isikhwama sendlalifa sesambulela se-fairheadsfairheads.com. · isikhwama sendlalifa sesambulela...

Isikhwama Sendlalifa Sesambulela Se-Fairheads

ISIQONDISO SELUNGU

Ukusiza abagadi/abanakekeli namalungu ukuthi benze okungcono kakhulu ngesikhwama

sabo sezindlalifa

Uhlelo 1.4 – 2015

Umhlinzeki wezinkonzo zezimali ogunyaziwe

I-Sharecall:086 010 2919

I-Fairheads Benefit ServicesImininingwane Yokuxhumana:

UcingoIsikhungo sezingcingo sase-Cape Town: 021 410 7800

Ifeksi yase-Cape Town: 021 410 7998I-imeyili: [email protected]

IposiThe Fairheads Umbrella Beneficiary Fund

PO Box 4994 CAPE TOWN 8000

Iwebhusayithiwww.fairheads.com

Ikhasi lebhizinisi le-FacebookFairheads Benefit Services

Gauteng

Ground Floor 45 Commissioner Str.JOHANNESBURG

Ucingo: 010 100 3316

Noma

2nd Floor, Block A, Sandton Close 2 Cnr Norwich Close & 5th Str.

SANDTON

Ucingo: 011 883 9755

Durban

22nd Floor, Office no. 2217199 Smith Str., Embassy Building

DURBAN

Ucingo: 031 368 9260

Cape Town

14th Floor, 2 Long Str.CAPE TOWN

Phone: 021 410 7800

Vakashela

mailto:[email protected]

www.fairheads.com

Lesi siqondiso selungu esika:

Inombolo yereferensi ye-akhawunti yelungu:

Imininingwane Yokuxhumana:

Okuqukethwe

Ukufingqwa p. 2

Indlela isikhwama sezindlalifa esisebenza ngayo

Le ngxenye inikeza ukufingqwa okucacile kwend-lela isikhwama esisebenza ngayo.

p. 3

Indlela inkokhelo eyenziwa ngayo

Lengxenye icacisa indlela inkokhelo eyenziwa ngayo ukusuka kusikhwama sezindlalifa kanye nendlela okufanele wenze ngayo ukuze ucele inkokhelo.

p. 4

Ukwenza isiqiniseko sokuthi inkokhelo yakho ayimiswa

Ukuyeka ukuthola izinkokhelo zakho ngokun-galindelwe kungase kukuphazamise kakhulu. Lengxenye icacisa ukubaluleka kokugcwalisa nokubuyisa ifomu lesitifiketi sakho saminyaka yonke sokuba khona (I-COE) ukuqinisekisa ukuthi izinkokhelo azimiswa.

p. 6

Ama-Trustee - ukunakekela imali yakho

Njengayo yonke into ekuphileni, kukhona othile onomthwalo wemfanelo wokuqiniseka ukuthi umsebenzi uyenziwa, ukuze isikhwama sezindlalifa sikhokhele amalungu izinzuzo zawo. Ubani onakekela isikhwama sakho sezindlalifa? Le ngxenye ibheka indima yebhodi lama-trustee.

p. 8

Indlela imali kusikhwama sezindlalifa etshalwa ngayo

Omunye wemithwalo yemfanelo yama-trustee uwu-kutshala imali egcinwe esikhwameni sezindlalifa esikhundleni selungu ngendlela engcono kakhulu. Le ngxenye ibheka indlela isikhwama sezindlalifa esitshala ngayo imali yamalungu.

p. 9

Uma ungumgadi/ungumnakekeli, sicela uphinde wabelane ngalolu lwazi nelungu, njengoba kufanele bazi ukuthi yini okufanele bayenze

uma kwenzeka okuthile kuwena.

Sicela uqaphele: Lena akuyona idokhumenti yezomthetho. Ulwazi olukuleli bhukwana lumane liwukufingqwa kwemithetho yesikhwama

sezindlalifa. Imithetho yesikhwama izosebenza kuzo zonke izimo.

Ukulandelela i-akhawunti yakho yelungu

Omunye wemithwalo yemfanelo yama-trustee uwukuxoxa nawe njalo mayelana ne-akhawunti yakho yelungu kanye nezinye izindaba. Le ngxenye ibheka indlela lokhu kukhulumisana okungakusiza ngayo ukuthi ugcine umbhalo we-akhawunti yakho yelungu.

p. 10

Lapho ubulungu bakho besikhwama sezindlalifa bufika esiphethweni

I-akhawunti yakho yelungu imiswe ngokuyin-hloko ukuze isize ukukhokhela imfundo yakho kanye nezindleko ezivamile zokukhula. Kodwa esi-gabeni esithile ungaqala ukwenza izinqumo zakho mayelana nendlela ongathanda ngayo ukuseben-zisa le mali. Funda le ngxenye ukuze uthole ukuthi yini eyenzekayo lapho ubulungu bakho besikh-wama sezindlalifa bufika esiphethweni.

p. 12

Okufanele ukwenze uma ungajabule ngosizo yethu

Nakuba singase sifise ukuthi kwenzeke okuhlukile, kukhona izikhathi ezithile lapho izinto zingahambi kahle. Mhlawumbe umbuzo noma inkokhelo ibambekile futhi ucasulwa usizo olutholayo. Le ngxenye ikubonisa indlela yokwenza isikhalazo esizokulethela imiphumela.

p. 14

Ekuphetheni..... p. 15

2 | The Fairheads Umbrella Beneficiary Fund Member Guide

OkufingqiweKungani imali yafakwa kulesisikhwama

sezindlalifa?

