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2018-09-2714.159518.567316.5843

I-Net Replacement Ratio

I-NRR iyithuluzi eliwusizo elingasiza amalungu ekuhleleleni umhlalaphansi wawo

I-Net Replacement Ratio (NRR) iyinkomba yempesheni yelungu uma selithatha umhlalaphansi, ibekwe ngamaphesenti omholo welungu ngesikhathi lithatha umhlalaphansi. I-NRR iyithuluzi elingasiza amalungu ukuhlelela isikhathi somhlalaphansi.

Ubungozi obukhulu kwilungu lesikhwama sempesheni noma se-provident ukuthi ukongela kwabo umhlalaphansi kungakwazi ukubhekana nezidingo zawo (amalungu). Lokhu kungasho ukuthi ohola impesheni akanayo imali eyanele yokukhokhela izindleko zanyangazonke noma kungasho ukuthi imali ayanele ukuqhubeka aphile impilo abeyiphila emva kokuthatha umhlalaphansi.

I-NRR ingenye yamathuluzi awusizo esingawasebenzisa ukukala ukwanela kwemali eyongiwayo yomhlalaphansi ngokubheka imali yempesheni ilungu eliyoyithola ngesikhathi lithatha umhlalaphansi njengoba kubekwa ngokwamaphesenti womholo walo esikhathini sokuthatha umhlalaphansi.

Bheka nazi izizathu ezahlukene ezisetshenziselwa ukubheka inani lomhlomulo wakho wempesheni ngezansi:

  • Ukubaluleka kokuqonda uhlobo lweSikhwama otshale imali kuso:-
    • Uhlelo lomhlomulo ohlanganisa impesheni lungancika endleleni esetshenziswayo ukubala umhlomulo ngokusethsenziswa komholo wakho wokugcina noma isikhathi osewusisebenzile.
    • Uhlelo lomhlomulo okhokhwa uyisamba futhi ongenampesheni ubalwa ngokuhlanganisa yonke imali ekhokhwa yilunga kanye neyomqashi nyangazonke bese kuhlanganiswa nenzuzo yesikhwama seProvident.
  • Kuloluhlelo lokhu okulandelayo yikhona okunquma umhlomulo wakho wokugcina:-
    • Imali efakwa nyangazonke esikhwameni,
    • Inzalo yaleyomali efakwa esikhwameni, bese kuba
    • Ubude besikhathi ilunga lifaka imali. Uma siside isikhathi ilungu likhokha imali, nemali eyongiwe iba nkulu.

Iningi lamalungu angeke lithole imali yempesheni elingana nemiholo yawo noma izinga lempilo abayiphila ngaphambi kokuthatha umhlalaphansi.

 

Kubalulekile kodwa-ke ukuthi ilungu lazi ukuthi umhlomulo walo ushiyana kangakanani nomhol.

Ongoti bathi eNingizimu Afrika kunezinga eliphansi kakhulu lokonga, okusho ukuthi iningi lamalungu akongi ngokwanele noma akhokhele ngokwanele izikhwama zawo zomhlalaphansi. Kuhlangenisa nokuthi iningi lamalungu lithatha imali yawo yomhlalaphansi ewukheshe uma eshintsha umsebenzi, bese engayigcini imali akade eseyongile. Lokhu kunomthelela omkhulu kwi-NRR njengoba iminyaka eminingi yokonga ilahleka bese ivela njengelahlekile kumphumela we-NRR. Ngaphezu kwalokho, ukungagcinwa kwemihlomulo yesikhwama somhlalaphansi uma ilunga selishintsha umsebenzi, esinye sezizathu ezinkulu. ezinomthelela kwi-NRR ephansi eNingizimu Afrika.

Amalungu akawudingi u100% womholo wawo njengempesheni uma ethatha umhlalaphansi, kanti kujwayeleke ukuthi akwazi ukuthatha umhlalaphansi ozowaphatha kahle nge-NRR ka 70%. Lokhu kwenzeka ngenxa yokuthi emva kwesikhathi sokuthatha umhlalaphansi izindleko zokuphila zijwayele ukuba phansi kanti izikweleti zikhokhwa ngokugcwele/ zikhokhwa ziqedwe.   

Uma ufisa ukuthola u 75% emholweni wakho wokugcina njengempesheni noma udinga u 60% noma inhloso yakho ufisa ukuthola umholo wakho ophelele njengempesheni, i-NRR  yakho incike kakhulu empilweni ofuna ukuqhubeka uyiphile uma sewuthathe umhlalaphansi. Kuyacaca ukuthi angeke kulunge ukuthi usebenzise i-NRR efanayo kwilungu nelungu. Ngakhoke-ke i-NRR incike ezimweni zelungu kanye nendlela yokuphila elindelekile emva kokuthatha umhlalaphansi.

 

nrrgraph

 

Ababhali abehlukene bavumelana ngezinto eziningi ezisiza ukuthola i-Net Replacement Ratio esesimweni esikahle:-

  • Ukuqala ukonga kusenesikhathi,
  • Ukonga imali ekhokhwa esikhwameni eyanele,
  • Ukuqinisekisa ukuthi indawo okutshalwe kuyo imali ifanele, futhi
  • Ungathathi imali ewukheshe yomhlalaphansi wempeshi yakho uma ushintsha umsebenzi (Wugcine umhlomulo)

Lokhu kunikeza ilungu ithuba elihle lokuphila kahle futhi linakekeleke kahle esikhathni somhlalaphansi.

Wonke amalungu esikhwama kudingeka ajwayele ukuhlaziya impesheni yawo ayoyithola uma esethatha umhlalaphansi. Umcabango obakhona, ikakhulukazi kubasebenzi abasebancane ngokweminyaka, ukuthi sisekhona isikhathi usengaqala ukuzihlupha ngokongela umhlalaphansi esekhulile kodwa lokhu akusilona iqiniso.

Amalungu ayagqugquzelwa ukuthi axhumane ne-Certified Financial Planner ukuqinisekisa ukuthi athatha izinqumo ezifanele kanye nokuhlelela isikhathi somhlalaphansi.