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2018-09-2714.159518.567316.5843

I-Newsletter

IPHEPHANDABA LOKWAZISA AMALUNGA
Izindaba zekota yonyaka – Zibandlela 2019

 

UMYALEZO OVELA KUMPHATHI OMKHULU I-CEO

Siyanamukela ekukhishweni kwephephandaba lokwazisa amalunga lehlobo lonyaka ka – 2019.


“Lesi isikhathi sentokozo”. Unyaka ka-2019 kube unyaka ongelula, njengoba sisondelela ngasekuphetheni unyaka, ake sigcizelele ezimweni eziyokhumbuleka ezenzeke kulonyaka:


Sivalelise uMnu. Sam Camilleri saphinde samukela uMnu. Bongi Mkhize njengomphathi omkhulu i-CEO/Principal Officer.


Isikhwama i-NJMPF siseyiso isikhwama somhlalaphansi esiklonyeliswe kakhulu eNingizimu Afrika, njengoba isihlabane ngemiklomelo ewu-17 yangaphakathi ezweni nesezingeni lomhlaba wonke ngonyaka ka-2019. Kuze kube inamuhla isikhwama sinemiklomelo yemboni ewu-80 isiphelele. Lokhu kuhlonzwa okusezingeni eliphezulu kwesikhwama kuqinisekisa usizo oluseqophelweni eliphezulu kwezomhlalaphansi kumalunga esikhwama.


Isikhwama siphinde saba nemigomo ebuyekeziwe ezolawula isikhwama – imithetho emisha ezokwenza kube nokulingana ezikhwameni zombili zomhlalaphansi, okuyizikhwama i-Superannuation fund kanye ne-Retirement fund. Imigomo emisha yezomhlalaphansi eyaziwa nge-Default Regulations, eqale ukusebenza mhlaka – 01 Mashi 2019, yethule ithuba lokuthi amalunga ezikhwama akwazi ukukhetha kwizinhlobonhlobo ezahlukene zezimpesheni zomhlalaphansi. Lezi zinhlobonhlobo kubalwa ama-Deffered Benefits – ilunga lingawushiya umhlomulo walo esikhwameni liwuthathe uma selineminyaka efanele yokuthatha impesheni kanye ne-Preservation – Ilunga lingawushiya umhlomulo walo esikhwameni ukhule liwuthathe uma selineminyaka efanele yokuthatha impesheni yomhlaphansi esikhwameni. Njengelunga lesikhwama i-Provident Fund, usungakwazi ukuthi uthathe umhlalaphansi bese uhola impesheni yomhlalaphansi nyangazonke ngokuthi uthenge impesheni yomhlalaphansi yesikhwama i-NJMPF Living Annuity. Sicela ufunde uthole kabanzi kwi-website yethu ngezinhlobonhlobo ezahlukene ezikhona zezimpesheni ongakhetha kuzo uma usuphuma emsebenzini.


Isikhwama siqoke i-InFund Solution ukunikezela ngosizo lokwaluleka ngemihlomulo yezomhlalaphansi. Sicela uzilungiselele kahle ungabi namawala. Ezezimali zakho zihlele kahle uma usuthatha umhlalaphansi.

IMIHLOMULO YEZOTSHALOMALI (INVESTMENT RETURNS)  

Kwiphephandaba lethu elidlule lokwazisa amalunga esikhwama sibhale ngemihlomulo yezotshalomali engagculisi kunyaka ka-2018 nokuthi unyaka ka-2019 kube unyaka owenze kangcono kangakanani kwezezimakethe.


Kuyajabulisa ukumemezela ukuthi kusukela mhlaka – 01 Novemba 2019 ezokonga zotshalomali (Investment Reserve) zizonyuka zisuka ku-3% ziya ku-5% (njengoba kade zehlile zisuka ku-7% ngoJanuwari 2019) nokuthi ibhonasi yesikhashana yezotshalomali imenyezelwe kwaba u-1% (njengoba eyonyaka iwu-12%) kwinyanga ngayinye uNovemba 2019, uDesemba 2019 kanye noJanuwari 2020.


Sicela uzibhekele kwi-Investment Feedback Notice kwi-Website yethu ethi www@njmpf.co.za.


Qaphela: Kumalunga ethu esikhwama i-Superannuation Fund kanye ne-Retirement Fund, okwenzeke kwezotshalomali akubanga namthelela emihlomulweni yenu. Lokhu kungenxa yokuthi imihlomulo yenu ibalwa ngeholo lakho nangeminyaka onayo esikhwameni njengoba usebenza.

UHLELO LUKAMASINGCWABISANE I-SANLAM/NJMPF FUNERAL AID SCHEME 

Isikhwama i-NJMPF senze kwabakhona uhlelo lukamasingcwabisane emalungeni esikhwama ngonyaka ka-2013.