Lapho i lunga les ikhwama som-hlalaphansi l ishona, ama-trustees alesosikhwama kumele a landele umthetho ekuhlukaniseni lemali kubantu abancike kwilunga. Ama-trustees kumele athathe isinqumo sokuyikhokha kubantu abancikile noma kusikhwama

sezindlalifa. Inhloso yaso yalesikhwama ukunakekela lemali ekhokhelwe abancikile (ilaba asebengamalunga alesisikhwama).

Uma ilungu noma umntwana eneminyaka engaphansi kuka 18 noma ekhubazekile (isibonelo: ukuphazamiseka engqondweni, umuntu obekwe ngaphansi kwesandla somnakekeli,) kwisimo esinjalo, umgadi noma umnakekeli angamukela lemali ukukhulisa umntwana.

Iyini imithwalo yemfanelo yami?

Uma ungumgadi/umnakekeli

• Indlela osebenzisa ngayo imali yelungu olinakeke-layo ingenza wonke umehluko ekusaseni lalelo lungu. Cabangela indlela engcono kakhulu yokusebenzisa le mali ukunikeza ilungu imfundo nokukhulisa okung-cono kakhulu.

• Funda ukuxhumana okuvela kusikhwama sezind-lalifa ukuze uqiniseke ukuthi uyayiqonda indlela isikhwama sezindlalifa esisebenza ngayo nalokho okudingeka ukwenze.

• Yabelana ngalolu lwazi nelungu, uma kufanelekile.

Uma uyilungu

• Imali ekulesi sikhwama sezindlalifa eyokukunikeza imfundo engcono futhi ikusize ulungiselele ikusasa lakho. Yenza okung-cono ngaleli thuba.

• Qiniseka ukuthi uyaqonda ukuthi yini okufanele uyenze ukuze uthole inkokhelo eqhubekayo yale nzuzo. Isibonelo: faka isicelo Sikamazisi wakho lapho uba no-16 futhi uvule i-akhawunti yasebhange lapho uba nobudala obungu-18. (Bona ikhasi 12-13 ukuze uthole ulwazi olwengeziwe.)

Lizongisiza kanjani leli bhukwana?

Leli bhukwana libhalwe ngokukhethekile ukuze likusize uqonde indlela isikhwama sezindlalifa esisebenza ngayo kanye nendlela engcono yokusebenzisa imali yakho etholakalayo isibonelo: indlela engcono kakhulu yokusebenzisa lezi zinzuzo, umgadi/umnakekeli kanye nelungu bangasebenza ndawonye ngokuphathelene nemfundo kanye nokuvikeleka ngokwezimali kwesikhathi esizayo kwelungu.

The Fairheads Umbrella Beneficiary Fund Member Guide | 3

Isebenza kanjani lesiKhwama semali yokuthola usizo?Akhawunti yendlalifa iyavulwa uma kushona umuntu obekade ekhokha imali ibesifakwa kulesikhwama semali yokuthola usizo. (iReferensi yale akhawunti yelunga iyavela kuzo zonke izincwadi ezithunyelwa kuSingamzali/Umnakekeli noma indlalifa, leRef-erensimele ishiwo kuzo zonke izicelo noma izikhalazo onazo.) Injongoyethu ukuba ukwenza lemali ekwi-akhawunti yendlalifa ikwazi ukuqhuba kuze indlalifa ibe neminyaka engu-18 noma iqede Umatikuletsheni (grade 12).

Imali le efakwe kwiAkhawunti yendla-lifa iyatshalwa kanye nemali iyebitsha.

Kunenhlawulo ekhokh-wayo yokunakekela i-akhawunti yendlalifa

Izinhlawulo eziningi ziyakwazi ukuk-wenziwa kwiakhawunti yendlalifa.

I- Akhawunti yendlalifa igadwa kahle ngendlela elungile khona izokwazi ukuqhuba isikhathi eside. Ingakho ke zingakhokelwa zonke izicelo enizidlulisayo.

Imali eshiwe ngumufi iyak-hokhwa kwiAkhawanti yendlalifa

Izimali ezingakhokhwa njalo zikhokhwa nyanga zonke noma zikhokhwa ngesikhathi lapho kuding-eka iphuma kwimali yedlalifa.

