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2018-09-2714.159518.567316.5843

Imibuzo nezimpendulo

Member’s FAQ

1. Umuphi umehluko okhona phakathi kwezikhwama zempesheni kanye nesikhwama se-provident?

Isikhwama se-provident siyisikhwama esikhokhelwa imali. Ngaphansi kwalesi sikhwama bobabili umqashi kanye nelunga bakhokha imali engaguquki njalo ngenyanga beyikhokha eSikhwameni. Umhlomulo wokugcina otholwa yilunga noma yilowo ozohlomula kuba yisamba esisuke sikhokhwe ilunga kuphela, iphesenti ethile ekhokhwe umqashi kanye nenzalo nenzuzo efakwa kwi-akhawunti yelunga ngesikhathi sobulunga bakhe. Ngoba awukho umhlomulo wempesheni nowuthola uma sewuthathe umhlalaphansi ozokhokhelwa ilunga noma ozokhokhela izingane ezingaphansi kwesandla selunga, umhlomulo oyisamba ngaphansi kwesikhwama se-provident mkhulu kunalowo omayelana nesikhwama sempesheni. Izikhwama zomhlalaphansi, okuyizikhwama zemihlomulo zinikeza inkokhelo eqinisekisiwe yesamba semali, kanye nomhlomulo wempesheni nomhlomulo emva kokuthatha umhlalaphansi ilunga eliwuthatha kanye/noma izingane ezingaphansi kwesandla salo emalini eliyikhokha zinyanga zonke ilunga nomqashi walo eliyikhokha esikhwameni. Kafushane nje, isikhwama se-provident sikhokha imihlomulo ngendlela yesamba semali, inani laso elingeke liqondakale ngoba liqagulwa (inani) yinzuzo yesikhwama kanye nemali ekhokhiwe. Nakuba kunjalo, izikhwama zempesheni zinikeza umhlomulo oqinisekisiwe ngendlela yesamba semali, impesheni kanye nemali etholakala emva kokuthatha umhlalaphansi.

2. Obuphi ubuncane beminyaka yokujoyina izikhwama?

Iminyaka eyi-17

3. Kungabe ngiphoqiwe ukujoyina izikhwama?

Yebo. Kuwumbandela womsebenzi ukuthi isisebenzi sikhethe ukujoyina phakathi kwe-KwaZulu-Natal Joint Municipal Provident Fund, the Natal Joint Municipal Pension Fund (Superannuation), iNatal Joint Municipal Pension Fund (Retirement) noma iKZN Municipal Pension Fund. Isisebenzi singakhetha kuphela ukujoyina iKZN Municipal Pension uma isisebenzi siqashwe inkampani yendawo esebenzisana neSikhwama ngokwemigomo yemithetho yaso kanti kufanele kuqashelwe ukuthi ukushintsha ubulunga bakho esikhathini esizayo akuvumelekile kubasebenzi abangamalunga EKZN Municipal Pension Fund.

4. Obuphi ubudala bokujoyina isikhwama?

Iminyaka engama 57 ubudala. Umuntu osanda kuba neminyaka yobudala engama 58 angajoyina iSikhwama uma nje umqashi wakhe emvumela.

5. Obuphi ubudala bempesheni?

Iminyaka engama 65.

6. Ngisithola nini isitifiketi sobulunga/ubufakazi bobulunga?

Zingakapheli izinyanga ezintathu ube yilunga.

7. Yinini lapho iSikhwama sikhipha izitatimende zemihlomulo?

Izitatimende zemihlomulo zikhishwa njalo ngonyaka kuwona wonke amalunga eSikhwama kodwa amalunga angaphinde asicele isitatimende ngalowo nyaka mali.

8. Kubhalwe ini esitatimendeni somhlomulo?

Lezi zitatimende ziveza okungatholwa yilunga uma lisula emsebenzini, lithatha umhlalaphansi, ukugula noma ukushona.

9. Kuthatha isikhathi esingakanani ukukhokhwa kwesamba semali emva kokuphuma?

Ukukhokhwa kwesamba semali kwenzeka zingakapheli izinyanga ezintathu uma usukhishiwe wumqashi.

