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2018-09-2714.159518.567316.5843

I-Newsletter

IPHEPHANDABA LOKWAZISA AMALUNGA
Izindaba zekota yonyaka – Mandulo 2019

 

UMYALEZO OVELA KUMPHATHI OMKHULU I-CEO

Siyanamukela ePhephandabeni lokwazisa amalunga kuleNtwasahlobo ka-2019.


Isikhwama i-KwaZulu-Natal Joint Municipal Pension/Provident Funds sikuphindile futhi lokho! Isikhwama i-NJMPF sibe ingxenye yezimboni ezihlomule kakhulu emhlabeni wonke jikelele ngokudla umhlanganiso siklonyeliswa emcimbini osezingeni lomhlaba waminyaka yonke okuyi-16th Annual International Business Awards, nophinde waziwe ngokuthi i-Stevies.


Isikhwama sishaqe imiklomelo emibili:
Isikhwama i-NJMPF siklonyeliswe ngomklomelo wegolide, iGold Stevie, siklonyeliswe ngenxa yeqhaza laso lokubamba imihlangano yama-Road Shows, saphinde saklonyeliswa umklomelo we-Bronze Stevie, siklonyeliswe ngenxa yeqhaza laso lokunikezela ngezaluleko zomhlalaphansi ezinombuzo omkhulu othi “yini ohlose ukuyenza uma usuthathe umhlalaphansi?” etholakala emakhadini okudlala (Playing Cards).


Isho lukhulu lemiklomelo yomibili esikhwameni, iyinkomba ebonisa ukuthi isikhwama sinikezela ngosizo olusezingeni eliphezulu emalungeni esikhwama. Ukuwina kulezizindawo ebesikhethelwe kuzo isikhwama zimayelana nolwazi lwezezimali isikhwama iNJMPF esizigqajayo ngakho, nokuphinda kukhombise ukuthi isikhwama senzakahle kakhulu ekufezeni iphupho laso lokufundisa amalunga esikhwama kanye nokuthuthukisa izinga lolwazi lwezezimali.


Isikhwama i-NJMPF sikuhla lwezikhwama eziqokelwe ukuba zingahlomula emklomelweni waminyaka yonke emcimbini we-World Pension Summit Innovation Awards 2019! Okuwumcimbi oklomelisa imboni ebenezethulo ezinhle enyakeni. Ukuqokwa kwaso isikhwama kube ngokokwethula impesheni yomhlalaphansi yesikhwama yangaphakathi esikhwameni i-NJMPF eyaziwa ngokuthi i- In-House Living Annuity Policy and Preservation options.

 ISITATIMENDE SOMHLOMULO (BENEFIT STATEMENT) 

Isikhwama sesizikhiphile izitatimende zemihlomulo zonyaka ka-2019. Uma ungasitholanga isitatimende sakho semihlomulo, ungathumela i-email ku-info@njmpf.co.za, usicele, sizokuthumelela. Noma uvakashele kwi-website yethu ethi; www.njmpf.co.za ungene kwi-portal yamalunga esikhwama lapho ungakwazi ukuthi ubone khona isitatimende sakho semihlomulo.

 OKWENZEKA EZIMAKETHE 

Ngokombiko wezotshalomali, unyaka ka-2018 kube unyaka obe mubi kakhulu eminyakeni eyishumi eyedlule ezimpahleni zezwe laseNingizimu Afrika – Intengo yawowonke amasheya e-JSE i-Share Index (Alsi) yayiphansi ngo-11% uma ibekwa ngokwama-Randi ngonyaka owedlule. Ingakho utshalomali lwezikhwama zempesheni luthwale kanzima ngonyaka ka-2018. Unyaka ka-2019 ube unyaka owenze kangcono kakhulu kwizimakethe imiphumela yokwenzakangcono izovezwa izinzuzo ezikutshalomali.


Kumalunga ethu ezikhwama i-Superannuation Fund kanye nesikhwama i-Retirement Fund, okwenzeka ezimakethe akunawo umthelela otheni kwimihlomulo yenu, lokho kudalwa ukuthi imihlomulo yenu ibalwa ngokusebenzisa umholo kanye neminyaka oyisebenzile njengelunga. Amalunga esikhwama i- KwaZulu-Natal Joint Municipal Provident Fund awawuzwanga kakhulu umthelela omkhulu obangwe ukuntengantenga komnotho ngenxa yokuthi isikhwama sisebenziza izindlela ezinika uzinzo noma izimakethe zidonsa kanzima.


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.

 ZIMAYELANA NANI IZIMPAHLA EZIBIZWA NGE-PRESCIBED ASSETS? 

Sezibe undabamlonyeni izimpahla ezibizwa ngama-Prescribed Assets kwabezindaba. Kanjalo futhi nesikhwama sesithole imibuzo eminingi evela kumalunga esikhwama ebuza mayelana nokuthi isikhwama i-NJMPF sithinteka kanjani kuloluhlobo lwalezizimpahla nokuthi imihlomulo yezomhlalaphansi yona ithinteka kanjani.


