Sisho ukuthini isilingo sokunyula ebhodweni lomhlalaphansi akusiyo imali yokunyulwa njalo, kuloba uBheki Mkhize
YINTATHELI YOMBELE
AKEKHO umuntu ovele avuka anyule imali ayongele umhlalaphansi ngaphandle uma ebhekene nesimo sezimali esinzima ngaleso sikhathi. Kufanele siqale ngokusho loku ngoba indaba ye-two-pot retirement system ngenye yezihloko abantu abahlulelana ngayo uma kukhulunywa ngezingxoxo ngemali kanti ukwahlulela akusifundisi okutheni.
Ucwaningo i-FNB Retirement Insights Survey lwango-2026, osekuwunyaka wesine lwenziwa, belufuna ukuqonda ukuthi abantu bayisebenzisa kanjani i-two-pot retirement system nokuthi yini ebaholela ekunyuleni imali yabo.
I-two-pot yenzelwa ukuthula abantu umthwalo. Yenza umuntu akwazi ukunyula ebhodweni ingxenye yemali ayibekele umhlalaphansi uma kunesimo esimxine ngempela, ngaphandle kokuthatha yonke imali yokugada ikusasa labo. Kusukela le ndlela yaqala ngoSepthemba wango-2024, sekugunyazwe ukunyula uR79.3 billion emxhakeni wokonga ezweni lonke.
Ucwaningo lwathola ukuthi bawu-49% abantu abangaphansi kweminyaka ewu-60 abanemali yempesheni asebeyinyulile ebhodweni, okusho abantu abacishe babewuhhafu wabantu abangaphansi kuka-60 kanti bebebeka izizathu ezijwayelekile. Into ebalulekile yizindleko zansuku zonke, kulandele ukuthenga izinto zikagesi nokukhokhela izikweletu.
Emzini lapho imali yenyanga inganele zonke izidingo, umgodla wokonga ungabonakala uwukuphela kwendlela yokuthola imali kanti uma umuntu enesimo esiphuthumayo ngempela, ukunyula kule mali kusuke kwenza umsebenzi eyadalelwa wona.
I-two-pot system ivumela abantu ukuthi baphefumule kancane ezikweletini
Nokho into ekhathazayo wukuthi abantu banyula imali ngenxa yezindleko ezihlale zikhona kunokuthi igade ingozi. Ngamanye amazwi, imali ebekelwe ukusiza umuntu uma esenkingeni isisetshenziswa njengemali yokuphila nyanga zonke.
Imali ethathwa emgodleni wempesheni ngenkathi umuntu eneminyaka ewu-35 namuhla isho ukuthi kuyodingeka ukuthi ikhokhwe ngokwamarandi angomuso ngoba leyo yimali ephuma esikhwameni sempesheni ingakabinesikhathi esanele sokukhula kahle. Ukuba ibiyekwe iminyaka ewu-30, okuyimbangela yokubekela impesheni, kusho ukuthi ibizokhula inganakiwe kanti ukulahleka kwayo kuyozwakala ngemva kweminyaka engamashumi.
FUNDA NALAPHA: https://www.umbele.co.za/2024/07/16/abantu-abawongeli-umhlalaphansi-ucwaningo/
Uhhafu wabantu okukhulunywe nabo bathe bayiqonda kahle imithetho ye-two-pot, abayikota bathi bayiqonda kancane kwathi abanye, okuwumuntu oyedwa kwabayisikhombisa, bathi abayiqondi nhlobo. Ngemva kweminyaka emibili lusebenza lolu hlelo, loko kusho lukhulu.
Uma ubheka ukuthi kungani abantu bekhipha imali kwi-two-pot, isikweletu siphuma phambili. Kubantu abahola kancane abangaphansi kweminyaka ewu-60, u-8c kulo lonke irandi lemali esesandleni ukhokhela isikweletu, usuka ku-5c kusuka ngo-2024. Ezinkulumweni zethu kugqame izikweletu nezindleko zansuku zonke ukuthi yimbangela yokungabeki imali yempesheni kahle.
Loku kwenzeka nakubantu asebethathe umhlalaphansi. Abantu bangaphezu kwekota yabantu abaneminyaka engaphezu kuka-60 abahola kancane kuya phakathi bathi bayamangala ukuthi basenezikweletu eminyakeni abakuyona. Bathi kwakungeyona inhloso yabo kanti kuqhubeka nokubanqinda. Yingakho kungamangalisi abantu abahola kancane abaningi bathi ukukhokhela isikweletu yinto emqoka yokulungiselela impesheni.
Yilesi sizathu esenza izwakale indaba yokunyula ebhodweni lempesheni ukuqeda isikweletu. Ukuqeda isikweletu esibizayo ngemali yempesheni kungakulekelela uma usuthatha umhlalaphansi, inqobo nje uma imali ebikhokha isikweletu izobuyela ekongeleni impesheni kunokuthi iphinde isebenze nyanga zonke. Yiloko okumqoka. Qeda isikweletu bese imali obuyikhokhela isikweletu iya ekukhokheleni impesheni yakho. Uma ungenzi njalo kusho uhlehlisa inkinga ngeminyaka ewu-20.
Kulula ukuthi loku kukwenze ucabange ukuthi abantu baseNingizimu Afrika abakongi ngokwanele kanti ukuthatha izinto kanjalo kuyiphutha. Lolu cwaningo lukhombisa ukuthi imali esephaketheni iya ekongeleni umhlalaphansi isinyukele ku-10c kulo lonke irandi, isuka ku-7c eminyakeni emibili edlule kanti izwele kakhulu emizini ehola kancane.
Manje, umuntu osenkingeni yezimali yini okufanele ayenze? Ngaphambi kokunyula imali kwi-two-pot. Okokuqala, kufanele ubale “imali yakusasa” ngaphambi kokuthi uyithathe njengeyanamhlanje. Buza umeluleki wakhe wezimali ukuthi iyobe inenani elingakanani uma usuthatha impesheni bese uthatha isinqumo ngenani eliphambi kwakho kunolibona ngaleso sikhathi.
Okunye wukuthi uzame zonke izindlela ezingabizi zokuthi ubenemali yanyanga zonke, njengokuthi ubenemali yokugada ingozi noma ubenohlelo lokukhokha izikweletu ngamancozu. Ukunyula ebhodweni lempesheni kufanele kubeyisisombululo sokugcina.
Uma unyula imali ebhodweni ukuze ukhokhe izikweletu, kufanele uthathe imali yaleso sikweletu osiqedile uyifake kwi-debit order ngqo ukuze ubekele umhlalaphansi wakho.
Thatha yonke imali oyinyule ebhodweni lempesheni njengesikweletu ozikweleta sona ngohlelo ongazenzela lona. Uhlelo lungakuvumela ukuthi ukhiphe imali kodwa uwena wedwa ongayibuyisela.
- UMkhize uyisikhulu esiphezulu seFNB Wealth and Investments