10. Ngingakwazi ukushintshela kwezinye izikhwama?

Yebo. Zimbili izindlela zokushintsha:

  1. Ukukhetha kokuqala
    Uma ilunga lijoyine iSikhwama ngaphambi kwa 1 June 1996, ilunga kuyofanele lazise i-Natal Joint Municipal Pension Fund ngaphambi komhlaka 31 December ukuze lishintshe ngo 1 July onyakeni olandelayo.
  2. Ukukhetha kwesibili
    Lawa ngamalunga ashintsha okwesibili noma ajoyine iSikhwama emva kwa 1 June 1996. Kuyofanele anike iSikhwama isaziso sezinyanga eziyishumi nambili (12).

11. Emiphi imithelela emihlomulweni yami uma ngishintsha iZikhwama?

Amalunga kufanele aqaphele ukuthi imihlomulo yawo iyongena ngaphansi kwentela uma eshintsha esuka eSikhwameni se-Superannuation eya eSikhwameni se-provident. Ngakho-ke amalunga kufanele acabangisise izinhloso nobungozi bokutshala imali eSikhwameni ngasinye ngaphambi kokwenza isinqumo esiwujuqu.

12. Ngingashintsha nini?

Ilunga kufanele liqede iminyaka emihlanu eSikhwameni ngasinye ngaphambi kokushintsha.

13. Liyini ifomu lokukhetha ozohlomula?

Yilapho ilunga kufanele lisho ukuthi ubani ezinganeni ezingaphansi kwesandla salo okufanele athole umhlomulo uma lona (ilunga) lishona.

14. Ngibaqoka kanjani abazohlomula?

Amalunga angagcwalisa ifomu yokuqoka ezobhalwa amagama aphelele alabo abazohlomula, izinombolo zikamazisi bese esho ubudlelwano phakathi kwawo kanye nalowo oqokiwe.

15. Ngiyifaka kanjani imininingwane yami emisha?

Ilunga kufanele lazise iSikhwama uma kunoshintsho kubulunga balo ngokugcwalisa ifomu yokuqoka ozohlomula noma lazise ngokubhala phansi. Kuphoqelekile ukuthi amalunga abuyekeze isimo sawo njalo bese azise iSikhwama uma kunoshintsho.

16. Ngiya nini ukuyohlolelwa ezempilo?

Zingakapheli izinyanga ezintathu ilunga liqale emsebenzini, ilunga kufanele lihlolelwe ezempilo wudokotela oqokwe wumasipala. Lokhu kuhlolwa kuyobheka ukulungela kwelunga ukusebenza kanti ne-X-RAY iyodingeka.

17. Kwenzekani uma ngingahlolelwa ezempilo?

Ukungahlolelwa ezempilo kungaholela ekuncishisweni kwemihlomulo yelunga uma lishona ingakapheli iminyaka eyishumi yokusebenza. Esimweni lapho ilunga livele linokugula, angeke linikezwe umhlomulo ophelele uma lishona ngenxa yalokho kugula. Uma ilunga lishona ngenxa yokugula okungaphathelene nalokhu, ukuncishiswa komhlomulo angeke kusebenze kanti kuyokhokhwa umhlomulo ophelele.

18. Ubani ohambisa i-Medical Certificate?

Ilunga noma udokotela angaposela iSikhwama i-medical certificate; lonke ulwazi ngamalunga lugcinwa luyimfihlo. Emva kokuthola umbiko wokuhlolwa, iSikhwama singabhalela ilunga uma kusekhona okufanele kwenziwe.

19. Ubani okhokhela ukuhlolelwa kwezempilo?

Isikhwama kanye nomqashi yibona abayobhekana nezindleko zokuhlolwa.

20. Ngingakwazi ukuboleka imali yempesheni yami?

U-SECTION 19 WE-PENSION FUND ACT- Njengosizo kumalunga, iSikhwama senza imali-mboleko yokuthenga izindlu kumalunga aso ngokuhambelana no-Section 19 kanye ne-Pensions Fund Act ukusebenzisa imali-mboleko kuphela kulokhu okulandelayo:

  • Ukwenza ngcono/ukulungisa indawo yokuhlala evele ikhona
  • Ukuthenga umhlaba
  • Ukuthenga indlu

Imali-mboleko inikezwa kwilunga ibhange elisemthethweni ngemibandela yokuthi iSikhwama sithola imali-mboleko ngokukhipha ubukhulu buka 50% bomhlomulo welunga njengesiqinisekiso.

