EZEMALI: NOSBONISO MTSHALI
YIZINYANGA ezintathu kuphela ezisele ngaphambi kokuba abantu bakwazi ukukhipha ingxenye encane emalini yabo yempesheni ngaphansi kohlelo olusha olubizwa ngeTwo Pot Retirement System – okungamabhodwe amabili okubeka imali. Eqinisweni mathathu la mabhodwe, kodwa uzochazeleka kahle ngale ndaba. Njengoba lolu hlehlo lubizwa ngamabhodwe amabili omhlalaphansi, kukhona elibizwa nge-savings component nelibizwa nge-retirement component.
Ingxenye eyodwa yokuthathu emalini yakho yempesheni (1/3) izongena kwi-savings component bese kuthi esele (2/3) ingene kule ngxenye yomhlalaphansi ongeke ukwazi ukuyithola uma ungakathathi umhlalaphansi – ngaphandle-ke uma imali yakho iyisibalo esingaphansi kwesibekiwe ngokusemthethweni.
Ebhodweni lokulondoloza (savings), uzokwazi ukukhipha imali esukela ku-R2 000 iya ku-R30 000 njalo ngonyaka, kodwa khumbula ukuthi uzokhokha intela ejwayelekile kule mali. La makhomponenti ahlukana kathathu ngokokulondoloza, njengoba kukhona ebizwa ngokuthi yi-vested component, kube-khona i-savings component, bese kulandela i-retirement component – ongeke ukwazi ukuyikhipha kuze kufike isikhathi somhlalaphansi. Lokho kusho ukuthi uma sekufike isikhathi sokuthatha impesheni, kuyomele usebenzise le mali evela engxenyeni yokubili kokuthathu (2/3) ukuthenga i-retirement annuity ezokuholela nyangazonke, noma uqhubeke nempesheni kulabo abathandayo. Imali ewokukodwa kokuthathu (1/3), ingena ngaphansi kwe-vested component, bese kuthi u-10% wayo ungene kwi-savings component.
Ukwenza nje isibonelo, uma uno-R900 000 esikhwameni sakho somhlalaphansi, kusho ukuthi u-R300 000, oyingxenye yokukodwa kokuthathu, uzongena kwi-vested component. Okulandelayo lapho sekuzosuka u-10% ungene kwi-savings component, usuka kwi-vested component, okungaba wu-R30 000. Uma leyo mali seyiku-savings component, ungakwazi ukukhipha esukela ku-R2 000 kuya ku-R30 000 ngonyaka, bese kudonswa nemali yentela ejwayelekile kuyona. Ibhodwe lesithathu, i-retirement component, kungena ingxenye yokubili kokuthathu (2/3), okungaba wu-R600 000 uma senza isibonelo ngo-R900 000 engiwubalule.
Iseluleko ebengingasinika abantu, wukuthi le mali bengayithinti, ukuze ikhule futhi ibasize uma sebethatha umhlalaphansi. Uma uqala manje uyidonsa kancane kancane, kusho ukuthi kuyofika isikhathi somhlalaphansi sewunemali encane esikhwameni sakho. Kusukela mhla lulunye kuMandulo (September) walo nyaka, abantu bayobe sebekwazi ukudonsa ebhodweni lokonga.
*USiboniso Mtshali ngusoma-bhizinisi ongumeluleki wezemali osemthethweni (FSP49257), ogunyaziwe ukusiza abasezikwe-letini (NCRDC3326) nokudayi-swa nokuthengiswa kwemizi (FFC: 1197883) nokwakha izindlu (NHBRC3000286136).
Utholakala nge-Email ethi: admin@moneyrepublic.co.za.
NangeWhatsApp ku: 076 810 0953.