Izindaba zemali ezikhethekile mayelana nokusiza uma kuthunyelwe isicelo, inga hokhwelwa imali yesikole, umfaniswano wesikole, izincwadi, izincwadi zokubala, imali yokugibela, njalo njalo. Phenya kwi-khasi lesi-4 ukuze uthole imininingwane eminingi

OKUNGENAYO

OKUPHUMAYO

I-AKHAWUNTI Yendlalifa

(iqhukethe iminingwane yemali eshiwele idlalifa)


Indlela inkokhelo eyenziwa ngayo Isikhwama sendlalifa singenza izinkokhelo ezi-vamile kanye nezosizo lwezimali olukhethekile kumalungu noma kubagadi/abanakekeli.

Izinkokhelo ezivamile

Kufanele zisetshenziselweni izinkokhelo ezivamile?Izinkokhelo ezivamile zihloselwe ukusiza ukukhokhela izindleko zokuphila zosuku nosuku ezitholakale njengengxenye yoku-nakekela ilungu. Lezi zingase zihlanganise indawo yokuhlala, ukudla, njalo.

Uzothola malini, futhi nini?Imali ozoyikhokhelwa izoncika:• kubungako benzuzo (uma inkokhelo yenzuzo yokufa inkulu,

iningi engakhokhwa)

• kubudala belungu (uma ilungu lincane, imali izohlala isikhathi eside futhi yilapho ezosabalaliswa ngezinkokhelo ezincane)

• ekutheni inkokhelo yenziwa kaningi kangakanani kuwena (inkokhelo ingenziwa njalo ngenyanga, ngekota, njalo ezinyan-geni ezingu-6 noma kanye ngonyaka)

Ama-trustee angase alungise leli nani ngezikhathi ezithile.

Bhekisela kusitifiketi selungu ukuze uthole inani eli-qondile elingakhokhwa.

Izinkokhelo zosizo lwezezimali olukhethekile

Zizokwenziwa nini izinkokhelo zosizo lwezezimali olukhethekile?Izinkokhelo zosizo lwezezimali olukhethekile zenziwa lapho umgadi/umnakekeli noma ilungu elidala licela (lenza isicelo), kodwa isikhwama sezindlalifa esizonquma ukuthi inkokhelo ingen-ziwa yini. Lezi zicelo zingenzeka kanye noma ziphindeke.Isicelo singenziwa futhi ngokuqondile umuntu wesithathu njengesikole noma inyuvesi, kuleso simo ama-trustee esikh-wama sezindlalifa ayohlola nelungu elidala kanye/noma umgadi/umnakekeli ngaphambi kokuthi inkokhelo yenziwe.Inkokhelo yezicelo zosizo lwezezimali olukhethekile ingenzelwa ngezinjongo “zemfundo, ukunakekela, ukuthuthukiswa kanye nen-hlalakahle” yelungu. Lezi zihlanganisa, ngokwesibonelo, • imali yasesikoleni/yasenyuvesi, izincwadi, izinto zokubhala

kanye nomfaniselwano. • ezokuthutha• izifundo ezengeziwe, ezemidlalo• izindleko zokwelapha• ngokuvamile noma yini isikhwama esicabanga ukuthi izol-

ungela ilungu.

ISIXWAYISO: Kugcine engqondweni ukuthi izinkokhelo ezinkulu zosizo lwezezimali olukhethekile zingase ziholele ekuncipheni kwezinkokhelo

zakho ezivamile.


Kufanele ngiyicele kanjani inkokhelo yosizo lwezezimali olukhethekile?

Uma ufuna ukucela usizo lwezezimali ngaphandle kwezinkokhelo ezivamile, khumbula ukuthi –

• uzodinga ukuthumela amadokhumenti/ama-invoyisi asekela isicelo sakho kusikhwama sezindlalifa;

• kumelwe ubonise ngokucacile ikheli lakho nenombolo yakho yokuxhumana (uma kusebenza);

• inombolo yakho ehlukile eboniswe kusitatimende selungu kumelwe ibhalwe kusicelo; futhi

• kumelwe USAYINE isicelo.

Izindleko zokufunda

Uma ucela imali ngokukhethekile ngezinjongo zokufunda, uzodinga ukuthumela:

• I-invoyisi/isitatimende/incwadi evela esikoleni, ekolishi noma enyuvesi ekulethahedi yayo noma eqhukethe isitebhu sayo, ebonisa inombolo yokubhalisa yesikhungo kanye nakho konke okulandelayo:

- Igama lelungu

- Ibanga/isifundo ilungu elibhalise kuso

- Imininingwane eningilizayo yemali ekhokhwayo

• Imiphumela yelungu yangonyaka odlule

• Ulwazi olulandelayo olumayelana nesikole, ikolishi, noma inyuvesi:

- imininingwane ye-akhawunti yasebhange

- izinombolo zocingo kanye nefeksi

- ikheli le-imeyili

- igama lomuntu othintwayo esikhungweni semfundo ephakeme

• Amakhotheshini aningilizayo amayunifomu esikole, ezinto zokubhala kanye nezincwadi zokufunda, abonisa ngoku-cacile into ngayinye kanye nenani layo nokuthi ifunelwa liphi ilungu.