21. Ithini inqubo yemali-mboleko?

  1. Ilunga lihlolwa yibhange isimo salo sezikweleti ukubheka ukuthi ilunga likulungele yini ukwenza isikweleti kanye nenani lemali engatholwa yilunga.
  2. Ibhange lithumela nge-email ifomu lokuqinisekisa imali-mboleko, liyithumela kumabhalane wemali-mboleko weSikhwama.
  3. Umabhalane wemali-mboleko uyobheka imininingwane yelunga, abale imali uma lisula emsebenzini, aqinisekise inani lemali-mboleko efakelwe isicelo bese egcwalisa ifomu lasebhange. Imibuzo ngemali-mbokelo iyabhalwa kumarekhodi elunga.
  4. Ibhange libe selithumela isicelo esisemthethweni lihambise namaphepha asekela isicelo, lihambise eSikhwameni.
  5. Umabhalane wemali-mboleko ubheka ukuthi inani lemali ebhalwe emaphepheni iyafana yini naleyo ebhalwe kwifomu lokuqala eliqinisekisa imali-mboleko. Imininingwane yemali-mboleko ibe seyifakwa kumarekhodi elunga. Imali-mboleko kufanele ibolekwe yilunga esikhungweni semali esiqinisekisiwe, njengamanje okuyibhange lase-FNB ne-Ithala.

22. Kwenzekani uma sengithole imali-mboleko?

Uma ilunga selithole imali-mboleko, kuyofanele lenze uhlelo nebhange uma kunezindlela zokuthi likhokhe leyo mali-mboleko Amalunga kufanele aqaphele ukuthi angeke abe nemithelela yentela uma ekhetha ukuthatha imali-mboleko esebenzisa iSikhwama njengesiqinisekiso kanti nomhlomulo wawo uyoncishiswa.

23. Kwenzekani uma ngishona noma ngisula emsebenzini ngingakaqedi ukukhokha imali-mboleko?

Uma ilunga lishona noma lisula emsebenzini ngaphambi kokuqeda ukukhokha, iSikhwama siyokhokhela ibhange imali esele ngaphambi kokukhokha umhlomulo wokushona noma ukusula emsebenzini.

24. Esiphi isilinganiso somholo wokugcina?

Umholo wokugcina welunga.

25. Siyini isikhathi sokukhokha eSikhwameni?

Isikhathi sakho sokukhokha yisikhathi okhokhe ngaso eSikhwameni, isibonelo, kusukela ngosuku owajoyina ngalo iSikhwama kuze kufike osukwini lokuyeka umsebenzi, kuhlanganisa nezinyanga ezigcwele, kodwa kukhiphela ngaphandle izingxenye zenyanga.

26. Kufanele ngisijoyine nini isikhwama?

Ubulungu bakho buyazenzakalela buqale ukusebenza uma nje uqala umsebenzi.

Pensioner’s FAQ

1. Eyiphi iminyaka yempesheni?

Iminyaka engama 65 yobudala. Amalungu angathatha umhlalaphansi singakafiki isikhathi uma eseneminyaka engama 55 yobudala futhi eseqde iminiyaka eyishumi esebenza.

2. Ngiyifaka kanjani imininingwane yami emisha uma sengihola impesheni?

Ilunga kufanele lithumele eSikhwameni isicelo esibhalwe phansi nolwazi olusha. Uma ushintsha imininingwane yasebhange, iSikhwama siyodinga isitatimende esisha sasebhange selunga sihambisane nokubhalwe phansi.

3. Sisebenzisa maphi ama-Medical aid isikhwama?

Mahlanu ama-medical aid aqinisekisiwe angasetshenziswa abasebenzi bakamasipala eKZN. Yilawa, Keyhealth, Bonitas, HOSMed, L.A. Health kanye ne-SAMWU Med. Uma abahola impesheni bekhetha ukushintsha i-medical aid, izaziso ezibhalwe phansi kufanele zithunyelwe eSikhwameni ekupheleni kukaNovember unyaka nonyaka ukuze kwenziwe ushintsho ngaphambi kuka January wonyaka olandelayo.

