Impesheni yezisebenzi zomasipala nonogada isengozini
WUSLINDILE KHANYILE
ABAQASHI abawu-7 770 bakweleta imali yempesheni elinganiselwa kuR5.2 billion. Umbiko osanda kukhishwa wumlawuli wemboni yezimali iFinancial Sector Conduct Authority (iFSCA) uveze ukuthi le mali engakhokhiwe ezikhwameni zempesheni ithinta amalungu awu-310 000.
Kulaba baqashi kukhona nomasipala kwazise omasipala bavumelekile ukuzinqumela bona ukuthi imali yempesheni bayitshala kanjani, ayenganyelwa yiGovernment Employees Pension Fund, njengoba kwenzeka ngezinye izisebenzi zikahulumeni.
I-senior analyst for Retirement Funds Conduct Supervision eFSCA uNks uKeabetswe Tsuene uthe iningi lalaba baqashi yizinkampani ezincane, imali abayingenisayo encane nabavame ukuthembela kwizisebenzi abaziqasha ngezinkontileka okuba yisikhathi esithile.
Abaqashi ngabantu abathola izinkontileka zokuhlanza amabhilidi abezinkampani zonogada, izinkontileka zikagesi, ezokuthutha, ezokwakha, izimpahla zokugqoka nabakha ifenisha.
Imboni enesibalo sabaqashi abakweleta kakhulu ngeyonogada, lapho bewu-36.2%, kulandele eyabemboni yokucwala izinwele, nokunakelela isikhumba abawu-12.3%, kulandele abemboni yokwakha abawu-8.6%, kube abokumbiwayo abawu-7.8%, kube abezokuthutha abawu-7.7%, abakokuhlanza amabhilidi abawu-7.2%, abemboni kagesi bawu-6.8%, kuthi omasipala bawu-3.9%.
UNks uTsuene uthe ngokwezibalo ezazishicilelwe ngoFebhuwari ngonyaka odlule, imali yempesheni embonini yonogada ibiwuR12.7bn kanti ebikweletwa iwuR305 million. Izifundazwe okwande kuzona loku yiGauteng, iKwaZulu-Natali neLimpopo.
“Laba baqashi bathembele kakhulu ezinkontilekeni okuba ngezesikhathi esithile, ngakho kwesinye isikhathi basuke bengenawo umsebenzi, okusho ukuthi isuke ingekho imali okufanele bayikhokhe kodwa inkinga wukuthi bayaye bangasho ukuze kwazeke ukuthi ngeke bakhokhe.
“Umphumela waloku (ukukweleta impesheni) wukuthi kubeka engozini imihlomulo yamalungu okungaba yimpesheni noma uma eshona okungenzeka ingakhokhwa. Kuyinto eyaziwayo wukuthi abantu abaningi eNingizimu Afrika imali yempesheni yiyona kuphela imali abayongayo. Njengoba kwaziwa ukuthi wu-10% kuphela wabantu abaya empeshenini belungele loku ngokwezimali, uma bonke abaqashi bengaqinisekisa ukuthi bayayikhokha imali yempesheni lesi sibalo singanyuka, okunganciphisa umthwalo kuhulumeni kwazise nabantu sebephila isikhathi eside,” kusho uNks uTsuene.
Ucwaningo lweFNB lwaveza 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.
Kulaba bantu u-50% okongelayo ukuthatha umhlalaphansi, u-25% kubona awunasiqiniseko ngecebo labo ukuthi lanele yini, kuthi u-75% ukholwa wukuthi wenza okufanele ukuze ungahlupheki uma usuthathe umhlalaphansi. Nokho leli bhange lathi ukuzithemba kwabo bakusho ngoba bengaqondi kahle ukuthi izinto zenziwa kanjani.
Inhloko ye-Product Development e-FNB Wealth and Investment uMnu uSamukelo Zwane yathi: “Abantu abasemazingeni aphezulu abongayo babeka cishe u-12%. Omunye wabuza ukuthi yimalini imali eyanele ukubekela umhlalaphansi. Imali eyanele uma sithatha ngokuthi uzokonga iminyaka ewu-40 ngaphambi kokuya empeshenini ezobe ikhula ngokuhambisana namandla emali no-3% ngaphezulu, kufanele u-15% womholo wakho (kungakabanjwa lutho) uwubekele impesheni.
“Siye sithi kufanele ukwazi ukuhola cishe u-75% womholo wakho wokugcina uma ususempeshenini ukuze uqhubeke uphile le mpilo entofontofo futhi oyijwayele, ngakho uyabona ukuthi ngisho nabasemazingeni aphezulu, abongi ngokwanele. Uma uphuzile ukuqala ukonga, kusho ukuthi kufanele ubeke ngisho ngaphezu kwalo-15% esikhuluma ngawo.”
Uma kubhekwa omasipala, iFSCA ithe bawu-58% omasipala abakweleta imali yempesheni, okuwu-R1.4bn. Komasipala abakweletayo, abawu-69% baseFree State, njengoba kungomasipala abangu-22 abakweletayo komasipala abawu-23 abakulesi sifundazwe.
UNksz uTsuene uthe abakwazi ukulawula izikhwama zempesheni ngoba kwenziwa ngamabhodi aphethe izikhwama. Nokho uthe banethemba lokuthi bazobanamandla athe xaxa uma sekuqale ukusebenza komthetho osaphakanyisiwe i-Conduct of Financial Institution Bill.
Isiyonke imali etshalwe embonini yezimpesheni eNingizimu Afrika yizikhwama eziwu-887 iwuR3.1 trillion abaqashi abawu-155 000 kanti kunamalungu awu-9.6m. Nokho iFSCA ithe kungenzeka ukuthi abanye abantu bangamalungu ezikhwama zempesheni ezingaphezu kwesisodwa.