Lombono ohlongozwayo uchaza ukuthini?
Ama-Prescribed Assets, ngokwesikhwama iNJMPF, yilapho uhulumeni ephoqelela izimboni zezezimali nezikhwama zempesheni nezeProvident ukuthi zitshale ingxenye yomnotho wazo ezimbonini zikaHulumeni noma kuma-Bonds. Inhloso yalokhu ukwandisa umthamo wotshalomali ukuze kusimamiswe umnotho kwakhiwe namathuba emisebenzi. Izingqinamba ezibhekene namaSOE’s zenza umphakathi ube nokungabaza ukweseka utshalomali kumaSOE’s.
Izimpahla ezibizwa ngokuthi ama-Prescribed Assets akuzona izimpahla ezifikayo/eziqalayo ukuvela eNingizimu Afrika, ngokwemithombo ethembekile, loluhlobo lwezimpahla lotshalomali lwake zabakhona isikhathi cishe silingane neminyaka engu-30 ngaphambi kokuba luchithwe loluhlobo lwezimpahla zotshalomali ngonyaka ka-1989. Uma kubhekwa ukwenzakabi kwalo ngalesiyasikhathi, kwenza ukuthi abahlaziyi bezotshalomali bakungabaze ukuhlongozwa kwalomthetho.


Njengoba loluhlobo lotshalomali olungama-Prescribed Assets kuwudaba olusanda kuhlongozwa, amalunga esikhwama nabahola impesheni akufanele besheshe ekwenzeni izinqumo ezimayelana nemali abayikhokhayo yomhlalaphansi.


Asingabazi, loluhlobo lwezotshalomali lunobungozi uma luqhathaniswa notshalomali olujwayelekile nolulawulwa iBhodi lakho lamaTrustee.

HLANGANA NAMA-TRUSTEE AKHO AMASHA OWAVOTELE 

Isikhwama i-NJMPF sinentokozo yokumemezela abasanda kukhethwa abamele umqashi nama-Trustee esikhwama i-Provident Fund
Ngokwesigaba soMthethosisekelo u-Section 7 C olawula izikhwama zempesheni, inhlosongqangi yeBhodi lama-Trustee ukuqondisa, ukulawula kanye nokuqapha kuzozonke izinto ezimayelana nokusebenza kwesikhwama okumele kuhambisane nemithetho efanele elawula isikhwama. Ukuphumelelisa lenhlosonqangi yesikhwama, iBhodi lizothatha zonke izinyathelo ezifanele ukuqinisekisa ukuthi izinhloso zamalunga esikhwama zivikelekile, futhi zivikeleke ngaphansi kwemithetho elawula isikhwama nomthethosisekelo.


AMALUNGA AKHETHIWE ESIKHWAMA I-PROVIDENT FUND

 

AMA-TRUSTEES ABANGABAMELA
1. M FUNEKA (Impendle Municipality) 1. BL RADEBE (Uphongolo Municipality)
2. FF ZAMA (Ugu District Municipality) 2. NH MAKHANYA (Harry Gwala Municipality)
3. MS BUTHELEZI (Zululand Municipality) 3. PX MADWE (Ugu Municipality)
4. DA LEMMER (Uthukela-Water ) 4. T MLAMBO (Big Five Hlabisa Municipality)
5. ME NGCOBO (Ugu District Municipality) 5. EV MDLALOSE (Umvoti Municipality)
6. S MBUTHUMA (Uthukela-Water) 6. MH ZWANE (Uphongolo Municipality)



AMATRUSTEES AKHETHIWE AZOMELA UMQASHI (AMAKHANSELA)

AMA-TRUSTEES ABANGABAMELA
1. F PEER (Ethekwini Municipality) 1. MC ZUNGU (Umkhanyakude Municipality)
2. TN JOJOZI (Harry Gwala Municipality) 2. E XABA (Umgungundlovu Municipality)
3. Y NAIR (Ugu Municipality)  
4. MV NYATHI (Umuziwabantu Municipality)  
5. BD MADONSELA (Umvoti Municipality)  

 

  YINI OZOYENZA UMA USUTHATHE UMHLALAPHANSI?

Unamandla okukhetha noma yini umakuziwa ngakwezomhlomulo womhlaphansi wakho. Ukufundisa ngolwazi lwezezimali kubaluleke kakhulu futhi kuyingxenye yemisebenzi eyenziwa isikhwama i-NJMPF ukuqinisekisa ukuthi amalunga aphila kamnandi umaesethatha umhlalaphansi.


Nanka amasu ayisihlanu angakusiza ulungiselele umhlalaphansi;


1. Ukukwazi ukulawula ezezikweletu zakho, nezinga okulo kwezezikweletu.
2. Ukuqonda kabanzi ngesikweletu esihle nesimbi – ‘Good Debt’ and ‘Bad Debt’.
3. Ukukwazi ukusebenzisa imali esalile emva kokonga.
4. Ukuqinisekisa ukuthi uyalwenza uhlahlomali (Budget) zonke izinyanga.
5. Ukubheka utshalomali olungakhokhisintela namasu okonga.