retirement fund
INOMBOLO YE-REGISTRAR OF PENSION FUNDS :12/8/6591
ISINGENISO - November 2012
Labo abaholayo kufanele ukuthi babe nabakulondolozayo belungiselela ukuguga kwabo. Kungenzeka okunye kwaloku kuwe esikhathini esizayo:
• Ungaqhubeka nokusebenzela imboni yokwakha uze uthathe umhlalaphansi,
• Ungayeka ukusebenza lomsebenzi owenzayo njengamanje,
• Ungagula, noma uvelelwe yingozi,
• Ungakhubazeka, noma ushone.
Inhloso yalelibhukwana ngukukuchazela ngamafuphi izinzuzo ezitholakala ngaphansi kwalesi sikhwama, kanye futhi nangomshuwalense wokushona, ukukhubazeka, kanye nomasingcwabisane. Lelibhukwana likutshela ngesikhwama nje, kodwa amalungelo akho agcwele ngaphanasi kwesikhwama aqukethwe emithethweni kanye nenqubo yaso ongakuthola uma ngabe ukucela. Futhi imininingwane esanda kubhalwa ngezimali zesikhwama ezitholakele, kanye nemibiko esanda kwenziwa ngokubuyekezwa kwesimo sezimali zesikhwama ingafundwa e 40 Essex Terrace, Westville, noma e 184 Jabu Ndlovu Street, Pietermaritzburg.
Uma ngabe kwenzeka kuba khona ukushayisana phakathi kwemithetho yesikhwama kanye nokuqukethwe kulelibhukwana, imithetho yesikhwama iyothathwa njengomnqamula juqu.
Sicela ukuthi ufundisise lelibhukwana ngokucophelela ukuze uqonde ukuthi ubulungu bakho esikhwameni kanye nalabo obondlayo kuniphatheleni.
UHLOBO LWESIKHWAMA
Lesi sikhwama siyisikhwama sempesheni esinezimali ezinqunyiwe ezifakwa kuso. Loku kusho ukuthi izinzuzo nezimali ezitholakala kuso ekugcineni zithathelwa ezimalini ezifakwe esikhwameni sempesheni, kanye nemali ebitholakala ngokutshalwa kwalezi zimali. Inhloso yesikhwama sempesheni ngukuthi sikuholele nyangazonge imali yempesheni uma ngabe wena usuthathe umhlalaphansi.
IZIMALI EZIFAKWA ESIKHWAMENI
Isamba senmali efakwa esikhwameni imele u 16% wmholo wakho. Umqashi wakho ubamba emholweni wakho imali oyifaka esikhwameni bese ehlanganisa nalemali imali efakwa nguye bese edlulisela yonke lemali esikhwameni. Okwalo 16%, u 10.72% uya emalini yakho yomhlalaphansi, u 3.95% usetshenziselwa ukukhokhela izinzuzo zokufa, zomngwabo kanye nokukhubazeka, kuthi-ke u 1.33% osele usetshenziselwe ukuhlangabezane nokubiza kwezindleko zesikhwama.
Ukuhlinzekela lezinzuzo zokufa, zomngcwabo kanye nokukhubazeka zincike ekubakhoneni kwemali ngakho-ke zinakho ukushintsha.
IMALI YELUNGU ESESIKHWAMENI
Imali yakho esesikhwameni ihlanganisa zonke izimali zakho ezisesikhwameni ezilondolozelelwe izinzuzo zomhlalaphansi wakho kwengezwe kuzo noma kususwe kuzo imali etholakale ngokutshalwa kwezimali zesikhwama. Inani lenzalo oyolithola liyoncika ekutheni izimali zesikhwama sempesheni ezitshaliwe bezizala kanjani. Izimali zesikhwama ezitshaliwe zitshalwa yizimenenja ezitshala izimali eziqokwe ngabasingathi besikhwama.
INTELA KAHULUMENI ETHELISWA IZIMALI EZITHOLAKELE
Yonke imali etholakala esikhwameni kungenzeka ukuthi itheliswe intela kaHulumeni bese ngenxa yaloku inciphe ngenani lentela ebanjiwe kuyo yadluliselwa kubaqoqi bentela kaHulumeni, I-South African Revenue Services (SARS)
IMALI ETHOLAKALA NGOMHLALAPHANSI
Iminyaka yobudala yokuthatha umhlalaphansi.
