angithathe isbonelo ngomuntu oqale ukusebenza eno 25 years bese eshona eno 33 years,kulowo muntu uselahlekelwe imali eningi ebezoyihola kuze kuhlangane u 65 noma u 60 okanye u 55yrs uma ezothatha i early retirement.pension wise siyazi ukuthi umuntu onjalo usuke esaqongelele okuncane,so ke umbuzo uthi ke uma ebenezingane zizosala zibhekwa ubani?ne education plan siyathola ukuthi ubesabeke kancane..isolution yalapho ke kuba i life cover engavala ama short falls.
akesithathe isibonelo ke sabantu oshadile ku incommunity of property,sithi eyedwa ukhokha neskoloti sika R200 000,lokho okwenza mhlape bekhokhele iskoloti sika R400 000,uma sihlanganisa zonke izikoloti,bese ke utholukuthi abanayo i life cover ,iskoloti se partner sisala nosele,hence ilife cover basuke bezoyidinga uku ceder ngayo,hlampe akengichaze ukuthi kuyini uku ceder,ukuceder kukubambisa ngento uma uthatha iskoloti kwenzelwa uma ungase ushone singaphelanga isikoloti.
kunento ke eyimvama e south africa irate yabasebenzayo aba kuma credit abangasakhoni ukuwakhokha bacelwa ku 60% okwenza kube nophawu lubekwe ku payslip noma ku salary advise ukuthi wena awuthembakele ekukhokheni kanti lento yenziwe into obungayinakanga.kuwumthelela nasezweni ukuthi ama investor angathandi ukuthenga ezweni lethu ngenxa yerisk yezimali ezingenzi nzuzo.
asiphinde sithi hlaba hlosi kwi retirement.ithi mayifane ne pension but ke yona iyinto oyithatha volunterily ngenxa mahlampe usubonine ukuthi ipension yakho angeke yanela ukukunika i income encono uma ufika kwiskhathi somhlala phansi,umake uyithathile lokho kusho ukwehla kwejoka kuhulumeni uma use mpeshenini ngoba uzokwazi ukukhokhela izinto ezifana no medical aid kwelakho iphakethe,mhlampe futhi ungabi nasdingo sika poyinandi (old age pension)ka hulumeni.uye unikwe ke ne exemtion kwi tax yakho eyislinganiso sika 100%.lokho kushukuthi uma wena ucontributhe R1200 kwi service provider thizeni kuye ke uthole imali engaba idue to you ewu R12000.siyeke sibe nenxaki kulolo daba sithola imibuzo ethi omunye unayo kodwa kuthiwe kuye uyakolota.ziningi izinto ezibhekwa usars uma ngithi i exemtion ngiqonde ukuthi ezibalweni onazo mayelana ne icome vs imali yentela oyikhokhile,mhlaphe kuthiwe ubu under tax inani lika R5000.wenake ngoba ubune exemtion ka R12000.kuzothiwake R12000-R5000 bese uthola u R7000.
yizeke noma kungekhona uku under tax okuyimbangela yokukolota u sars,okunye kungaba izimali ezikungenela eceleni ezingaku beka kwi tax band.
asibuye siqhubeke naloke loludaba,siikhulume ngokuzayo siluqhuba lalugcine khona.
No comments:
Post a Comment