4. Singasiza iSikhwama ngokukhokha kwi-Medical aid uma sengihola impesheni?

Lo mhlomulo usebenza kuphela kwabahola impesheni eZikhwameni ze-Superannuation kanye nesoMhlalaphansi. ISikhwama singakhokha kwi-medical aid yelunga emalini yelunga yempesheni yanyangazonke. ISikhwama asiyibali ingxenye ezokhokhwa yisona kodwa silulekwa yi-medical aid.

5. Kuthatha isikhathi esingakakanani ukukhokhelwa isamba semali uma sengiphumile?

Inkokhelo yesamba semali ikhokhwa zingakapheli izinyanga ezintathu emva kokukhishwa umqashi.

6. Ngilithola nini ikhadi lami lempesheni noma isitifiketi sempesheni?

Ilunga lithola isitifiketi sempesheni uma seliqala ukuhola impesheni kanti amakhadi empesheni athunyelwa ngeposi zingakapheli izinyanga ezintathu kusukela ngaleso sikhathi.

7. Zihanjiswa nini izitifiketi zentela kumalunga?

Izitifiketi zentela i-IT3A ne-IRP5 zithunyelwa ngeposi njalo ngonyaka kumalunga.

8. Eyiphi inqubo yokugcwalisa amafomu awubufakazi bokuphila?

Amafomu awubufakazi bokuphila athunyelwa ngeposi kanye ngonyaka, ngenyanga yokuzalwa kwelunga. Amafomu kufanele abuyiswe ingakapheli inyanga emva kosuku lokuzalwa lwelunga. Ukuhluleka ukukwenza lokhu kungaholela ekumisweni kwempesheni. Ukugcwaliswa kwamafomu kusengenziwa emahhovisi eSikhwama uma useduzane nawo. ISikhwama siyovumela kuphela amafomu okuyiwonawona, angewona amakhophi, akangathunyelwa ngekhompyutha, akangathunyelwa nge-email noma ngefeksi.

9. Siyini isikhathi sokukhokha eSikhwameni?

Isikhathi sakho sokukhokha yisikhathi okhokhe ngaso eSikhwameni, isibonelo, kusukela ngosuku owajoyina ngalo iSikhwama kuze kufike osukwini lokuyeka umsebenzi, kuhlanganisa nezinyanga ezigcwele, kodwa kushiywa kuphela ngaphandle izingxenye zenyanga.

10. Esiphi isilinganiso somholo wokugcina?

Umholo wokugcina welunga.

Retirement Reforms FAQ

1. Luyini ushintsho kumhlalaphansi?

Izinguquko kumhlalaphansi wuhlelo lapho uhulumeni, ngenqubomgomo, efuna:

  • Ukugqugquzela abasebenzi ukuthi bonge bese bezilungiselela ngokwanele kumhlalaphansi ukuze baqinisekise ukuthi bathatha umhlalaphansi bese beba nemali engenayo ezokwazi ukubagcina impilo yabo yonke uma sebethathe umhlalaphansi.
  • Ukugqugquzela abasebenzi ukuthi bahambise kumqashi izinhlelo zokonga uma sebethathe umhlalaphansi njengengxenye yenkontileka yokuqashwa.
  • Ukuqinisekisa ukuthi abasebenzi bathola okungcono ngemali yabo ekongeleni umhlalaphansi wabo bese bephathwa kahle, nanokuthi imali yabo eyongiwe iphathwa ngobuhlakani nangokukhuthala, baphinde baziswe ngemali yabo abayongele umhlalaphansi.
  • Ukwenza ngcono izinga lokuphathwa kwesikhwama somhlalaphansi, kuhlanganisa ulwazi ngama-trustee kanye nokuziphatha kwawo kanye nokuvikelwa kwenzalo yemali yamalunga.