Iminyaka yobudala ovumeleke ukuthi uthathe umhlalaphansi ngayo yiminyaka yobudala engu 60, kodwa yize noma kunjalo ungathatha umhlalaphansi noma yinini emva kokuthi usuhlanganise iminyaka yobudala engu55. Ungasifaka isicelo sempesheni yakho ngosuku oshiya ngalo ukuqashwa, ngesiqiniseko esibhaliwe esenziwe ngumqashi wakho.
Imali yempesheni etholakala uma uthatha umhlalaphansi
Inani lemali yempesheni oyoyihola nyangazonke liyoncika empeshenini engathengwa ngemali yakho esesikhwameni.
Imali yakho yempesheni oyoyihola nyangazonke ingathengwa kunoma iyiphi inkampani yomshuwalense esemthethweni, kanti futhi impesheni yakho kufanele ukuthi ithengwe ngegama lakho.
Uma uthanda ungakhetha ukuthi uthathe njengokheshe ingxenye yemali yakho esesikhwameni. Lengxenye yemali ongayithatha njengokheshe ingeke yeqe u ¹/3 wemali yakho esesikhwameni. Uma ngabe ukhethe ukuthi uthathe njengokheshe ingxenye yemali yakho esesikhwameni, imali yakho yempesheni oyoyihola nyangazonke nayo iyoncishiswa ngokunjalo.
Uma ngabe usuthathe umhlalaphansi esikhwameni, ubulungu bakho esikhwameni buyophela.
IMALI ETHOLAKALA NGOKUSHONA
Lowo obukade umondla uyokhokhelwa imali yomshuwalense ewumholo wakho wonyaka uphindwe ka 1.25.
Isibonelo : uma umholo wakho wenyanga kungu R 2 000, imali yakho yokushona iyoba ngu R 30 000 (R 2 000 x 12 izinyanga x1.25).
Ukukhokhwa kwemali yokushona kwenzeka uma ngabe ilungu elishonile bese lifake esikhwameni imali kanye (1) ezinyangeni ezimbili (2)ngaphambi kokuthi lishone. Uma ngabe ukushona kwenzeke ezinyangeni ezintathu zokuqala zobulungu esikhwameni, imali yokushona ingeke ikhokhwe ngaphandle kuphela uma ngabe ukushona kudalwe yingozi.
Ukubuyiselwa imali ebifakwa esikhwameni
Labo okufanele ukuthi bathole imali yakho esesikhwameni uma ngabe wena ushona bayokhokhelwa yonke imali yakho esesikhwameni.
UKUQOKA ABAZOTHOLA IZIMALI ZAKHO EZISESIKHWAMENI
Kusemqoka ukuthi uqoke abazonikezwa izimali zakho ezisesikhwameni uma ngabe wena usushonile. Loku kusemqoka ngoba uma ngabe ushona abasingathi besikhwama bayozazi izifiso zakho ngezimali zakho mayelana nokuthi kufanele lezi zimali zinikezwe bani ngaleso sikhathi wena usushonile. Uma unquma noma yinini ukuthi ushintshe labo obaqokile, kufanele ubikele umphathi wesikhwama ( administrator) ngokushesha ukuze ugcwalise ifomu elisha lokuqoka okufanele ukuthi bathole izimali zakho uma wena usushonile.
UMASINGCWABISANE
Njengelungu lesikhwama elineminyaka engaphambi kuka 60, wena kanye nomndeni wakho niyoba ngaphansi kukamasingcwabisane oyokhokha imali yokungcwaba wena njengelungu kanye nomndeni wakho uma ngabe nishona. Sicela wazi ukuthi imali ekhokhelwa ukungcwaba ingane incika ekutheni ingane ibineminyaka yobudala engakanani mhla ishona.
Uma ngabe wabe ulilungu lesikhwama ngaphambi kuka 1 December 2002
Wena, oshade naye, kanye nengane eneminyaka yobudala 14-21: R 6 000
Ingane eneminyaka yobudala 0-13 : R 3 000
Ingane ezalwe isishonile : R 2 000
Uma ngabe ube lilungu lesikhwama kusukela ngomhlaka 1 December 2002
Wena noma oshade naye : R 5 000
Ingane eneminyaka yobudala 14-21 : R 4 000
Ingane eneminyaka yobudala 6-13 : R 3 000
Ingane eneminyaka yobudala 0-5 : R 2 000
• Ingane ezalwe isishonile yona ayikhokhelwa imali yokuyingcwaba kuloluhlelo lukamasingcwabisane.
