Abasebenzi sebelinde ukuyonyula ‘ebhodweni lempesheni’

KULEZI zinsuku abantu bahamba ngolayini baqonde emabhodweni abo amabili lapho bethi bayonyula khona imali yabo yempesheni.

UMnuz Bheki Mkhize oyisazi sezezimali e-FNB, uthe uhulumeni uze nohlelo lwe-two pot system ukuqinisekisa ukuthi abantu banemali eyanele uma sebethathe umhlalaphansi.

Uthe ucwaningo abalwenzile bebuza abantu ukuthi bawulungele yini umhlalaphansi, luthole ukuthi u-50% wabo awulondolozi imali eyanele.

Kuvele ukuthi abantu uma beshintsha imisebenzi bathatha imali yabo yempesheni bayibhubhudle bese kuthi uma kufika isikhathi somhlalaphansi bangabi nemali eyanele yokuphila.

Labo bantu bagcina sebebhalisela ukuhola impesheni kahulumeni etholwa yizaguga ezingakaze zisebenze nebezingayitholi impesheni emsebenzi wazo.

Ubalule ukuthi uhlelo lwe-two pot retirement system luzoqinisekisa ukuthi kunengxenye ebekelwe umuntu ukuze aphile impilo entofontofo uma esethatha umhlalaphansi.

UMnuz Roy Evans we-Compass Consulting, eluleka abantu ngezezimali zomhlalaphansi nokulondoloza, uthe i-two pot retirement system wuhlelo oluzophoqa abantu ukuthi balondolozele umhlalaphansi.

Uthe kusukela ngoSepthemba 1, imali elondolozwa ngabantu ukuze ibasize uma sebethathe umhlalaphansi isizohlukaniswa kabili.

Enye izoya esikhwameni esibizwa nge-savings pot, bese enye ifakwe esikhwameni esibizwa nge-retirement pot.

Imali yabo esikhona njengamanje esikhwameni somhlalaphansi izohlala esikhwameni esibizwa nge-vested pot.

Kuzothi ngoSepthemba 1, kuthathwe u-R30 000 kwi-vested pot ufakwe kwi-savings pot.

“Abantu bazokwazi ukukhipha imali esukela ku-R2 000 kuya ku-R30 000 kanye ngonyaka kwi-savings pot. Lo R30 000 uzonyulwa kanye kwi-vested pot ngeke uphinde unyulwe. Uzobe usuba nenzalo, wandiswe nayimali umuntu azobe eyifaka nyangazonke,” kusho u-Evans.

Uthe noma ngabe unezigidi esikhwameni sakho sempesheni kodwa imali ozoqala ngayo kwi-savings pot wu-R30 000.

Wenze isibonelo sokuthi uma njalo ngenyanga ufaka u-R3 000 esikhwameni sakho sempesheni, kuzothi ngoSepthemba 1 leyo mali icazwe kabili. U-R700 uzongena kwi-savings pot bese u-R2 100 ungena kwi-retirement pot. Lokhu kusho ukuthi uma ungayikhiphanga imali ngoSepthemba, kuzothi uma kuqala u-Okthoba ube usuno-R30 700.

Uhlelo lwe-two pot retirement system alubathinti abantu okushaye uMashi 1, 2021 sebeneminyaka ewu-55 noma ngaphezulu kodwa-ke banelungelo lokukhetha ukungena ngaphansi kwalolu hlelo uma beluthanda. U-Evans ubaxwayise ngokuthi kufanele bacabangisise ukuthi bayathanda yini ukungena kulo ngoba uma sebengenile ngeke bakwazi ukuphuma.

U-Evans ukhumbuze abantu ukuthi u-R30 000 okhishwa kwi-savings pot uzoba nezindleko zentela nezesikhwama sempesheni.

“Kubalulekile ukuthi abantu babheke nesikhwama sabo ukuthi i-South African Revenue Service (SARS) izothatha malini nokuthi izindleko zesikhwama zizoba malini. Ngeke umuntu athole u-R30 000 unjengoba unjalo. Isikhwama sizothatha izindleko zaso bese no-SARS ethatha intela yakhe, kuzoya ngokuthi umuntu ukusiphi isigaba sentela. Omunye kungathathwa uR8 000 okusho ukuthi u-R30 000 uzofika kuye usuwu-R22 000,” kuchaza u-Evans.

Udonse ngendlebe abantu ukuthi bangayikhiphi imali yabo yempesheni ngaphandle uma bebhekene nezimo ezinzima. Ubalule ukuthi imali yempesheni izobe izala, ngakho uma ihleli kulezi zikhwama kusho ukuthi umuntu uzothatha umhlalaphansi enemali enhle kodwa uma eyikhipha ngeke abe nemali ezomjabulisa.

Uma kwenzeka umuntu exoshwa, edilizwa emsebenzi noma ephelelwa wumsebenzi ngenxa yezizathu ezithile, uzokwazi ukuthola isamba sakhe semali esikwi-vested pot.

Uzokwazi nokuthola imali ekwi-savings pot kodwa ngeke akwazi ukuthatha imali ekwi-retirement pot njengoba yona izomlinda ukuthi aze afike eminyakeni yomhlalaphansi.

Kuyothi uma esethathe umhlalaphansi ayithole kanye ngenyanga njengoba uhulumeni engafuni ukuba nabantu akade benezikhwama zempesheni kodwa abagcina sebehola impesheni yakhe.

Uma kwenzeka umuntu eshona labo abondliwa wuyena bazothola yonke imali yakhe ekuwo wonke amabhodwe, ngeke kuthiwe ubengakafiki eminyakeni yomhlalaphansi.