• Ezimweni zemfundo ephakeme, ubude besifundo ilungu elifuna ukusifunda.

Qiniseka ukuthi sinemniningwane yakho yasebhange efanele kanye nekhophi egunyaziwe yangempela yomazisi wakho kumarekhodi ethu.

OKUBALULEKE KAKHULU: Lezi zicelo kumelwe zithu-nyelwe okungenani enyangeni engu-1 ngaphambi kosuku lokukhokha olulindelekile, ukuze kuqinisekwe ukuthi inkokh-elo yenziwa ngosuku okulindeleke ngalo.


Ukwenza isiqiniseko sokuthi inkokhelo yakho ayimiswaIsikhwama sezindlalifa kufanele senze isi-qiniseko sokuthi kukhokhelwa abantu abafanele. Senza kanjalo ngokwenza abagadi/abanakekeli ukuthi baqinisekise ukuthi basanakekela amalungu, ngokuthi bagcwalise futhi babuyise ifomu lesiti-fiketi sokuba khona unyaka nonyaka.

Uma isikhwama sezindlalifa singalitholi leli fomu ngesikhathi esifanele, simisa konke ukukhokha okwenziwa kulowo muntu kuze kube yilapho kutholwa ifomu lesitifiketi sokuba khona eligcwal-iswe kahle.

Le ngxenye ichaza indlela yokugcwalisa ifomu lesitifiketi sokuba khona futhi uqiniseke ukuthi inkokhelo yakho ayimiswa

Yini okufanele ngiyenze ngefomu lesitifiketi sokuba khona (I-COE)? 1. Thatha ifomu lakho, kanye nomazisi wakho wangempela

(I-ID) kanye nekhophi ye-ID yakho, Kukhomishina Wezifungo ogunyaziwe noma isiphathimandla (njengothishanhloko wesikole, amaphoyisa, inkosi yasendaweni, umsebenzi saseposini, umsebenzi sasebhange, umfundisi, imantshi, udokotela, umcwaningi zimali, ummeli noma abasebenzi abathile emahhovisi ethu ongena kuwo).

2. Sayina leli fomu phambi kwesiphathimandla bese wenza ukuthi isiphathimandla sibhale ngokuhlukana igama laso, sisayine futhi sifake isigxivizo kufomu, futhi kugunyazwe ikhophi yakho ye-ID uma benegunya elifanele. Esimweni lapho ingane oyinakekelayo ithola inzuzo, igama kanye nenombolo ye-ID kumelwe kube imininingwane yengane, kodwa isiginesha kumelwe ibe eyomgadi/eyomnakekeli.

3. Buyisela ifomu kusikhwama sezindlalifa ngosuku oluding-ekile, usebenzisa imvilophu ekhokhelwe onikezwe yona, noma ngefeksi noma i-imeyili. Khumbula ukuthi KUMELWE ubuyise ifomu kusikhwama sezindlalifa. - Uma uthanda ukulandelela ukulethwa kwayo, futhi uzi-misele ukukhokhela izindleko zokuposa ezengeziwe, ungase uthumele ifomu ngeposi elibhalisiwe lakwa-Fairheads (PO Box 4994, Cape Town, 8000), noma lithunyelwe ngekhoriya kukheli lomgwaqo lakwa-Fairheads (2 Long Street, Cape Town). Khumbula ukulibhala ukuthi liya: Fairheads Benefit Services.

4. Uzothola i-SMS eqinisekisa ukuthi i-Fairheads isitholile isiti-fiketi sakho sokuba khona esifanele.

Kuthiwani…

Nakuba umuntu engase athembe ukuthi isimo asiveli, kungenzeka ukuthi umgadi/umnakekeli noma ilungu lingase lishone ngaphambi kokuba ilungu libe no-18. Le ngxenye ibheka ukuthi yini eyokwen-zeka esimweni esinjalo.


Kuthiwani uma kufa umgadi/umnakekeli?Ngokuvamile, umndeni uzoxoxa ngokuthi ubani ozoba umgadi/umnakekeli omusha. Isitifiketi sokufa somgadi/somnakekeli ofile kumelwe sithunyelwe kusikhwama sezindlalifa. Ukushintshwa komgadi/komnakekeli kube umgadi/umnakekeli omusha kuzok-wenzeka kuphela uma isikhwama sezindlalifa sesithole amafomu engeziwe okushintshwa komgadi/komnakekeli.

Ukuze kuqaliswe inkokhelo kumgadi/kumnakekeli, isikhwama sezindlalifa sizodinga amadokhumenti athile. Sicela ushayele isikhungo sezingcingo ukuze uthole ulwazi olwengeziwe noma uvakashele elinye lamahhovisi ethu ongena kuwo noma iwebhusayithi kulesi simo.

