Uyityala phi imali yomhlalaphantsi xa uthathe umhlalaphantsi?

Uchithe ubomi bakho bonke usebenza nzima uqinisekisa ukuba ucwangcisa kakuhle ukuze ngenye imini uthathe umhlalaphantsi ngokukhululekilyo.

Luninzi uluhlu lwendlela ongakhetha kuzo xa uthatha umhlalaphantsi kodwa kumele ukuba ubani ajonge iimeko zakhe nezidingo zakhe ukuba afumane izisombululo.

Njengokombuzo, ndiphendula ngokolwazi lokuba yingxowa yomhlalaphantsi le hayi iprovident fund kuba imigaqo yezi ngxowa zimbini ayifani. Kunzima ukunika impendulo ecacileyo xa singekayazi ukuba ingakanani imali yakho yomhlalaphantsi nanjengoko xa uthatha umhlalaphantsi zimbini izigqibo ezibalulekileyo ekumele uzikisise ngazo ukucinga:

Uza kuthatha isixa esivunyelwayo esizinkozo na?

Loluphi uhlobo lwe-annuity olunokulungelana nawe neemfuno zakho?

Ngokutsho komthetho wengxowa yomhlalaphantsi iPension Fund Act, xa umntu efikelele kwiminyaka yakhe yokuthatha umhlalaphantsi uvumelekile ukuba angathatha ikota enye yemali yakhe ibe ziinkozo neya kuthi itsalwe imali yerhafu ngezi ndlela zilandelayo: Thatha ingqalelo ngokuphathelelene nesixa esingazokutsalwa irhafu xa uthatha umhlalaphantsi:

* Umntu ngamnye uvumeleke ukuba athathe iR500 000 kube kanye nengazukutsalelwa irhafu;

* Ukuba ubukhe wathatha imali kwimali yakho yomhlalaphantsi phambi kokuba uthathe umhlalaphantsi, lo nto iya kuchaphazela isabelo sakho seR500 000 nengatsalelwa rhafu;

* Ukuba uthatha isixamali sokudendwa, oku kuya kusichaphazela isabelo esingatsalelwa rhafu;

* Nayiphi na imali oyifaka kwingxowamali enemali ezingatsalwayo (non-deductible contributions) ingasinyusa isabelo esingatsalelwa irhafu xa sele uthatha umhlalaphantsi;

* Xa usenza utshintsho olupheleleyo ukusuka kwimali oyilondolozela umhlalaphantsi uyisa kwiannuity akukho rhafu iza kutsalwa.

Esinye isixa semali esishiyekileyo(okanye yonke imali yakho xa ungazukuthatha esi sixa sivumelekileyo esizinkozo) siza kumele ukuba sithenge imali eza kuzisa umvuzo.

Zimbini iintlobo ze-annuities:

I-annuity esisigxina

* Xa une-annuity esisigxina uza kunikezela yonke imali yakho yomhlalaphantsi kwinkampani yotyalomali nethembisa ukuba iza kukubhatala umvuzo ngenyanga noza kutsalwa irhafu kude ibe yimini yakho yokusweleka. Inkampani leyo iza kujonga izinto ezifana neminyaka yokuzalwa, ize ke ithathe isigqibo sokuba uhlawulwe malini ngenyanga ubomi bakho bonke.

* I-annuity yobomi ihlawula ubomi bonke okanye ubomi obudibeneyo(joint-life basis), kuxhomekeka ukuba ukhethe eyiphi na kwakuqala.

Into nje engentlanga kule ntlobo kukuba umvuzo wakho uyayeka ukuphuma mhla wasweleka ize inkampani leyo iyigcine imali yakho yenkunzi.

* Ukuba uyithathile iannuity sisigqibo eso esingasokuze sitshintshwe eso.

I-annuity yokuphila (Living Annuity)

ILiving annuity lisolotya elisekelwe kwiqonga lotyalomali nalapho imali yomhlalaphantsi ityalwa kwipotifoliyo zeeyunithi ezihlukeneyo kunye nemali eza kutsalelwa irhafu iza kuthathwa kwipotifoliyo.

Ngokutsho komthetho wengxowamali iPension Fund Act, izinga lomvuzo elivumelekileyo likumyinge ophakathi kwe2.5% kunye ne17.5 wemali eyinkunzi eshiyekileyo ngonyaka. Umvuzo ungabhatalwa ngonyaka, nesiqingatha sonyaka okanye ngenyaka ngokuxhomekeka kwiimfuno nezidingo zomntu ngamnye.

* Uza kuvunyelwa ukuba utshintshe izinga lemali oza kuyitsala kanye ngonyaka ngolwa suku wawuqale ngalo ukutyala imali.

* Umngcipheko oqondakalayo ngowokuba ukuba ubani ufumana umrholo mhlawumbi we15% ngonyaka ize yona inzala yotyalo lwemali ibeyi 10% ngonyaka, lo nto ke ithetha ukuba inkunzi yemali iza kucutheka. Ukucutheka kwenzala kuya kukhokelela ekubeni umvuzo unciphe wona okanye kuphele kwalo mali ityaliweyo.

* Ukuba ubani ufumana umvuzo we10% kunye imali etyaliweyo ikhula nge15%, ize inzala yotyalomali ikhule nge15% lo nto ithi utyalomali luza kukhula ngo5% ngonyaka ngaphezu kwemali yomvuzo. Mayihlale engqondweni into yokuba nomvuzo uza kukhula nawo kanjalo.

* Ingeniso efunyenweyo ingahlawulwa irhafu ngokweetafile zerhafu.

* Xa usweleka, inkunzimali esele ihlawulwa kubaxhamli abakhethiweyo:

Ezinye izinto ezibalulekileyo:

* Unabantu abaxhomekeke kuwe?

* Uxhomekeke emntwini?

* Lungakanani utshintsho oludingayo?

* Mingaphi iminyaka ocinga ukuba useza kuyiphila?

Yeyiphi ocinga ukuba ikulungele? Lo nto iya kwanzeka emva kokuba kwenziwe uhlalutyo olubanzi kwezezimali zakho. Ezi zezinye zezinto umntu ekufuneka ezicingile phambi kokuthatha isigqibo ngokulondolozela umhlala phantsi. Ingcebiso kukuba udibane nomcebisi ngokwezezimali noza kukwenzela uhlalutyo oluphangaleleyo aze akunike izisombululo eziza kungqamana nezidingo zakho.