaphantsi – Ukuba unempesheni, kufuneka unqumle indlela yokufikelela kwingeniso yakho. Unokukhetha phakathi kwengeniso eqinisekileyo yobomi, uthathe inxalenye yempesheni yakho njengemali yemali okanye uthenge i-annuity annuity. Akufuneki ukuba yinto enye nje yokukhetha ukuba unokukhetha ukhetho lwenketho.

4. Musa ukuhlawula irhafu engadingekiyo – Ungakulibali, ngokuqhelekileyo kuphela i-R500 000 yokufumana umhlalaphantsi wakho inzuzo yerhafu (ukubalwa kwamalungu e-GEPF kuya kwahluka); inani elisele lihlawulwa irhafu kwiipesenti zepesenti. Unokufumana ukuhlawula irhafu engaphezulu kunokuba uyifuna ukuba awuyi kucwangcisa ngokucokisekileyo. Ngokomzekelo, abanye abantu baye bathatha umhlalaphantsi wabo njengemali yemali, bengayiqaphelanga ukuba kunokubenza babe nomrhumo werhafu ophezulu!

5. Qaphela ukuba unako ukuhlawula umhlalaphantsi- Ingaba unako ukubeka ecaleni ukuze ukwazi ukuhlawula umhlalaphantsi, okanye ngaba kufuneka usebenze ixesha elide okanye mhlawumbi ixesha lesithuba esingakanani? Uphando lufumene ukuba abaninzi abantu baphila ixesha elide kunokuba balindele ukuba baya kuyenza, ngoko gcinani oku engqondweni xa wenza izibalo zakho.

6. Qinisekisa ukuba iinkcukacha zakho zokufumana umhlalaphantsi zifikelelekile- kubalulekile ukuba ugcine abaxhamli bakho ngokukhawuleza njengoko abaphathiswa baya kuhamba nantoni na erekhodiweyo, nokuba liyiminyaka elishumi ubudala. Kuluncedo ukuqonda umahluko phakathi kwabaxhomekeke kunye nabaxhamli abaqeshiweyo. Umxhamli otyunjelweyo nayiphi na inxaxheba (umntu ongokwemvelo, umphathiswa okanye umbutho wezomthetho) eneenkcukacha ezinikezela kwingxowamali yakho yomhlalaphantsi ngokubhaliweyo ukuba ubathanda ukuba bathatyathwe ngabaphathiswa ukuba bafumane isabelo sokufa. Umzekelo uya kuba ngumntu ongaxhomekeke kuye, njengomhlobo. Kubalulekile ukuba uqaphele ukuba ukutyunjwa akuqinisekisiweyo ukuba lo mntu uya kufumana konke okanye inxalenye yokufumana inzuzo yokufa.

7. Zithenge – Kufuneka uqwalasele ngononophelo okukhethwa kuko. Nangona iimeko zakho zichazela ukhetho onalo kumhlala phantsi, mhlawumbi kulungile ukuthetha ukuba ininzi yabathathe umhlalaphantsi inokwabelana ngenjongo efanayo: ukufumana ingeniso apho bayakuphila khona, kwaye kuya kubakho ubomi babo bonke ubomi babo. Kodwa ziziphi izinto ozikhethayo?

8. Cinga ukusebenzisa umcebisi wezezimali -Awuyi kudlala ngempilo yakho ngokungaboni uchwepheshe, kutheni ungezi lo nto nangekamva lakho lezezimali? Xhumana nomcebisi wezezimali ozimeleyo ukukunceda ukuba ufumane okuninzi kutyalomali lwakho kunye nokuqonda iziphumo zakho.

9. Zikhusele kwizikhwabaniso – Abaqhankqalazi bavame ukusebenzisa i-website ekhangeleleneyo kunye neencwadi zokuthengisa ukuze bakukhonze, kwaye bavame ukuvakala ngokusemthethweni xa beqhagamshelana nawe. Kulula ukubona ukuba kutheni abantu abaninzi bekhohlisiwe, kwaye akusiyo imali encinci yemali, ethathwayo.

10. Yintoni efanelekileyo kuwe? – Kulula kakhulu kunanini ngaphambili ukufikelela kwimali yakho yokugcina umhlalaphantsi. Ezi ziindaba ezilungileyo, kodwa liyikrele elinoyikisayo ngenxa yeengozi ezibandakanyekayo ekulawuleni ukugcinwa kwezinto zobomi ezifana nokugxeka, ukuhlawula irhafu engaphezulu kunokuba kuyimfuneko okanye ukuphuma kwemali ngexesha lomhlalaphantsi. Yingakho kubalulekile ukuba uthathe ixesha lakho kuphando kwaye uqonde ngokupheleleyo zonke iinketho zakho, ukuze uhlasele zonke iinjongo ukwenza izigqibo ezinolwazi ezifanelekileyo ngokukhetha indlela yokuphila kunye neemfuno zakho.

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 kunikwe ukuba 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 lifumene amaxwebhu akho (ukuba kunikwe ukuba onke amaxwebhu akho ahlelekile). Nangona kunjalo, ngexesha lokudlulisa inkqubo:

Umcebisi wezemali unokukunceda ugcwalise onke amaphepha ukuze uphephe ukulibaziseka kwiintlawulo.

Umcebisi wezemali unokunxibelelana ngqo ne-GEPF egameni lakho.

Umcebisi wezezimali unokukubonelela ngezibuyekezo eziqhelekileyo 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. I-Pension Fund yakho ye-GEPF ingadluliselwa kuphela kwisikhwama somhlala-phantsi ovunyiweyo, olawulwa ngumnikezeli weenkonzo zemali ezigunyazisiweyo ngokwemiqathango ye-Pension Funds Act. Nangona kunjalo, iNgxowa yinkampani yomthetho eyahlukileyo elawulwa yiBhodi yeTrasti, ubuncinane omnye kubo kufuneka azimele. Enye yeendima ezibalulekileyo zeBhodi kukukhusela iimfuno zamalungu onke. IBhodi inenkqubo yokulawula ngokufanelekileyo ukuzalisekisa uxanduva lwayo.

Qhagamshelana ne-Inkunzi Wealth Group kwa: 087 160 0018, okanye kwi-email invest@iwgsa.co.za.