Kuthiwani uma umgadi/umnakekeli engak-wazi ukunakekela ilungu?Kuyinto evamile ngomgadi/ngomnakekeli osekhulile noma okhu-bazekile ukuthi adlulisele umthwalo wemfanelo wokunakekela ilungu kumuntu omncane, njengendodakazi yakhe. Kulesi simo, isikhwama sezindlalifa sizodinga amafomu athile. Sicela ushayele isikhungo sezingcingo ukuze uthole ulwazi olwengeziwe.

Kuthiwani uma othile ngaphandle komgadi/komnakekeli enakekela ilungu?Ngezinye izikhathi ilungu ligcina selinakekelwa othile ongeyena umgadi/umnakekeli. Esimweni esinjalo, kungase kube khona ukuphikisana ngokuthi ubani ongumgadi/ongumnakekeli wangempela futhi ubani ongathatha isinyathelo emelele ilungu. Nalapha futhi, isikhwama sezindlalifa sizodinga amadokhumenti athile. Sicela ushayele isikhungo sezingcingo ukuze uthole ulwazi olwengeziwe.

Kuthiwani uma bengingayifuni noma iyiphi inkokhelo esuka kusikhwama sezindlalifa kuleli zinga?Ngezinye izikhathi umgadi/umnakekeli unquma ukungayisebenzisi noma iyiphi imali eku-akhawunti yelungu, eyishiya lapho kuze kube yilapho ilungu liyid-inga ukuze lifunde enyuvesi, noma lifune ukuyitshala lapho liba no-18 noma ngaphezulu..

Uma ungafuni ukukhokhelwa njalo ngenyanga kulesi sigaba, sicela


uthinte isikhwama sezindlalifa ukuze uhlele ukuthi inkokhelo ime kuze kube yilapho unquma okuhlukile.

Kuthiwani uma ufuna ukushintsha igama lelungu noma usuku lokuzalwa?

Ulwazi isikhwama sezindlalifa olunalo lelungu kumelwe lufane nedokhumenti esemthethweni ekhishwe Umnyango Wezasekhaya walelo lungu. Uma ufuna ukwenza noma yiziphi izinguquko egameni noma usuku lokuzalwa lwelungu ezihlukile kulezo zedokhumenti yamanje Yomnyango Wezasekhaya kanye nalokho isikhwama sezindlalifa esinakho, udinga ukuthumela incwadi evela Kumnyango Wezasekhaya iya kusikhwama sezindlalifa, eqinisekisa ukuthi izinguquko zenziwe.

Kuthiwani uma ilungu lifa ngaphambi kobudala obungu-18?

Kulesi simo inzuzo izokhokhelwa indlu yelungu. Isikhwama sezind-lalifa sizodinga amakhophi agunyaziwe angempela alandelayo:

• isitifiketi sokufa selungu,

• incwadi yegunya enikezwe Inkosi Yenkantolo Enkulu,

• umazisi wommeleli omisiwe,

• imininingwane yasebhange efanele egcinwe egameni lendlu yelungu elingasekho,

• incwadi yeziqondiso yangempela ethunyelwe isikhwama sezindlalifa, egcwaliswe futhi yasayinwa ummeleli omisiwe phambi Kukakhomishana Wezifungo (iphoyisa, ummeli, ummeleli wezomthetho, imenenja yasebhange, imantshi noma izisebenzi zasemahhovisi ethu ongena kuwo). Ukhomishana Wezifungo naye kumelwe asayine le ncwadi.

Ama-Trustee - ukunakekela imali yakhoUbani olawula isikhwama sezindlalifa?

Isikhwama sezindlalifa siyinhlangano engokomthetho ezimele engeyona eyanoma iyiphi inkampani. Isikhwama sezindlalifa silawulwa futhi siphathwe yibhodi lama-trustee okufanele okun-genani libe nama-trustee amane, i-trustee eyodwa kumelwe ibe ezimele.

Ukusebenza kosuku nosuku kwesikhwama sezindlalifa kuphathwa i-Fairheads Benefit Services (Pty) Ltd.


Isikhwama sezindlalifa siphinde sibe nesisebenzi esiyinhloko, umhliziyi wamabhuku, kanye nezimenja zama-investimenti bonke abazimele futhi abamiswe ama-trustee. Ama-trustee anelungelo lokuchibiyela imithetho yesikhwama. Zonke izichibiyelo kumelwe zigunyazwe futhi zibhaliswe Umabhalane Wezikhwama Zempesheni ngaphambi kokuba zisebenze.

Yini okumelwe yenziwe ama-trustee?