Njalo ngonyaka abakwa-Sanlam benza uhlelo lokubuyekezwa kwemali ekhokhwa amalunga esikhwama, kanye nemihlomulo yawo, bebheka nalokho asebekukhokhile ngaphansi kwaloluhlelo lukamasingcwabisane ukuqinisekisa ukuthi amalunga avikeleke ngokwanele uma ilunga lidlula emhlabeni.


Loluhlelo lukamasingcwabisane lubiza inani elingu – R44.00 emndenini ngamunye ngenyanga kanti futhi isikhwama sinentokozo yokumemezela ukuthi lelinani ngeke linyuke kulonyaka. Amalunga esikhwama i-NJMPF angakalujoyini loluhlelo lukamasingcwabisane kodwa afisayo ukujoyina ayaziswa ukuthi angakwazi ukujoyina kusukela ngo-Januwari kuya ku-Mashi 2020.

Utshalomali lwesikhwama i-Provident Fund lwehlukahlukene , lokhu kubala uhla lotshalomali kumasheya ase JSE, ma-Bonds, imali eyisamba u-Cash, kanye namasheya ezimakethe ezisezingeni lomhlaba. Lokhu kwahlukahlukana kotshalomali ngokwabiwa kwalo kusize ukusimamisa imiphumela/inzuzo eyenziwe isikhwama.

 UMHLANGANO WAMINYAKA YONKE I-ANNUAL INFORMATION MEETING 

Usuku okufanele uluqaphele kwi-Diary yakho:


Isikhwama sihlele ukuthi umhlangano waminyaka yonke i-AIM ube sekuqaleni kwaMashi 2020. usuku lwalomhlangano kuhlale kuwusuku oluhle, njengoba isikhwama sisuke sibonana namalunga siphinde siwalethele izindaba ezinhle zesikhwama.

Siyathemba siyokubona ngalolosuku!!

 IMITHETHO EBUYEKEZIWE ELAWULA ISIKHWAMA AMA-DEFAULT REGULATIONS 

Amalunga esikhwama ayaziswa ukuthi uma esephuma esikhwameni kufanele athole ukwalulekwa ngokwezemihlomulo. Kuyancomeka kumalunga esikhwama ukuthi axhumane nesikhwama uma ilunga licabanga ukuphuma emsebenzini wakwaMasipala, ukuze lizokwazi ukuthi lixhumane nomeluleki wezemihlomulo yezomhlalaphansi, ukuze ilunga lithole ukuchazeleka kabanzi ngezinhlobonhlobo ezikhona zezimpesheni zomhlalaphansi esikhwameni.


Uma wesula emsebenzini ngaphambi kokuba uthathe umhlalaphansi, khumbula ukuthi ungakwazi ukuthi umhlomulo wakho uwugcine esikhwameni (ukhule) uze uwukhiphe uma sekufike isikhathi sakho somhlalaphansi.

   ISIKHWAMA I-NJMPF NOKUNAKEKELWA KWEMVELO 

Iqiniso elimile nelimsulwa ukuthi sonke kudingeka ukuthi sikujwayele ukunakekela inqalasizinda yethu siphinde sizazi izinto ezilimaza izwe lethu (Planet) nezinto esiphila ngazo.


Uma silahla izinto ezingoplastiki zingahlala amashumi ngamashumi eminyaka noma amakhulu eminyaka zingabolile noma zinganyamalele. Kodwa ngokuthi siphinde futhi sizisebenzise senze ngazo ezinye izinto, lokho kungasiza ingqalasizinda kuphinde kwenze amathuba amasha kwezomnotho.


Isikhwama i-NJMPF sizodlondlobala ngonyaka ka-2020 siphinde sikulethele ezinye izindaba zakamumva kwiphephandaba lokwazisa amalunga esikhwama elilandelayo.

  IZILOKOTHO EZINHLE 

Njengoba sizwa kuheleza umoya wesikhathi sikakhisimuzi, sikholwa ukuthi ukusebenzisa imali ngokunakekela – ngaphandle kokudala izikweletu – ikhona okufanele nokungaba yimpilo kubobonke abangabathengi. Sinifisela okuhle ngesikhathi sikakhisimuzi, kodwa nikhumbule ukuzibophezela kwenu kwezezimali nasenyakeni omusha.


Amacebo okonga anobuhlakani okusebenzisa imali:


1. Uma ungazange ulwenze uhlahlomali (budget) lokuthatha uhambo ngesikhathi sikakhisimuzi, hlala ekhaya.
2. Uma ungazange uzibekele imali, musa ukuboleka imali uyibolekiswa yizindleko.
3. Kugweme ukuthenga izinto ezingenasidingo, ungathengiswa izindali ezisuke zikhona.
4. Uma ubona igama elithi INDALI (SALE), cabanga ukonga, wongele izindleko zonyaka ezikulindele enyakeni omusha.
5. Usulwenzile uhlahlomali lwezindleko zesikole zangonyaka ozayo: imali yokufunda, eye-stationery, neyomfaniswano (uniforms)?