Zeziphi iindlela ozikhethayo xa usuka kwiGEPF?

Unenkululeko epheleleyo yokuthatha imali kwipension yakho emva kweminyaka engamashumi amathandathu, kodwa yintoni eyona nto ingcono kuwe?

Xa uthatha umhlalaphantsi kwingxowamali yomhlalaphantsi karhulumente (GEPF), uvumelekile ukuba uthathe isahlulo sesithathu senkunzi yakho yomhlalaphantsi ngemali.

Ngenye yemali, kufuneka uthenge i-annuity. Unokuthenga unyaka phakathi korhulumente okanye ukuthenga imali evela kwabanye ababoneleli ngeenkonzo zezezimali.

I-GEPF yindlela ekhethekileyo yokuthatha umhlalaphantsi ngenxa yokuba inika uxolo olupheleleyo lwengqondo. I-annuity iqinisekisa ukuhlawula imali engenayo yonke impilo yakho, kungakhathaliseki ukuba uhlala ixesha elingakanani.

Awukwazi ukudlula nayiphi na imali eseleyo kwintsapho yakho xa usweleka. Iinzuzo zokufa zihlawulwa xa ilungu lifa ngaphambi kweminyaka emihlanu yokuthatha umhlalaphantsi.

I-GEPF ihlawula ikhefu ukuya kumlingane (okanye) okanye iinkedama (okanye) zeemfesane zamalungu abafa emva kokuthatha umhlalaphantsi.

Hlala kwiGEPF ukuba:

* Ufuna umvuzo oza kungena rhoqo.

* Xa ufuna ukukhuseleka kwemveliso yakho.

* Xa ungafuni ukuthatha izigqibo kutyalomali lwemali yakho.

* Xa ungafuni ukubeka imali yakho yomhlalaphantsi emngciphekweni.

Zeziphi ezinye iindlela ongazikhetha?

I-annuity yokuphila yenzelwe ukunikwa ngemali ngexesha lomhlalaphantsi. Unokuthenga unyaka kunye neenzuzo ezivela kwingxowamali yakho yomhlalaphantsi. Yindlela eguquguqukayo yokukhula kwipropati yakho yokuthatha umhlalaphantsi kunye nokufumana imali evela kwingxowamali yakho ngexesha lomhlalaphantsi.

Yintoni i-annuity yokuphila?

Umhlalamali ohlalayo ufanelekile kubantu abathatha umhlalaphantsi kwimalimboleko, iprovident, isavings fund okanye ipension annuity fund. Umhlalamali ohlalayo unika ulawulo olubanzi malunga nendlela ifund yakho yomhlalaphantsi ilawulwa ngayo. Isicwangciso sotyalomali ngenjongo yokukhula kwemali yakho ngeminyaka yomhlalaphantsi ngokungqamanisele kukhetho lwakho lwendlela yokutyala imali.

Ndiza kuwufumana kaninzi kangakanani umvuzo wam?

Unokukhetha inqanaba kunye nezinga lakho lokungenelwa ngumvuzo kunye nephindaphindiweyo yengeniso, kwaye bobabini bangabuyekezwa rhoqo ngonyaka ngomhla wokubakho utyalomali. Unokufumana inkokhelo yakho yenyanga yentlawulo (emva kwemali), ngekota, ngokuphindwe kabini okanye ngonyaka (kwangaphambili). Nceda uqaphele ukuba umthetho ufuna ukuba ufumane ubuncinane intlawulo enye ngonyaka. Akunakho ukutsala imali, ngaphandle kokuhlawulwa kwengxowamali rhoqo.

Ndiza kurhola kangakanani?

Umthetho wangoku uvumela ukuba ukhethe inqanaba lemali engenayo phakathi kwe-2.5% kunye ne-17.5% yexabiso lakho lepotifoliyo. Oku kunenzuzo ukuba ufuna imali engenayo ngaphezu kwexesha elifutshane okanye ukuba ufuna ukuhlawula imali engenayo. Nangona kunjalo, kubalulekile ukuba uqaphele ukuba izinga lakho lokufumana imali liphezulu kunokuba ukukhula konyaka kwiphothifoliyo yakho kuya kubanefuthe kwaye kuyonakalisa imali yakho yomhlalaphantsi, ngoko ke yingeniso yakho yengomso.

Ziziphi iingozi zokutsala imali kwi-annuity ephilayo?

Kwi-annuity ephilayo ubeka ingozi yokusebenzisa y yonke imali ngaphambi kokuba ufe. Kubalulekile ukuhlala uqeqeshwe malunga nenqanaba lemali oyihoxayo. Kufuneka uqaphele izinto ezichaphazela izinga lakho lengeniso ukuze ukwazi ukulawula oku emva kokuba uthathe umhlalaphantsi.

Kuza kwenzeka ntoni xa ndilandulela eli?

Ukufumana isibonelelo sokufa kwi-annuity ehlawulayo ihlawulwa kumxhamli wakho otyunjiweyo kwaye unokuthathwa njengemali yentlawulo, uhanjiswe kwenye i-annuity okanye udibaniso lwababini.

Ungakhetha iliving annuity xa:

* Ufuna isibonelelo sakho somhlalaphantsi sibe nako ukuqhubeka nokukhula.

* Ufuna ukugqithisa kwinqanaba le-fund yakho emva kokufa kwakho.

* Ufuna ukulawulwa okungakumbi malunga nendlela ehlahlwe ngayo imali yakho.

* Ufuna ukuguquguquka kwizinga lemali engenayo oyifumanayo.

Qhagamshelana ne-Inkunzi Wealth Group ku 087 160 0018, okanye uthumele i-email ku invest@iwgsa.co.za.