Ama-trustee anomthwalo wemfanelo wokuphathwa kwaso sonke isikhwama. Ama-trustee kumelwe, phakathi kokunye, -

alawule isikhwama sezindlalifa ngendlela esebenzayo nebonakalayo;

• bakhethe izimenenja zama-investimenti ezingcono kakhulu kanye nama-investimenti;

• ukuxhumana njalo namalungu;

• ukuphendula izingxabano futhi kugwenywe ukungqubuzana kwezithakazelo; futhi

• azi futhi aqonde izimiso nanoma yimiphi imithetho ethinta isikh-wama sezindlalifa.

Indlela imali kusikhwama sezindlalifa etshalwa ngayo

Kungani imali esesikhwameni sezindlalifa itshalwa?

Kubalulekile ukuthi imali yelungu ngalinye lesikhwama sezindlal-ifa itshalwe ukuze ihlangabezane nezidingo zamalungu. Ngenxa yendlela isikhwama sezindlalifa okumelwe senze ngayo inkokh-elo evamile kumalungu, ama-investimenti ngokuvamile awayona inkimbinkimbi. Lokhu kusho ukuthi esikhundleni sokuba nomgomo wembuyiselo ye-investimenti ephakeme kodwa ingozi ibe iphakeme, kugxilwa –

• ekutheni imali ibe khona ukuze kwenziwe inkokhelo lapho idingeka; futhi

• kuvikelwe ikhephithali (imali yokuqala edluliselwe kusikhwama sezindlalifa).


Ubani olawula ama-investimenti?

Ama-trustee amisa izimenenja zama-investimenti (belulekwa abe-luleki abazimeli bama-asethi) ezigxile kuma-investimenti angcono kakhulu kumalungu esikhwama sezindlalifa. Ukusebenza kwe-zimenenja zama-investimenti kuqashwa futhi kubikwe ngekota kuma-trustee. Kukhona isitatimende senqubomgomo ye-investi-menti esihlanganisa imithetho yokutshalwa kwemali yamalungu. Lokhu kubuyekezwa njalo ama-trustee kanye nomeluleki ozimele wama-asethi ukuze kuqinisekwe ukuthi izidingo zamalungu kusahl-angabezwana nazo.

Itshalwa kanjani imali?

Ama-investimenti amathathu asetshenziswa ngesilinganiso esi-fanele kuye ngeminyaka yelungu, ubungako be-akhawunti yelungu kanye nokuthi imali izotshalwa isikhathi eside kangakanani. Yilawa:

Isikhwama semakethe yezimali

Enye imali igcinwa kusikhwama semakethe yezimali ukuze kube nokufinyelela okushesh-ayo kumali.

Isikhwama semali engenayo

Lapho imali ingadingeki ngokushesha, itshalwa kusikhwama semali engenayo ukuze ithole inzuzo eyengeziwe kunaleyo engayithola kuma-call deposit.

Isikhwama esilinganiselwe

Lapho i-akhawunti yelungu inkulu kakhulu futhi ilungu lilincane, imali itshalwa kusikhwama esilinganiselwe ukuze ithole ukukhula kwesikhathi esizayo.

Ukulandelela i-akhawunti yakho yelungu Singaligcina kanjani irekhodi le-akhawunti yelungu?

Amalungu kanye/noma abagadi/abanakekeli bazothola izitati-mende zenzuzo yelungu zaminyaka yonke phakathi kwezinyanga ezingu-6 zokuphela konyaka wezezimali wesikhwama sezindlalifa (ekupheleni kuka-February unyaka ngamunye) kanye nefomu lesiti-fiketi sokuba khona saminyaka yonke.

Lokhu kuzokubonisa:

• ukuthi ingakanani imali esetshenzisiwe phakathi nonyaka,• ukuthi ingakanani ekhona ekupheleni konyaka wezezimali,

nokuthi

• imali itshalwe kuphi

Yini okumelwe ngiyenze ngesitatimende sami senzuzo yelungu?

Gcina zonke izitatimende zenzuzo yelungu endaweni ephephile. Uma wena njengomgadi/umnakekeli uthola isitatimende senzuzo


yelungu, cabangela ukuxoxa ngaso nelungu. Uma kwenzeka ufa noma ungakwazi ukwenza izinhlelo zakho ngenxa yokulimala noma impilo ebuthaka, ilungu – lilidala ngokwanele - okungenani lizok-wazi ukuthi yini okufanele liyenze.

Sicela ukhumbule ukusebenzisa inombolo yereferensi ekusitatimende senzuzo yelungu kuyo yonke imibuzo nokuxhumana nesikhwama sezindlalifa.

Yikuphi okunye ukuxhumana engingakulindela?

Isikhwama sezindlalifa senza ukuvakasha kwaminyaka yonke ezindaweni ezehlukile lapho kukhona khona amalungu, ukuze kunikezwe abagadi/abanakekeli ulwazi olwengeziwe ngendlela isikhwama sezindlalifa esisebenza ngayo kanye nokwenza okung-cono kakhulu ngale senkonzo. Lokhu kuvakasha kubizwa ngokuthi ‘imibukiso yasemgwaqeni’ futhi ikhangiswa kumaphephandaba omphakathi asendaweni. Abagadi/abanakekeli endaweni baphinde baziswe ngale mibukiso yasemgwaqeni nge-sms.

