Zizoziphendulela izikhwama zempesheni uma abantu bengayitholi imali – umlawuli
WUSLINDILE KHANYILE
IZIKHWAMA zempesheni ezizobe zingakulungele ukuthi amalungu azo akwazi ukukhipha ingxenye yempesheni yawo uma sekusebenza umthetho ogunyaza loku ngenyanga ezayo yizona okufanele zichaze ukuthi kudalwe yini lokhu. Kunenqwaba engakakufezi konke okudingekayo.
Isho kanje iFinancial Sector Conduct Authority (iFSCA) iphendula imibuzo yoMbele. Kusukela ngoSepthemba 1, abantu bazokwazi ukuthatha ingxenye yempesheni yabo bayisebenzisele noma ngabe yiziphi izidingo njengoba kuzokwethulwa i-two-pot retirement system.
Ngokwemithetho edingekayo ukuze kwenzeke loku, yonke into isimi ngomumo njengoba uMengameli uCyril Ramaphosa esayine umthethosivivinyo i-Pension Funds Amendment Bill, ngenyanga edlule.
Ukuze umuntu athole imali yakhe kufanele kube wukuthi isikhwama sempesheni akusona sesasifaka isicelo sokuchibiyela imithetho esilawulayo futhi sabhaliswa kwiFSCA, inhlangano elawula izinkampani ezihlinzeka ngemali.
Isikhathi sokufaka lezi zicelo siluliwe kwaze kwaba sekupheleni kukaJulayi ngoba kubonakala ukuthi izikhwama eziningi zempesheni bezingazifakile izicelo.
“Ngomhlaka-25 wangoJulayi bese sithole izicelo ezingu-696,” kusho i-FSCA. Le nhlangano ithe seloku kwathi nhlo, imi ngomumo kanti izicelo zokuchibiyela imithetho zaqala ukungena ngoMeyi kanti yonke into yayihamba kahle ngeziningi.
Nokho bekudingeka ukuthi izikhwama zempesheni zifake izicelo zokugcina, phecelezi ama-final version, osekwenzekile kanti njengoba umengameli esewusayinile nomthetho, okuningi kufanele kwenzeke kahle,” kusho iFSCA.
Ngokwe-Integrated Report yeFSCA ka-2022/23, ziwu-4 841 izikhwama zempesheni eNingizimu Afrika. Lo mlawuli uthe izikhwama zempesheni ezingeke zikwazi ukushintsha izinto ngesikhathi kuzofanele zibhalele amalungu azo ziwachazele ukuthi kungani engeke akwazi ukuthola imali yawo, okuzobe sekushayisana nomthetho.
“Izicelo ezifakwe emva kwalolu suku (umhlaka-31 wangoJulayi) ngeke ziphuthunyiswe kodwa kunaloko zizokwenziwa njengengxenye yomsebenzi ojwayelekile. Izichibiyelo azisebenzi uma zingakabhaliswa. Ngakho-ke izikhwama azikwazi ukwenza izinto ezihambisana nezichibiyelo njengokusho kwesigaba 12 (1) (b) somthetho wezimpesheni i-Pension Funds Act, No 24, owashaywa ngo-1956. Izikhwama zempesheni yizona okufanele zithwale ijoka le miphumela yokungazigcini izimfanelo ezihambisana nokushintsha komthetho,” kusho iFSCA.
I-FSCA ithe isizathu esikhulu esibikwe yilezo zikhwama ezingazifaka izicelo ngesikhathi wukuthi imihlangano yamabhodi abaqondisi okufanele kuthathwe kuyo izinqumo zokuchibiyela imithetho ibizoba ngasekupheleni kukaJulayi.
Inhloso yaloku wukuphucula isibalo sabantu abongela impesheni eNingizimu Afrika ngoba le ndlela entsha izophoqa wonke umuntu onesikhwama sempesheni ukuthi kuhlale kunemali ebekiwe yempesheni kuthi enye bakwazi ukuyikhipha ngisho singakafiki isikhathi sokuthatha umhlalaphansi uma benezidingo ezibaxinile.
Ucwaningo olusanda kwenziwa yiFNB luveze ukuthi bawu-48% abantu baseNingizimu Afrika abangenayo nhlobo imali abayongayo ukulungiselela umhlalaphansi. Kanti kubona abawu-50% abanawo iningi ngeke libenemali eyanele uma sekufike leso sikhathi.
Lolu cwaningo luveze ukuthi esinye isizathu esenza loku wukuthi abantu bayithatha yonke imali yabo yempesheni uma beshintsha imisebenzi, into esizophela njengoba kuzoqala i-two-pot retirement system.
“Uma siqhathanisa amazwe okuwukuthi abantu bakuwona bakulungiselela kangcono ukuya empeshenini, enye yezinto esizibonayo wukuthi kukhona imithetho efana nokuthi zonke izinkampani ziyaphoqwa ukuthi zithathele izisebenzi zazo impesheni, okuyinto engekho lapha eNingizimu Afrika. Nokho, sikholwa wukuthi ukuthula i-two-pot retirement system kuzokwenza umehluko omkhulu ngoba abantu sebezophoqwa ukuthi bayibekele impesheni ngisho beshintsha umsebenzi,” kusho inhloko ye-Product Development eFNB Wealth and Investment, uMnu uSamukelo Zwane.
Leli bhange lithi kufanele u-15% womholo womuntu (kungakabanjwa lutho) uwubekele impesheni ukuze ube nemali eyenele uma usuya empeshenini.