Isigqeba seeNkonzo yezimali siphinde saqinisekisa ukuba ukuqaliswa kwenkqubo yomhlala phantsi yee mbiza ezimbini akuzange kwandise amalungelo okufikelela kwangethuba kumalungu e-annuity yomhlala phantsi ngokubhekiselele kumacandelo awo, kwaye ezo mali zihlala ziphantsi kwemithetho yengxowa-mali yangaphambi komhla wokuqala kuSeptemba ka-2024.
Esi sigwebo size kwisicelo sokuqwalaselwa ngokutsha ngokuchasene nokumiselwa koMgwebi weeNgxowa-mali zoMhlalaphantsi malunga neNgxowa-mali yoMhlalaphantsi yaseMzantsi Afrika, elawulwa yi-Old Mutual.
Umgaqo-nkqubo weRA kaBaagile Joseph Mvula’ wakhutshwa ngomhla woku-1 kuNovemba ka-2002 waza wahlawulwa ngoFebruwari ka-2008. Ikhredithi yengxowa-mali ibiyi-R45 418.50 ngomhla wesi-4 kweyeDwarha ngowama-2024.
Ukulandela ukuphunyezwa kwenkqubo yeembiza ezimbini ngomhla woku-1 kuSeptemba 2024, inzuzo yakhe yahlulwa yaba licandelo lokonga, icandelo lomhlalaphantsi, kunye necandelo elinikezelweyo. Ufumene i-R4 205.70 kwicandelo lokonga ngomhla we-12 kweyeDwarha ngowama-2024.
Emva koko wafuna intlawulo yebhalansi eseleyo ye-R42 623 – eyabelwe icandelo elinikezelweyo.
INgxowa-mali yalile, ichaza ukuba kwimeko ye-RA, izibonelelo zihlawulwa kuphela ukusuka kwiminyaka engama-55 ubudala, ngaphandle kokuba enye yezinto ezintathu ezingaphandle iyasebenza: ukukhubazeka okusisigxina, inzuzo epheleleyo engaphantsi kwe-R15 000, okanye ukufuduka ngokusesikweni kunye namaxwebhu afunekayo. Akukho nanye kwezi esebenzayo.
Umgwebi usichithile isikhalazo ngo-Okthobha ka-2025, nto leyo eyabangela ukuba uMvula afake isicelo sokuqwalaselwa kwakhona.
UMvula waphikisa ngelithi:
- Icandelo elinikezelweyo kufuneka lihlale lilawulwa ngumthetho kunye nolawulo lwerhafu olusebenza phambi komhla woku-1 kuSeptemba wama-2024.
- Ngaphambi kohlaziyo, iimali zeRA zazivumela ukurhoxiswa okuthile kube kanye okanye ngokuyinxenye, kwaye loo malungelo aqhubeka esebenza.
- I-10% yolwabiwo lwe-seed-capital ukusuka kwicandelo elinikezelweyo ukuya kwicandelo lokonga lubonise ukuba icandelo elinikezelweyo lisebenza njengendlela yodluliselo esebenzayo endaweni yengxowa-mali egciniweyo.
- Ukusebenzisa oko wakuchaza njengezithintelo zasemva kohlaziyo kwicandelo elinikiweyo kwakungahambelani nenjongo nenjongo yoMthetho woLungiso lweMithetho yeNgeniso, wowama-2024.
- Ngokomxholo, waxoxa ukuba icandelo elinikezelweyo lahlala lifikeleleka phantsi kwesakhelo sohlaziyo lwangaphambili, kwaye iNgxowa-mali kunye noMgwebi basebenzise indlela yomthetho engalunganga.
Izizathu zeTribunal
ISigqeba simisela umgaqo-nkqubo osemthethweni kunye nekhontrakthi iingxowa-mali zomhlalaphantsi, igxininisa ubudlelwane phakathi kwengxowa-mali kunye namalungu ayo ilawulwa yimigaqo yaloo ngxowa-mali, umthetho ofanelekileyo kunye nomthetho oqhelekileyo, kwaye loo migaqo iyabophelela.
Igxininise kuMgaqo we-8.5 weMithetho yeFund’s (Rule 8.5 of the Fund’s Rules) – umgaqo olawula icandelo elinikezelweyo – obonelela ukuba:
- Icandelo elinikizelweyo libandakanya inzala yelungu kanye phambi komhla wokuqala kuSeptemba ka 2024, ngaphantsi kwalo naluphi na ulwabiwo kwicandelo lokonga; kwaye
- Inzala yelungu kwi-vented component “ixhomekeke kwaye kufuneka ihlawulwe ngokuhambelana nemigaqo eyayikho ngokukhawuleza ngaphambi komhla wokuqala ku Septemba ka 2024, kunye nolawulo lwerhafu yokuphunyezwa kwangaphambili.
ISigqeba sibambe la magama sifuna ukuba icandelo elinikezelweyo lilawulwe ngokuhambelana nemithetho yangaphambili yohlengahlengiso esebenza kwiiRAs.
Ifumanise ukuba, ngokwale Mithetho, ilungu lengxowa-mali yomhlalaphantsi yohlobo lwe-RA linokufikelela kwizibonelelo zalo kuphela xa lifikelela kwiminyaka yobudala yokuthatha umhlalaphantsi eyi-55, okanye xa kukho iimeko ezithile ezivumelekileyo (ukukhubazeka okusisigxina, ixabiso lesibonelelo elingaphantsi kwe-R15 000, okanye ukufudukela kwelinye ilizwe ngokusesikweni). UMvula akazange ahlangabezane nayo nayiphi na kwezi mfuno.
I-Tribunal ayizange iyamkele ingxoxo yokuba inkqubo yeengxowa-mali zomhlalaphantsi ezimbini (two-pot system) yatshintsha okanye yandisa amalungelo okufikelela kwangethuba kwimali ekwii-RA. Ifumanise ukuba olu hlaziyo luvumele ukufikelela okulinganiselweyo kwinxalenye yemali eyongiweyo rhoqo ngonyaka, kodwa aluzange lutshintshe iimeko ekufuneka kuhlangatyezwane nazo ukuze kufikelelwe kwimali ye-RA esele iqokelelwe phantsi kwemigaqo yangaphambili (vested benefits).
Ikwagwebe ngelithi imali eyabelwa inxalenye yemali eyongiweyo njengemali yokuqala (seed capital) ngexesha elinye yayiyinxalenye yendlela yokutshintsha ukusuka kwinkqubo endala ukuya kwentsha, kwaye ayizange itshintshe ubume bemali eseleyo esele iqokelelwe phantsi kwemigaqo yangaphambili okanye iyenze ifumaneke ngokuzimeleyo.
I-Tribunal igqibe kwelokuba uMgwebi (Adjudicator)
uwusebenzise ngokuchanekileyo uMgaqo 8.5 kunye namalungiselelo otshintsho enkqubo yeengxowa ezimbini (two-pot system). Ayifumananga sizathu sokungenelela kwisigqibo esenziweyo.
UMvula uya kuba nelungelo lokufumana imali yakhe ye-RA esele iqokelelwe phantsi kwemigaqo yangaphambili kuphela xa efikelela kwiminyaka yobudala yokuthatha umhlalaphantsi emiselweyo yeminyaka eyi-55, ngokuxhomekeke kwimigaqo esebenzayo.
Eli nqaku liguqulelwe kwisiXhosa ngu Ongeziwe Babane.
Cofa apha , ufunde inqaku lesiNgesi elibhalwe yi Moonstone.
