Abantu kumele bangacabangeli inamhlanje kuphela uma sebeya empeshenini ngoba kulula ukuthi imali isheshe iphele. USLINDILE KHANYILE uyabika

ABANTU abaningi abasuke sebethatha umhlalaphansi eNingizimu Afrika bakhetha uhlobo lwempesheni oluthembele kakhulu ekutheni kwenzakalani ezimakethe zemali ngoba basuke becabangela imanje kunokubheka okuzobasiza ngomuso futhi kuqinisekise ukuthi banempesheni ezobanakekela impilo yabo yonke.

Usho kanje uMnu uSamukelo Zwane, inhloko yeProduct Development eFNB Wealth and Investment Management Solution. UZwane uthi umuntu othenga inhlobo yempesheni okuthiwa yi-living annuity uvumelekile ukuthi ingamholela imali ephakathi kuka-2.5% kuya ku-17.5% ngenyanga. Lena yimali esuke itshalwe ezimakethe nokukhula nokuncipha kwayo okuya ngokuthi kwenzakalani kuzona.

“Ngokomthetho kufanele ngabe uhola inzalo eqhamuka kule mali oyitshalile kodwa iqiniso wukuthi izimakethe azikhuli ngo-17.5%, nokusho ukuthi umuntu ugcina esesebenzisa yona le mali ayitshalile, kungaseyona inzalo.

“Kunengozi enkulu yokuthi umuntu imali yakhe igcine ishabalale yonke ngoba ezimakethe kwenzeke noma yini. Lolu hlobo lwempesheni ngolufanele umuntu osuke ebeke imali eyanele ukulungiselela ukuya empeshenini kodwa iqiniso wukuthi bawu-10% kuphela abantu abakulungiselelayo ukuya empeshenini kodwa wu-90% okhetha i-living annuity ngoba abantu bacabanga izidingo zamanje, bafuna okuzobajabulisa manje,” kusho yena.

Kudala eNingizimu Afrika umuntu ubekwazi ukukhetha uma esasebenza ukuthi ufisa ukuba yingxenye yesikhwama sempesheni okuthiwa yi-pension fund noma i-provident fund. Umehluko bekuwukuthi uma sekufike isikhathi sokuya empeshenini lowo obekwi-pension fund ubevumeleke ukuthi athathe isamba esingu-¹/₃ kuphela bese kuthi lena enye kudingeke athenge impesheni kanti obekwi-provident fund ubevumeleke ukuyiwundula yonke imali yakhe.

“Kusukela ngomhla ka-1 Mashi 2021 kushintshile loku ngoba wonke umuntu usekwi-pension fund ngoba kubonakele ukuthi abantu abathatha yonke imali yabo abasithengi isikhwama sempesheni bese kuthi ngokuhamba kwesikhathi babuye baphinde bazoba wumthwalo kuhulumeni,” kuchaza uZwane. 

Olunye uhlobo lwempesheni olukhona uma umuntu esethatha umhlalaphansi yilolu okuthiwa yi-guaranteed life annuity. UZwane uthi lapha kubhekwa ukuthi unemali engakanani oyongile bese inkampani othenga kuyona impesheni iyakunqumela ukuthi izokwazi ukukukhokhela malini impilo yakho yonke, nokuba yimali ebheka ukuthi amandla emali kulindeleke ukuthi akhula kangakanani ngokuqhubeka kweminyaka.

“Lena ngefanele umuntu osuke engakwazanga ukonga imali eyanele kodwa into enhle wukuthi bathi uzohola uze ushone. Kona kusuke kuzodingeka wehlise izinga lempilo yakho… mhlawumbe uma ngabe kade ubunomshwalense wezempilo obizayo kumele wehlele koshibhile, unciphise amaholidi nokuzikhipha. Noma lehla izinga le mpilo kodwa ayisoze yaphela imali, uyohola uze ufe.”

UZwane uthe i-guaranteed life annuity isheshe ikukhombise ukuthi awunayo kangakanani imali eyanele. Uthe zombili lezi zinhlobo zempesheni ziyakwazi ukuthi imali yakhona idlulele koshade nayo uma usushonile. Kodwa kwi-living annuity kuya nokuthi ngesikhathi ushona kukhona yini okusasele.