Ngaphezu kwalokho, amalungu nabagadi/abanakekeli ban-elungelo lokuhlola ikhophi egcwele yemithetho yesikhwama sezindlalifa kanye nezitatimende zemali nganoma yisiphi isikhathi esinengqondo futhi ngaphandle kokukhokhiswa ehhovisi elibhal-isiwe lesikhwama (bona isembozo esingemuva) kanye nokwenza amakhophi alawa madokhumenti ngezindleko zakhe. Amakhophi alawa madokhumenti angacelwa futhi ngesikhathi sokukhokhwa kwemali enqunywe ama-trustee.


Lapho ubulungu bakho bufika esiphethweniKuyoze kube nini ilungu lifanelekela ukuthola inkokhelo?

Ilungu lizothola incwadi cishe ezinyangeni ezingu-3 ngaphambi kokuthi ubulungu bufike esipheth-weni futhi linenketho yokushiya imali esikhwameni sezindlalifa noma ikhokhwe.

Ubulungu besikhwama sezindlalifa belungu ngokuvamile buzophela lapho lifika esikhathini sobudala (ubudala obungu-18)*. Kuleli qophelo, yonke imali esele ku-akhawunti yelungu ikhokhelwa ilungu.

NGAPHANDLE …

1. Uma ilungu lifuna ukuhlala isikhathi eside Ngisho noma ilungu liba neminyaka engu-18, lingase likethe ukugcina inzuzo kusikhwama sezindlalifa. Kulesi simo ubulungu ngokuvamile buzoqhubeka kuze kube yilapho kwenziwa inkokhelo yokugcina.

2. Uma imali esele incane kakhulu Uma i-akhawunti yelungu iwela ngaphansi kwenani elithile (elimiswa ibhodi lama-trustee), akusekho ngokwenzuzo yelungu ukuba libe ne-akhawunti yelungu futhi likhokhe izimali zabaqondisi. Kulesi simo, imali esele izokhokhelwa umgadi/umnakekeli ngisho noma ilungu lingaphansi kuka-18

3. Uma ilungu lishona ngaphambi kobudala obungu-18. Kuleso simo inzuzo izokhokhelwa indlu yelungu.

* Ilungu elinokukhubazeka okusemthethweni lizohlala liyilungu ukuphila kwalo konke, ngaphandle kwalapho ukukhubazeka okusemthethweni kungasekho noma kuze kuphele imali.

Yini okumelwe mina, ilungu, ngiyenze ukuze ngithole okusele ku-akhawunti yami yelungu?

Ukuze ukwazi ukuthola imali esele ku-akhawunti yakho yelungu, udinga ukwenza okulandelayo:

Ebudaleni obungu-16 – faka isicelo sikamazisi (I-ID)

1. Thatha izithombe ezimbili zosayizi we-ID (izitolo eziningi zezithombe zingakwenza lokhu ngemali encane

2. Thatha izithombe kanye nekhophi egunyaziwe yesiti-fiketi sakho sokuzalwa ehhovisi Lomnyango Wezasekhaya wendawo.

3. Ehhovisi Lomnyango Wezasekhaya, gcwalisa ifomu lesicelo se-ID (Ifomu BI 9).

4. Ngemva kwezinyanga ezingu-2, buyela ehhovisi Lomnyango Wezasekhaya ukulanda i-ID. (Bangase futhi babe nendlela yokukuthinta ukuze bakwazise ukuthi i-ID isikulungele yini ukuthi uyilande).


Ebudaleni obungu-18 – vula i-akhawunti yasebhange

1. Buza abangane futhi uvakashele amabhange ambalwa ukuze unqume ukuthi yiliphi ibhange ongathanda ukulikhetha. Buka izindleko zamabhange ahlukahlukene.

2. Buza futhi ukuthi ungafaka malini encane ukuze uvule i-akhawunti yakho. Lungisa amadokhumenti ozowadinga ebhange. Yilawa:

- i-ID yakho (ibhange lizokwenza ikhophi)

- incwadi yokuqondisa evela esikhwameni sezindlalifa (ukubonisa ibhange ukuthi uzobe uthola imali)

- ubufakazi bekheli lendawo yakho yokuhlala (lapho ohlala khona). Lokhu kungase kube okuthile okufana nelayisensi ye-TV, noma isivumelwano sokuqasha, noam i-akhawunti kamasipala. Uma usahlala nomgadi/umnakekeli, ungase ungabi nawo wonke lawa madokhumenti. Kulesi simo, hamba nencwadi esuka kumgadi/umnakekeli wakho echaza ubudlelwane bakhe nawe; ukuthi uhlala naye futhi eveza izinombolo zenu nobabili ze-ID. Futhi thatha ubufakazi bakhe bekheli lokuhlala (noma iyiphi idokhumenti yamuva, esemthethweni ebonisa ikheli lapho ohlala khona nomgadi/nomnakekeli).