QAPHELA: Ingane engashadile iyokhokhelwa imali yokuyingcwaba ize ibe neminyaka yobudala engu 21 noma iminyaka yobudala engu 25 uma ngabe isafunda (full time student). Uma ngabe ufaka isicelo semali yokungcwaba ingane esafunda kufanele ukuthi uveze incwadi engubufakazi bokuthi leyo ngane eshonile ibifunda (full time student) endaweni yokufunda eyamukelekile mhla ishona.
IMALI ETHOLAKALA NGOKUKHUBAZEKA
Imali yokukhubazeka etholakala ngaphansi komshuwalense
Uma ngabe ngenxa yobufakazi bukadokotela inkampani yomshuwalense ekhipha imali yokukhubazeka ithola ukuthi ukhubazeke ngokuphelele okuzodala ukuthi ungabe usakwazi ukwenza umsebenzi obuwenza, uyothola lezi zinzuzo emva kwezinyanga ezintathu (3) kusukela ngosuku owakhubazeka ngalo:
Ezinyangeni zokuqala ezingu 24 zokukhuabazeka, Uyoholelwa nyangazonke imali engu 57.5% womholo wakho oyi-average ezinyangeni ezingu 12 ezandulela ukukhubazeka kwakho. Isibonelo: uma ngabe umholo wakho wenyanga oyi-average ubungu R 2 000, imali oyoholelwa yona ngenyanga kuyoba nguR 1,150. (Lemali uyoyikhokhelwa izinyanga ezingu 21, eyoqala ukukhokhelwa emva kokuthi isikhathi sokulinda esiyizinyanga ezingu 3 sesidlulile) Lenzuzo ibalele nokuqhubeka ufakelwa esikhwameni.
Emva kwezinyanga ezingu 24 ukhubazekile, uma ngabe ukhubazeke okomphelo nangokuphelele, uyonikezwa imali eyisamba somholo wakho wonyaka uphindwe ka 1.25 bese ubulungu bakho besikhwama buyaphela.
Ukuholelwa imali yokukhubazeka etholakala ngaphansi komshuwalense kuthathelwa ekutheni bese kufakwe kanye esikhwameni phakathi kwezinyanga ezimbili ezandulela usuku lokukhubazeka.
Ukubuyiselwa imali esesikhwameni
Uma ngabe ukhubazeka ngaphambi kokuthi uthathe umhlalaphansi kanti futhi ungeke uholelwe imali yokukhubazeka etholakala ngaphansi komshuwalense, uyoholelwa nge-annuity ethengwe ngemali yakho esesikhwameni.
Uma ngabe ukhubazeke emva kokuhlanganisa iminyaka yobudala engu 55, kanti futhi ungeke uholelwe imali yokukhubazeka etholakala ngaphansi komshuwalense, uyokwamukela umhlaphansi wangaphambi kwesikhathi.
IMALI ETHOLAKALA UMA NGABE UPHUMA ESIKHWAMENI
Uma ngabe uyeka ukusebenzela imboni yezokwakha ngaphambi kokuthi uthathe umhlalaphansi, ungacela ukuthi ubuyiselwe imali yakho yonke esesikhwameni emva kokuthi kade ungasebenzi kwenye indawo izinyanga eziyisithupha kuya phezulu. Uma ngabe udilizwa, ungacela ukuthi ubuyiselwe yonke imali yakho obungayithola uma ngabe uphuma esikhwameni mhla uyeka ukusebenza. Kufanele ukuthi umqashi wakho akubhalele incwadi yobufakazi bokuthi udiliziwe.
UKUPHATHWA KWESIKWAMA
Isikhwama sasungulwa njengesikhwama sempesheni esizophathwa ngokuthi sizimele futhi sisingathwe yibhodi lokusiphatha elinabasingathi besikhwama abangu 12. Lelibhodi linamalungu alinganayo amele abasebenzi kanye nabaqashi.
Inkampani u-Alexander Forbes Financial Services ingumeluleki wesikhwama, kanti futhi ibuye isize isikhwama ngokuthi ibe yi-Actuary yaso.
I-KwaZulu Natal Master Builders & Allied Industries Association yenza umsebenzi wonke wansukuzonke (administrator) wesikhwama.
Isikhwama siphethwe kulandelwa imithetho yaso ebhaliswe kwi-Registrar of Pension Funds.
Isimo ngokomthetho mayelana nokukhokhelwa kwamalungu izimali zawo yisikhwama sichazwe emithethweni yesikhwama. Lelibhukwana libhalelwe kuphela ukuthi linikeze amalungu aso imininingwane ngesikhwama. Uma ngabe kukhona kulo okungahambisani nemithetho yesikhwama, kuyosetshenziswa okuqukethwe yimithetho yesikhwama njengomnqamula juqu.
