Umhlalaphantsi kwiGEPF: Izinto omele ukuzazi

Ekugqibeleni uPatrick oneminyaka eyi60 ukulungele ukonwabela umhlalaphantsi wakhe. Waswelekelwa liqabane lakhe ekwiminyaka engamashumi amahlanu, waze wathatha isigqibo sokujongana nomsebenzi wakhe njengeNtsumpa kwiNkonzo yezesiPolisa.

Usebenze kwinkonzo yezesipolisa iminyaka engamashumi amathathu (30 years). Uhlala ePitoli kunye nabantwana bakhe abathathu nabazukulwana ababini.

“Ngumzuzu omkhulu lona kum. Oko bendijongene, ndikwaqinisekisa ukhuseleko loluntu, ngoku kunzima ukuyeka.” Unezicwangciso zokundwendwela iindawo ezahlukeneyo apha eMzantsi Afrika ehamba nosapho lwakhe. Okona kubalulekileyo kukuba nesiqinisekiso sokuba isixa semali yakhe siza kushiyekela usapho lwakhe.

Ukhetho 1: UPatrick angathatha umhlalaphantsi ne-GEPF

Uza kufumana isixamali esikhulu esiza kube kanye ekuthiwa yi-gratuity kunye ne-annuity. Eli licandelo lengxowa yomhlalaphantsi neza kuqinisekisa ukuba ufumana imali nyanga nenyanga ade alandulele eli. Le mali ke ibizwa iLife okanye iGuaranteed Annuity. Xa sele eyithathile i-annuity yakhe akadingi ukuphinda athathe ezinye izigqibo kuba yonke imigaqo ayitshintshi ubomi bakhe bonke. Le yeyona ndlela ilungileyo nelula yabantu abathatha umhlalaphantsi kuba iqinisekisa ukhuseleko lomvuzo oza kungena inyanga nenyanga.

Izinto ezintle ngesi sicwangciso:

* Uza kufumana isixa semali anganokukwazi ukuyisebenzisela ukundwendwela zonke iindawo afuna ukuzibona, aze abhatale namatyala akhe.

* Unesiqinisekiso somvuzo ade alandulele eli. Umvuzo wakhe uza konyuka nokonyuka kwamaxabiso.

* Akukho nomngcipheko wakuba ungehla umvuzo ngenxa yendlela esenza ngayo istock market.

* Uza kufumana imedical aid kunye nesibonelelo sokungcwatywa.

* Iintsuku zekhefu ebengakhange azithathe ziza kubhatalwa ngemali ezinkozo.

* Akanyanzelekanga ukuba athathe izigqibo zokutyala imali.

Izinto ezimbi ngesi sicwangciso:

* Abaxhamli bakhe abazokufumana mali xa esweleka emva kweminyaka emihlanu yengqiniseko. Khumbula ukuba xa efuna ukuqiniseka ukuba isixamali sakhe sidluliselwa kusapho lwakhe xa sele elandulele eli, angenza njalo. Nangona kunjalo, ukuba angasweleka kwiminyaka emihlanu, abaxhamli bakhe bayakufumana isixa esishiyekileyo kude kuphele iminyaka emihlanu. Kodwa ukuba akangethandi xa kuza kwenzeka ngolo hlobo, kuyanyanzeleka ukuba acinge nzulu ngokuthatha i-living annuity.

Ukhetho 2 no 3: UPatrick angatshintshela imali yakhe yomhlalaphantsi kwingxowa yokugcina imali (preservation fund)

I-GEPF ingatshintshela imali yakhe yomhlalaphantsi kunye nenzala athe wayizuza kwingxowa yokugcina imali. Isibonelelo esihle ngolukhetho kukuba ayitsalwa irhafu xa imali itshintshelwa kwingxowa yokugcina imali yomhlalaphantsi esemthethweni.

Emva koko angakwazi ke ukutsala isiqingatha semali yakhe yomhlalaphantsi. Yonke iminikelo yakhe ebeyifaka kule ngxowamali phambi kwe 1 March 1998 ithathwa njengengazutsalelwa rhafu kwaye iza kunyusa isixa sakhe semali esingazokutsalelwa irhafu. Imali yakhe yomhlalaphantsi iza kutsalelwa irhafu ngolu hlobo lulapha ezantsi.

Itafile 2: Itafile yerhafu yomhlalaphantsi (2016/2017 tax year)

Taxable income

Rate of tax

R0 – R500 000

0% of taxable income

R500 001 – R700 000

18% of taxable income above R500 000

R700 001 – R1 050 000

R36 000 + 27% of taxable income above R700 000

R1 050 001 and above

R130 500 + 36% of taxable income above R1 050 000

Ukhetho 3: UPatrick angakwazi ukusebenzisa imali eshiyekileyo kwingxowamali (emva kokuba sele etsale isiqingatha esinye) ukuthenga imveliso eza kumzisela okanye imenzele imali njenge-living annuity.

I-living annuity yimveliso yokutyala imali nebhatala umvuzo osuka kwimali yolondolozo lomhlalaphantsi ngelixa uthathe umhlalaphantsi.

Isetyenziselwa ukunika imivuzo yarhoqo kubatyali abathathe umhlalaphantsi, kusetyenziswa imali ebi londolozwa kwingxowa yomhlalaphantsi, provident fund kunye nengxowamali yomhlalaphantsi.

Ungakhetha ke ukuba ufuna ukwamkela umvuzo wakho ngenyanga, ngekota kube kabini ngonyaka okanye kanye ngonyaka. Awunasiqinisekiso sokufumana umvuzo ubomi bakho bonke.

Ingcebiso kukuba utsale isixa esilingana nomvuzo wakho. Imali eyakuthi ishiyeke kwiliving annuity xa esweleka uPatrick iyakushiyekela usapho okanye abaxhamli bakhe.

* Qhagamshelana ne-Inkunzi Wealth Group ku 087 1600 018, okanye uthumele i-email ku:invest@iwgsa.co.za