Kuntwela ezansi ngokuthuthukiswa kwengqalasizinda njengoba abezikhwama zempesheni bencoma isiphakamiso ngoRegulation 28. USLINDILE KHANYILE uyabika

ABEZIKHWAMA zempesheni nabatshalimali embonini ezimele bayakuthakasela ukuthi uhulumeni ngeke ubaphoqe ukuthi batshale imali kwingqalasizinda eyakhiwayo ezweni.  

NgoLwesihlanu umNyango wezeziMali ushicilele uhlaka lomqulu okuzosetshenzelwa phezu kwalo ukubuyekeza uRegulation 28 womthetho olawula izikhwama zempesheni, iPension Fund Act.

Lolu shintsho oluhlongozwayo luthi izikhwama zempesheni sezizovunyelwa ukutshala kwingqalasizinda kuze kufinyelele ku-45% eNingizimu Afrika kanti kwamanye amazwe e-Afrika kwengezwe loku ngo-10%. 

Okwamanje lezi zikhwama zivumeleke ukuthi zitshale kwingqalasizinda kuze kufinyelele ku-15% kuleli zwe.

Bese kunesikhathi kukhulunywa ngokubuyekezwa kwalo mthetho kodwa uvalo abatshalimali abebenalo bekungamahemuhemu athi uhulumeni uzoziphoqa izikhwama zempesheni ukuthi zitshale kwingqalasizinda ngokuyifaka ngaphansi kwempahla okuthiwa ngama-prescribed asset.

Esitatimendeni umNyango wezeziMali uthe lokhu: “Kunciphisa ingozi emalini eyongiwe ngamalungu (esikhwama) ngokuthi kulawulwe ukuthi yimali engakanani engatshalwa yizikhwama zempesheni ezintweni ezihlukene. Lolu shintsho oluphakanyisiwe kuRegulation 28 lwenziwa ngenxa yokusabela kwikhwelo lokuthi kukhuliswe ukutshalwa kwemali kwingqalasizinda njengoba umnotho utabalasa.”

Lo mnyango uthe njengamanje ingqalasizinda ayizimele yodwa uma kubhekwa izinto izikhwama zempesheni ezitshale kuzo nokwenza kungakaleki kahle ukuthi ingakanani imali eziyitshale kuyona. 

“Lolu shintsho oluhlongozwayo luzochaza kahle ukuthi yini ingqalasizinda ukuze kuzotholakala ulwazi olucacile futhi kuzokaleka kahle,” kusho umNyango wezeziMali. 

Nokho lolu hlaka olukhishwe ngoLwesihlanu lusanika izikhwama zempesheni noma abatshalimali igunya lokuthi baziklamele ukuthi bafisa ukutshala imali engakanani kwingqalasizinda, nokuyigunya abathi limqoka futhi lizokwenza ukuthi kusebenzeke.

UMnu uWayne Hiller van Rensburg, umengameli we-Institute of Retirement Funds Africa, uthi beyimboni basabhunga ngokuhlongozwayo ngaphambi kokuphendula umNyango wezeziMali kahle kodwa ngokocwaningo abake balwenza namalungu abo lilonke bayalweseka ushintsho.   

U-Van Rensburg uthi lolu shintsho lubanika igunya kodwa alubaphoqi nokusho ukuthi izikhwama zisazonquma zona ukuthi zizimisele ukutshala into engakanani. 

Wengeze ngokuthi kungasiza nokukhulisa umnotho. “Siyadinga ukuqonda ngokulindeleke sikwenze mayelana nokubika okumanje yinto okungadingeki siyenze…yiloko okuthi akusikhathaze kancane,” kusho yena.

UMnu uNdabezinhle Mkhize, i-chief investment officer ye-Eskom Pension and Provident Fund, uthi yigxathu elihle leli njengoba ethi kuzogunyaza izikhwama zempesheni ukuthi zitshale into ebonakalayo kwingqalasizinda, nathe imqoka ukuze izinto zisebenze kahle emnothweni wezwe njengoba ithinta izinto ezifana nemigwaqo, ezokuxhumana, amanzi, ugesi, amachweba, izikhumulo zezindiza nezenhlalakahle.

“Le mpahla ikwazi ukuletha inzuzo ephakathi kuka-12% no-16% ngonyaka edalwa wukungena kwemali isikhathi eside kanti futhi kuvame ukuhambisana namandla emali. Le mpahla ayilethi nje inzuzo enhle ngaphandle kwengozi enkulu kodwa ikwazi nokugqugquzela amathuba emisebenzi nendawo ehlanzekile,” kusho yena.

UMkhize uthi nokho isinqumo sokutshala kwingqalasizinda sizokwenziwa ngokubheka izidingo zesikhwama ngoba okubabusayo wukuthi abakwenzayo kumele kuhlomulise amalungu abo.

UMnu u-Owen Nkomo we-Inkunzi Wealth Group uthi: “Ngifisa ukuncoma umNyango wezeziMali ngokuthi awusiphoqanga ukuthi sitshale kwingqalasizinda ngokuthi uthi izoba yi-prescribed asset ngoba lana sikhuluma ngezinto ezifana noKusile, iMedupi, ezamandla, imigwaqo namabhuloho. Kuwumkhuleko wami ukuthi ngeke kuse ngelinye ilanga basiphoqe ngoba uma ungabheka nje indlela ukwakhiwa kwezinkundla zokudlala ibhola ngo-2010 okwaphathwa budlabha ngakhona uma kuthiwa ufake imali yabantu yempesheni lapho.”

IKusile neMedupi yiziteshi zikagesi ezakhiwa i-Eskom, okumanje azikakasebenzi ngendlela okwakulindeleke ngayo futhi azikapheli kahle kanti lesi sikweletu se-Eskom esicela kuR500 billion sidalwe kakhulu nawukubheda kohlelo ekwakhiweni kwalezi ziteshi.

UNkomo uthi ukubuyekezwa kwendlela ukusebenzisana phakathi kukahulumeni nemboni ezimele okwenziwa ngayo, amaPublic Private Partnership kuzosiza ngoba wonke umuntu ufuna izinto zihambe ngononina ezweni.

Uhulumeni ubeke ukukhuliswa kwengqalasizinda eqhulwini nokuyikona abheke ukuthi kuzosiza ukukhulisa umnotho wezwe osuntenga kakhulu kunakuqala njengoba kuhlasele neCOVID-19.

KwiSabelomali sango-2021/22 uhulumeni uthe uzimisele ukuheha abatshalimali abazofaka uR791 billion kwingqalasizinda. 

Nokho kuwumqansa ukudoba abatshalimali kuleli zwe njengoba kwiSabelomali kuvele ukuthi ngo-2019/20 kugcine kufakwe uR187 billion kwingqalasizinda esikhundleni sikaR257 billion.  

Abafisa ukuphawula ngalolu shintsho banikwe ithuba kuze kushaye uMashi 29.