3. Vakashela ibhange olikhethile bese ucela ukukhuluma nomuntu ongakusiza uvule i-akhawunti yakho yasebhange.

Ukuze wenze imali ikhokhwe ku-akhawunti yasebhange yelungu, sicela uthumele isikhwama sezindlalifa amadokhumenti alandelayo:

• incwadi yesiqondiso yokuqala ethunyelwe isikhwama sezindlalifa, egcwaliswe futhi yasayinwa ilungu phambi Kukakhomishana Wezifungo (iphoyisa, ummeli, ummeleli wezomthetho, imenenja yasebhange, imantshi noma izise-benzi emahhovisi ethu ongena kuwo). Ukhomishana Wezifungo kumelwe naye asayine incwadi.

• ikhophi yangempela egunyaziwe kamazisi welungu

• imininingwane yasebhange yelungu (i-akhawunti KUMELWE ibe segameni lelungu)


Okufanele ukwenze uma ungajabule ngenkonzo yethuUma unesikhalazo ngokumelene nesikhwama sezindlalifa, sithumele ngokuthi ubhalele okuthi:

The Complaints Officer

Ucingo: 0860 102 919 Ifeksi: 021 410 7998 I-imeyili: [email protected]

The Fairheads Umbrella Beneficiary Fund P O Box 4994, Cape Town, 8000 Uma undaba lungaxazululiwe ngendlela ekwanelisayo phakathi kwamaviki angu-3 Isiphathimandla Sezikhalazo sithole isikhalazo sakho, ungase udlulisele indaba kokuthi:

The Trustees of The Fairheads Umbrella Beneficiary Fund

Ucingo: 0860 102 919 Ifeksi: 021 410 7994 I-imeyili: [email protected]

PO Box 4994, Cape Town, 8000

Uma undaba lungaxazululiwe ngendlela ekwanelisayo phakathi kwamaviki angu-3 Isiphathimandla Sezikhalazo sithole isikhalazo sakho, ungase udlulisele indaba kumlawuli olandelayo:

The Pension Funds Adjudicator

Ucingo: 012 3461738 Ifeksi: 086 693 7472 I-imeyili: [email protected] Iwebhusayithi: www.pfa.org.za PO Box 580, Menlyn, 0063

Ungase futhi uthinte:

The National Consumer Commission

Ucingo: 012 761 3200 Ifeksi: 086 758 4990 I-imeyili: [email protected] Iwebhusayithi: www.nccsa.org.za Private Bag X84, Pretoria, 0001




www.pfa.org.za


www.nccsa.org.za


Ekuphetheni...Njengoba ususifundile lesi Siqondiso Selungu, kufanele manje ube nokuqonda okungcono kwamaphuzu abalulekile amayelana ne-akhawunti yelungu, njengokuthi:

• Yini isikhwama sezindlalifa esikunikeza yona

• Iyini imithwalo yakho yemfanelo

• Ubani onakekela imali yakho

• Yiluphi ulwazi oluthola kusikhwama sezindlalifa

• Yini okufanele uyenze uma ungajabule ngesikhwama sezindlalifa

Imithetho egunyaziwe yesikhwama sezindlalifa kanye nezi-tatimende zezimali zitholakala emahhovisi e-Fairheads

Benefit Services (Pty) Ltd, 2 Long Street, Cape Town, 8001.

Uma unemibuzo eyengeziwe, wamukelekile ukuthi uthinte i-Fair-heads Benefits Services (bona isembozo ezingemuva ukuze uthole imininingwane yokuxhumana).

16 |Imininingwane

Imininingwane:

Imininingwane | 17

Imininingwane:

18 |Imininingwane

Imininingwane:

Imininingwane | 19

Imininingwane:

I-Fairheads Benefit ServicesImininingwane Yokuxhumana:

UcingoIsikhungo sezingcingo sase-Cape Town: 021 410 7800

Ifeksi yase-Cape Town: 021 410 7998I-imeyili: [email protected]

IkheliThe Fairheads Umbrella Beneficiary Fund

PO Box 4994 CAPE TOWN 8000

Iwebhusayithiwww.fairheads.com

Ikhasi lebhizinisi le-FacebookFairheads Benefit Services

Gauteng

Ground Floor 45 Commissioner Str.JOHANNESBURG

Ucingo: 010 100 3316

Noma

2nd Floor, Block A, Sandton Close 2 Cnr Norwich Close & 5th Str.

SANDTON

Ucingo: 011 883 9755

Durban

22nd Floor, Office no. 2217199 Smith Str., Embassy Building

DURBAN

Ucingo: 031 368 9260

Cape Town

14th Floor, 2 Long Str.CAPE TOWN

Phone: 021 410 7800

Vakashela


www.fairheads.com

isikhwama sendlalifa sesambulela se-fairheadsfairheads.com. · isikhwama sendlalifa sesambulela...

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