Okufanele ukuqaphele uma unyula impesheni kwi-two-pot system – abeluleki
NGENYANGA esanda kudlula kuhlangane unyaka kusukela iNingizimu Afrika yethula umthetho ogunyaza abantu ukuthi banyule ebhodweni impesheni yabo yize singakafiki isikhathi somhlalaphansi, phecelezi i-two-pot retirement system, kanti njengoba abantu beqhubeka nokukhipha imali, kunezeluleko eziqhamuka eLiberty naseStandard Bank.
Kuseyisikhathi sokubika kumqoqiwentela imininingwane ngemali yakho, okuqale ngoMashi, kanti kunike abantu ithuba lesibili lokunyula empeshenini yabo ngokuvuma komthetho i-two-pot retirement system, esinonyaka yethuliwe ezweni.
Osomnotho bathi abathengi banyula impesheni yabo ngenxa yokuthwala kanzima. Lolu hlelo i-two-pot retirement system luvumela abantu ukuthi kubenemali abayikhiphayo engxenyeni yempesheni abayongile. Ngesikhathi luqala lolu hlelo ngoSepthemba wango-2024, sasikhulu isibalo sabantu abakhipha imali yabo. Kodwa kulo nyaka, inkampani yomshwalense i-Liberty ithi sehlile kancane isibalo sabantu abanyule le mali ekuqaleni kwalo nyaka.
Yize bengebaningi kangako abantu abakhipha imali njengesikhathi kuqala, ukuphikelela kwezisebenzi ukuthatha le mali – ikakhulu uma kubhekwa imali ekhishiwe – kusatshengisa isimo esinzima abathengi ababhekene naso.
Abeluleki bemali nabo bayavuma ukuthi abathengi badonsa kanzima kulesi simo somnotho ongakhuli. Kunamasu abanawo abathi angasiza ukumelana nesimo.
Umeluleki wezimali eLiberty uMnu uKobus Kleyn uthe: “Isenkulu ingcindezi emakhaya aphakathi kwacebile nantulayo. Imiholo ayinyuki, kunezindleko ezihambisana nokucinywa kukagesi eziphazamisa isabelomali yize izinto ziphucuka kancane.
“Ngaphezu kwaloku, uphethroli nokudla kuyaqhubeka nokubayizindleko eziphezulu kanjalo nezikweletu ezingavikelwe ezibiza kakhulu. Ukusalela emuva ukukhokhela izikweletu okufanele zisheshe ziphele namakhadi asezitolo ngezinye zezinto ezithwalisa kanzima amakhasimende,” kusho yena.
U-Kleyn uthe abantu kufanele bayicabangisise indaba yokunyula impesheni yabo uma kuyiyonanto abazimisele ngokuyisebenzisa ukubhekana nesimo.
“Akuyona nje imali oyikhiphayo kuphela kodwa ulahlekelwa nayithuba lokukhulisa imali ngenzalo phezu kwenzalo, nokubanomphumela emalini ogcina uyilondolozile empeshenini yakho ngokuqhubeka kwesikhathi. Ukucaphuna empeshenini yakho akuwona umholo, ngakho kufanele ukwenze uma umpintsheke ngempela ukugwema umonakalo ezimalini zakho. Yazi ngentela ozoyikhokha futhi yibaneqhinga lokuyibuyisa,” kusho yena.
Omunye umeluleki wezimali eLiberty uMnu u-Arvind Naik uthe ukwehla kwemalimboleko kulo nyaka kuzosiza abanye abantu babenemali ethe xaxa, imali abebengenayo. Loku kufanele kubeyithuba lokuthi abantu bavuselele izinto uma bebeke banyula empeshenini yabo.
Uthe ukwehla kwemali okufanele abantu bayikhokhe kuzosiza abantu abasakhokhela imizi nezinye izikweletu.
“Ngihlale ngiwaluleka amakhasimende ami ngokuthi aqhubeke nokukhokha imali avele eyikhokha ngaphambi kokwehla kwemalimboleko. Abaxakeke ngempela nabadinga imali banganyula empeshenini yabo kodwa kuzodingeka banyuse imali abayongayo ngokuhamba kwesikhathi,” kucebisa uNaik.
Lilonke, iseluleko sakhe sithi abantu abangacaphuni empeshenini.
“Impesheni iyikusasa lakho kanti isho ukuthi izinto zizokwenzeka kanjani ngomuso. Zimisele ekongeleni loku futhi ucabangele impilo ozoyiphila ngomuso.”
Umphathi wophiko olufundisa abantu ngokuphatha imali i-head of Money Management eStandard Bank uNksz. Doret Jooste wenezelele ngokuthi kubalulekile ukuthi uqonde ukuthi ukunyula kwi-two-pot kuzobanamuphi umthelela uma sekushaya isikhathi somhlalaphansi.
“Khumbula ukuthi isizathu sokugcina lemali ukuthi ukwazi ukunethezeka uma usuthatha umhlalaphansi. Uma usebenzisa ingxenye yemali osuyongile kusho ukuthi iyancipha imali esalele ukuthi uyisebenzise ebudaleni bakho,” kucebisa yena.
Noma wubani onemibuzo noma ofisa iseluleko semali ngokunyula empeshenini noma ukuyongela angaxhumana nomeluleki wezimali eLiberty lapha link noma ashayele ku: +27 860 456 789 noma ku: +27 11 408 4871. Angathumela ne-email ku: info@liberty.co.za
Ukuzihlangula:
Lolu daba alusona iseluleko ngentela, umthetho, imali, ukucubungula amabhuku noma ngabe yisiphi iseluleko. Luhlanganiselwe ukunika abantu ulwazi kanti azikho iziphakamiso okululekwa muntu ngazo. Yize kwenziwe konke ukuqikelela ukuthi udaba luyiqiniso kodwa akekho umuntu osebenza eLiberty oyothwala icala uma kwenzeka kubakhona okungabhaliwe ngendlela noma okushodayo. Sicela uxhumane nomeluleki wakho wezimali uma udinga ukululekwa ngezimali.
I-Liberty Group iwumhlinzeki wezimali nomshwalense osemthethweni (no 2409) futhi iyingxenye yeStandard Bank Group. Kunemigomo nemibandela.