2. Seluhambe kangakanani uhlelo lwezinguquko kumhlalaphansi?

Izinguquko kumhlalaphansi wuhlelo oluqhubekayo kanti lusazothatha isikhathi ukuthi luphele. Inhloso yalo ukuqinisekisa ukuthi nanoma ngabe oluphi uguquko olwenzekayo aluholeli emiphumeleni ebeyingahlosiwe. Kulokhu-ke, kuphoqelekile ukuthi kufundwe kwamanye amazwe anezinkulumo mpikiswano ezifanayo ngenqubomgomo kanye noguquko olufanayo. Ezinye izingxenye ezibalulekile kwizinguquko kwenzeke ngo 2013 (isibonelo, ukwenza ngcono ukuphatha ngokusebenzisa i-Financial Services Laws General Amendment Act, No 45 ka 2013), March 2014 (ukukhuphuka kwesamba semali engakhokhelwa intela kumhlalaphansi njengoba kumenyezelwe uNgqongqoshe kwinkulumo yesabelomali) kanti ngo March 2015, ukulinganiswa kokukhokhwa kwentela emalini yezikhwama zomhlalaphansi (isibonelo, imali yempesheni eyisamba ekhokhelwa umuntu unyaka unyaka kanye nezikhwama ze-provident) ziyoqala ukusebenza.

3. Ziyobahlomulisa kanjani abasebenzi lezi zinguquko?

Kuthenjwa ukuthi abasebenzi bayogqugquzeleka ukonga (kakhulu) ngezikhwama zomhlalaphansi, bese bekwazi ukuzilungiselela umhlalaphansi wabo bese begwema ubuphofu uma sebebadala kanye nokuthembela kakhulu ezihlotsheni kanye nakuHulumeni. Amalunga ezikhwama ze-provident, ngokufana nezikhwama zamalunga empesheni kanye nemali yomhlalaphansi eyisamba ekhokhelwa umuntu unyaka unyaka, manje ayokwazi ukufaka isicelo sokuncishiselwa intela emalini ayikhokhayo ezikhwameni zawo, lokhu okungakhuphula imali yomholo amalunga aya nayo ekhaya. Umthetho ka 2013 wokuphatha uqinisekisa ukuthi ama-trustee ezikhwama zomhlalaphansi aphatha izikhwama ngokukhuthala futhi ngendlela, kanti abaqashi kuyobhekwana nabo uma behluleka ukudlulisela imali eqoqwe esikhwameni somhlalaphansi eyidlulisela esikhwameni sempesheni.

4. Yimiphi imithelela kwezomnotho ngalolu shintsho kwezomhlalaphansi?

I-National Development Plan iqhakambisa ukubaluleka kokonga kakhulu kanye nokutshala imali ukuze kukhule umnotho ezweni. Lokhu konga kungaqhamuka ngaphakathi ezweni kanye/noma ngaphandle kwezwe. Ukongela ngaphandle kwezwe kubalulekile ekutshaleni imali ngaphakathi kodwa kungokwesikhashana kanti futhi kungaba yingozi, ngaleyo ndlela kube nomthelela emandleni eRandi. Ukonga kwethu kwangaphakathi ezweni kuphansi kakhulu, ngakho-ke kudinga ukuthi kucathuliswe ukuze kuthuthukise ukukhula komnotho. Ngokomuntu ngamunye, asebethathe umhlalaphansi bayokhuphula amathuba abo okuphila kangcono uma sebethathe umhlalaphansi.

5. Ngingaluthola kuphi ulwazi ngoguquko kumhlalaphansi?

Lungatholakala ulwazi kwi-website ye-National Treasury ngokulandela lokhu: http://www.treasury.gov.za/publications/RetirementReform/

6. Ngiyokwazi ukuvumeleka ukungena esikhwameni sempesheni yami noma se-provident uma ngisula emsebenzini noma ngiphelelwa umsebenzi ngaphambi kosuku lokuhola?

Yebo. Lokhu kuyoshintsha kuphela uma ukulondoloza kuba wumthetho. Amalunga angeke aphucwe amalungelo (isibonelo, imali eyinzalo yomhlalaphansi ngaphambi kokuthi umthetho usebenze) ayovikelwa kanti ukukhipha imali kuyoncishiswa, kuvunyelwe kuphela emalini ekhokhwa okokuqala emva kokuthi lokhu kube wumthetho.

7. Eziphi izinguquko ezimayelana nezikhwama ze-provident?

Uhulumeni uhlanganisa imihlomulo yezikhwama ze-provident nezempesheni kanye nemali yomhlalaphansi eyisamba ekhokhelwa umuntu unyaka nonyaka uma esethathe umhlalaphansi. Lokhu kusho ukuthi amalunga esikhwama se-provident kuyodingeka ukuthi ashintshe cishe u-two thirds wemali ayongile yomhlalaphansi ayishintshele emalini eyisamba ekhokhelwa umuntu unyaka nonyaka uma esefika esikhathini somhlalaphansi, esikhundleni sokuthatha isamba semali enkulu ewukheshi ekhokhwa kanye. Ngaphezu kwalokho, amalunga ezikhwama ze-provident ayobanjelwa intela efanayo emalini ayikhokhayo njengoba kwenzeka emalini ekhokhwa amalunga esikhwama sempesheni, ebalungiselela ukuthi agoduke nemali engconyawna yomholo wenyanga. Amalungelo avikelwe angeke aphucwe oshintshweni lwesikhwama se-provident (Buka ngezansi).

8. Luyoqala nini ukusebenza uguquko lwesikhwama se-provident?

Izinguquko ezikhwameni ze-provident njengamanje ziwumthetho okwi-Taxation Laws Amendment Act No. 31 ka 2013 kanti uyoqala ukusebenza ngo 1 March 2015. Kwaxhunyanwa nomphakathi ngenqubomgomo kanye nomthetho, okuhlanganisa izinyunyana kanye nomqashi.

9. Iyini i-T-Day kanti kungabe isiyasebenza?

I-T-day wusuku lapho umthetho omusha wezikhwama zomhlalaphansi uzosebenza; njengamanje uqale ukusebenza ngo 1 March 2015. Kusukela ngalolu suku abakhokhi bentela abaningi bayokwazi ukubamba imali enkudlwana kwimali abayikhokhayo yomholo wabo. I-T-Day wusuku futhi lapho kuqala ukusebenza kokuhlanganiswa kwezikhwama ze-provident kanye nezmpesheni.

10. Uyongithinta kanjani umthetho omusha ezikhwameni ze-provident?

Umthelela wokuhlanganisa phakathi kwezikhwama ze-provident nezempesheni kuyothatha isikhathi eside ukuthi kube nomthelela kumalunga, kanti angeke kuthinte amalunga esikhwama se-provident asesondele ekuthatheni umhlalaphansi. Wonke amalunga esikhwama se-provident ayoqhubeka akwazi ukuthatha yonke imali yawo ayongile ebeyizobe seyinenzalo kuze kushaye u-1 March 2015 njengemali eyisamba engukheshi noma ngabe yinini uma esethatha umhlalaphansi. Ukushintshwa kwengxenye yemali yomhlalaphansi ukuthi ibe yimali engenayo ngesikhathi somhlalaphansi, iyosebenza kuphela kulabo abaqalayo ukukhokha okwenziwa yilabo abangaphansi kweminyaka engama 55 uma imithetho emisha isiqala ukusebenza. Lokhu kusho ukuthi amalunga aneminyaka engama 55 nangaphezulu ngomhlaka 1 March 2015, uma imithetho emisha isiqala ukusebenza, angeke aphazimiseke. Ayokwazi ukuthi athathe imali (aqala ukuyikhokha) ayikhokhe emva kwemithetho emisha, ayithathe njengesamba semali ewukheshi uma esethatha umhlalaphansi. Ngaphezu kwalokho, abasebenzi abangaphansi kweminyaka engama 55 ngo 1 March 2015, angeke abuzwe ukuthi ayafuna ukuthatha imali eyisamba ekhokhelwa umuntu unyaka unyaka noma athathe impesheni engxenyeni yemali aqala ukuyikhokha uma isamba saleyo mali aqala ukuyikhokha ingaphansi kwa R150 000 (“de minimis rule”) okungasekugcineni uma amalunga ethatha umhlalaphansi. Noma ngabe ilunga lidala kangakanani ngokweminyaka, noma ngabe ilunga lithole inzalo yamalini esikhwameni se-provident kuze kube u 1March 2015, liyokwazi ukuthi lithole imali eyisamba ewukheshi uma umuntu esethatha umhlalaphansi (isibonelo, ukuvikelwa kwamalungelo).

11. Kwenzekani uma ngiyilunga lesikhwama se-provident ngifuna ukukwazi ukuthola imali yami uma ngisula emsebenzini?

Sigqugquzela amalunga azo zombili izikhwama, sempesheni kanye nese-provident, ukuthi alondoloze imali yawo. Nakuba kunjalo, amalunga esikhwama se-provident ayokwazi ukuthatha imali yomhlalaphansi ayilondolozile njengesamba esiwukheshi uma esula emsebenzini (kungabi namthelela wentela), noma ayilondoloze nesikhungo semali, noma ayilondoloze nomqashi omdala noma omusha (kungabi namthelela wentela).

12. Yini ndaba uHulumeni engayifanisi imihlomulo yesikhwama se-provident naleyo etholakale ezikhwameni zempesheni nemali yomhlalaphansi eyisamba ekhokhelwa umuntu unyaka nonyaka?

Ukusiza abathathe umhlalaphansi ezikhwameni ze-provident ukubheka kangcono ubungozi obuthatha isikhathi eside, (isibonelo, ubungozi bokusheshe uqede imali yakho oyongile yomhlalaphansi uma usuwuthatha) kanye nobungozi bokutshala imali (ubungozi bokukhuphuka nokwehla kwentengo ezimakethe), kanye nokubavikela ekusebenziseni imali yabo yomhalaphansi ngokushesha, bese bethembela kakhulu kuHulumeni noma emindenini yabo ukuze ibasekele.

13. Kuyongithinta mina ukufaniswa kwezikhwama uma ngikhokhela isikhwama sempesheni?

Cha. Angeke kube noshintsho kulabo abathatha umhlalaphansi ezikhwameni zempesheni. Angeke sishintshe isimo sesikhwama sempesheni ngokwemigomo yesidingo semali yisamba ekhokhelwa umuntu unyaka nonyaka (isibonelo, ukuthola impesheni uma sewuthathe umhlalaphansi). Nanoma yinini lapho ilunga lishintsha imisebenzi ngaphambi kokuthatha umhlalaphansi, inzalo engenile ngosuku lomholo (uma umthetho omusha usuqala ukusebenza) angeke kuphazamiseke futhi kungahoxiswa ngokwemithetho esebenzayo ngaleso sikhathi.

14. Kungabe izinguquko kumhlalaphansi ziyangithinta mina uma ngiyilunga le-Government Employees Pension Fund (GEPF), noma ezinye izikhwama zikaHulumeni ezimayelana nomhlalaphansi?

I-GEPF iyisikhwama sempesheni; izinguquko ezimayelana nezikhwama ze-provident angeke zithikameze amalunga e-GEPF. Nakuba kunjalo, ngenxa yokufakwa kwentela ephezulu, amalunga e-GEPF ayokwazi manje ukukhokha imali enkulu elungiselela umhlalaphansi.

15. Kungabe uHulumeni uzongiphuca noma angeke angivumele ukuthi ngikwazi ukuthola imali yami?

Cha. Akuyona inhloso kaHulumeni ukuthi izikhwama zempesheni neze-provident zilawulwe uhulumeni kazwelonke, noma uvimbele ukuthi amalunga athole imali yawo. Esikhundleni salokho uHulumeni uhlongoza izindlela ezibalulekile zokugqugquzela abasebenzi ukuthi bonge kuze kushaye isikhathi somhlalaphansi, bese beguqula ezinye zalezi zimali kube yizimali abazozihola ngesikhathi somhlalaphansi. Abasebenzi kufanele bangatatazeli bese besula emsebenzini ngoba befuna ukuthola imali yabo abayongile yempesheni.

16. Kungabe zingithinta kanjani izinguquko mina uma ngishesha ukuthatha umhlalaphansi noma ngikhubazeka noma ngishona?

Umuntu osheshe athathe umhlalaphansi, noma akhubazeke noma ashone uyokhokhelwa umhlomulo womhlalaphansi ngokuhambisana nemithetho yesikhwama asikhokhelayo.

17. Liyini ifa futhi liyithinta kanjani imali yami yempesheni?

Ifa lisho ukuthi uHulumeni ugunyaza ukutshalwa kwemali eyongiwe yomhlalaphansi ezindaweni ezithile zokuthuthukisa. Awekho amafa embonini yomhalalaphansi abaluliwe eNingizimu Afrika. I-Regulation 28 ye-Pension Funds Act ilawula ukukhangiswa okukhulu kwezikhwama zomhlalaphansi kumafa ahlukahlukene. Uhulumeni unombono wokuthi izikhwama zomhlalaphansi zitshalelwe imali ngokwanele kwingqalasizinda ngokusebenzisa imali-mboleko kahulumeni kanye neyezinkampani ezingaphansi kwahulumeni, njengokuthi asikho isidingo sokusho ukuthi yimalini isikhwama ngasinye okufanele siyitshale kwezinye izindawo ezisiza ngentuthuko.

18. Kuyini ukulondoloza?

Ukulondoloza yilapho imali eyongelwe umhlalaphansi ngokusebenzisa izikhwama zempesheni, ze-provident kanye nezokulondoloza ihlala kulezo zikhwama kuze kube umuntu uthatha umhlalaphansi, noma idluliselwa kwesinye isikhwama esifanayo sokongela umhlalaphansi ngaphandle kokukhokha intela noma inhlawulo uma umuntu eshintsha imisebenzi.

19. Uhlongozani uHulumeni ngokulondoloza?

Uhulumeni uhlongoza ukulondoloza ingxenye kulabo abaqalayo ukungena ohlelweni lomhlalaphansi emva kokuqala ukusebenza komthetho omusha. Ukukhipha imali okuncishisiwe kuyovunyelwa kanti angeke kuphazamiseke ukonga okunenzalo ngosuku lokusebenza komthetho omusha.

20. KKungani uHulumeni egqugquzela ukulondoloza?

Abantu bajwayele ukushintsha imisebenzi izikhathi eziningi ngezikhathi zabo zokusebenza. Ngaso sonke isikhathi isisebenzi sishintsha umsebenzi, sithatha imali ewukheshi kuleyo akade siyongile yomhlalaphansi, ngaleyo ndlela sithatha umhlalaphansi nemihlomulo enganele uma sesithathe umhlalaphansi. Ukuthatha imali ewukheshi ngaphambi kokuthatha umhlalaphansi kusheshe kulimaze ukuvikeleka komuntu uma esemdala, bese kudala ububha obuqhubekayo nokuthembela kakhulu kwabanye.

21. Kungabe ukulondoloza kuyozithinta izikhwama zami zomhlalaphansi?

Yebo. Ukulondoloza kuyosebenza kuzona zonke izikhwama ze-provident kanye nezempesheni, namalungelo akhona avikeleke (isibonelo, inzalo yemali eyongiwe angeke ibekelwe imithetho yokuthi ingakhishwa kancane). Imali yomhlalaphansi eyisamba ekhokhelwa umuntu unyaka nonyaka inomtheshwana wokulondoloza wokuthi lowo owumnikazi womshwalense angeke akwazi ukukhipha kuleso sikhwama kuze kube ufika eminyakeni engama 55 ubudala.

22. Iyini P-day?

I-P-day iwusuku lokuqala ukusetshenziswa kwezihlongozo zokulondoloza. Akukakanqunywa ngalo lolu suku.

23. Asho ukuthini amalungelo okuvikela abekiwe?

Ukuvikelwa kwamalungelo abekiwe kusho ukuthi konke ukongela umhlalaphansi ezikhwameni zomhlalaphansi kuyongena ngaphansi kwemithetho ekhona kanye nokuvumeleka ukungena 100% kuleyo mali eyongiwe uma ilunga lisula emsebenzini noma lihoxa ngosuku lokuqala ukusebenza komthetho wokulondoloza. Abasebenzi kufanele bangatatazeli bese besula emsebenzini ngoba befuna ukuthola imali yabo eseyinenzalo kuze kushaye i-P-day.

24. Kuyoqala nini ukulondoloza?

Ukulondoloza kuzokwenzeka esikhathini esizayo. Usuku lokuqalisa ukusebenza kokulondoloza alukakamenyezelwa ngoba ayikabikhona inqubomgomo ngokumiswa kanye nemithetho okuyiyona yokulondoloza. Kuseyisihlongozo ukulondoloza okusavuleleke kumphakathi ukuthi uphawule bese kuba nenkulumo mpikiswano. Ngaphambi kokuthi kuqale ukusebenza lokhu kulondoloza, umthetho uyophasiswa oyokwazi ukuthi utholakale kumphakathi ukuze uphawule ngaphambi kokuba uphasiswe ube wumthetho.