Isizathu Sokuba Ukuveliswa Kwerhafu Kusisikhokelo Sokwenza Umhlala-phantsi EIndiya

Ukuceba ukuthatha umhlala phantsi kweentsapho ezidityanisiweyo eIndiya kudla ngokuthatha indawo esemva kwinjongo yemali ekhawulezileyo njengokuthenga ikhaya, ukuxhasa imfundo yabantwana, okanye ukuphatha nje iindleko zanyanga. Kodwa, inyaniso icacile: ngokunyuka kobude bobomi, ukunyuka kobunzima bemali yezonyango, nokuphela kwezixhobo zokuxhasa intsapho ezidibeneyo, ukwakha umhlala phantsi onamandla okungagqibeleli phantsi kwemali. Ucelomngeni kukuba ukubekela imali ebhajelweni ngenjongo yokuthenga imali eninzi, okanye iminyaka engama-20 okanye engama-30 ukusuka apho umva ubuhlungu xa wonke umqhawe ubonakala uyimfuneko namhlanje. Oku kulapho izixhobo zokuhlawula irhafuthelo zinikela khona amandla anamandla anamandla kunye nentlawulo lwemali emalini ebhatahlawulwa ngokukhawuleza, ngokunelisa imali eninzi, urhulumente oye wandisa imali eninzi kakhulu ukuze ungenele imali efumanekayo. Umzekelo owe-6,1,1,1,000, uzuza imali efunyenweyo entle entle entle entle kulowo okhoyo ukuze ungenelele kulo lonke.

Isitshixo kukuqonda ukuba asizizixhobo zokunyusa irhafu ezilinganayo xa kufikelwa kumhlala-phantsi. Ezinye zinika unyuko oluqinisekisiweyo kodwa olusezantsi, ngexesha ezinye zinika ukukhula okudityanisiweyo kwemarike ngokunokwenzeka okuphezulu. Intlanganisela eqinisiweyo, edityaniswe nomnqweno wakho womngcipheko kunye nexesha elifutshane, ingaguqula ityala lakho lerhafu libe yinjini yomhlala-phantsi. Kulo khokelo olubanzi, sophula yonke into engundoqo yokufaka irhafutheza phantsi komthetho waseIndiya, chaza indlela enegalelo ngayo kwisakhiwo sekomputha, kunye nemigaqo eluncedo yokwandisa zombini iinzuzo zerhafuzo kunye nobutyebi obude.

Ukuqonda Izinto Ezisindisa Irhafu EIndiya

UMthetho we-Indiya we-Taxis Inters ehlawulwayo unikela izincopho ngaphantsi kwamacandelo amaninzi, ngokubalulekileyo icandelo 80C, elivumela ukuhlaziywa okupheleleyo kwemali ukuya ku-761.5 lakh ngonyaka wemali kutyalo-mali oluchaziweyo. Ngaphaya koko i-80C, iincopho ezongezelelekileyo ngaphantsi kwecandelo 80CCD(1B), 80D (i-inshorensi) kunye nama-80G (imali) angahlisa ingeniso ehlawulelwa irhafuzo. Ukuhlawuza okukhethekileyo, izixhobo ezidibanisa iinzuzo ezingama-80C neemali ezigcinwe ixesha elide ziyimfuneko. Ngasezantsi sihlolisisa ukhetho ngalunye olungundoqo.

INgxowa-mali yeNkxaso kaRhulumente (PPF)

I-PPF sisicwangciso sogcino-mali esibuyiselwa ngurhulumente ngexesha lokukhula elineminyaka eli-15. Inika inzala esisigxina (ngoku malunga ne7.1% ngekota, ihlaziywe) ekhululekileyo kwirhafu kunye namaqondo okurhoxa. Ingeniso ekwimali egciniweyo ebhankini emalunga nonyaka wama-761.5 lakh ngonyaka ifanelekela ukunyuka ngaphantsi kweCandelo lama-80C. Inzala ehlawulwayo ikhuselwa kwirhafu phantsi kweCandelo 10. Ukhuseleko lwecandelo 10. I-PPF inika i-khusiselo esikhuselekileyo, esidibanisayo. Kodwa, unyaka we-15 ukungabikho kwegumbi lomkhosi (ngokungenamdla ovumelekileyo) uthetha ukuba ifaneleke kakuhle ukwenzela usukelo lomhlala phantsi kwemihlala phantsi kweminyaka eli-109. Ungenelo olukhulu lubuyekelwe kwikhaza elifanelekileyo, ukubuyisela ityala elifanelekileyo.

Enye inkalo esoloko ingahoywa yeyokuba i-PPF ingandiswa kwiibloko ezineminyaka emi-5 emva kokukhula, ivumela ukukhula okuqhubekekayo okukhululekileyo kwerhafu. Kwi-PPF, ungaqala ityala le-PPF kwangoko, ufak' umxhesho omkhulu unyaka ngamnye, kwaye uyivumele ukuba idibane iminyaka eli-15. Xa sele ukhulile, ungayikhupha ikhopus okanye ukwandisa yona ngexesha uqhubekeka udibanisa iimali ezincinci. Oku kwenza iPPF ibe ngumgxobho osezantsi obambela umhlala phantsi.

Imali Abaqeshwa Abayixhasayo (EPF)

I-EPF isenokuba yeyona zixhobo yogcino-mali esebenzayo. Umqeshwa nomqeshi unikela ngexabiso le-12% lomvuzo osisiseko kunye nokuthandwa kwemali enikwa i-EPF (umnikelo womqeshi wahlulwa phakathi kwe-EPF ne-Douelee Pension Scheme). Iminikelo yomqeshwa ifanele ukuhlaziywa kwecandelo elingaphantsi kwe-80C. Umqeshwa nomqeshwa unikela ngexabiso le-EPF elimalunga ne-8. Imali yemali ekhoyo ye-ePF imalunga ne-8,15% ngemali esisiseko, kwaye i-corpus, iquka inzala epheleleyo, ikhululekileyo xa ikhutshwe emva kweminyaka emihlanu yenkonzo eqhubekayo. Iminikelo yemali ehlawulwayo ingumvuzomsebenzi iquka ukuhlawula okuninzi okuncinci (VF) ukuxhasa imali ehlawulwa yimali ephantsi kwemali ephantsi kwemali ephantsi kwemali ephantsi kwemali ephantsi. Kodwa ke, iquka naleyo ehlawulwayo, ingeniso ehlawulwayo, ingakumbi kwemali ehndla.

Inkqubo yePension yeSizwe (NPS)

I-NPS yindawo yentengiselwano elungiselelwe ukuxhasa i-PNP, i-Phost yexesha elide ebhaliswe ngemali egciniweyo, i-Pension Fund Regatoriary neNguqulo IGunya leNkqutyana. Ifumaneka kubo bonke abemi base-Indiya (kuquka i-NRIs) kwaye inika iinguqu ezimbini: (iimfumba yabasebenzi bangaphambili, ngokungakhethiyo) kunye neTier II (imali engenalo nemali engenayo isitshixo, kodwa akukho rhafuzo zerhafu). I-i-adenti yemali encinane ekwiminyaka engama-80 de ibe ngama-60, nangona ivumelekelelwa phantsi kweemeko ezithile. Imali ekhefu eninzi kakhulu, ifuna ikhefu ekhoyo ikhefu ekhoyo i-mali eninzi kakhulu, ingangekhoyo kwimiqatha eli-e-80% yemali ekhoyo, i-EXPS, ingakumbi semali ekhoyo kwimiba eliphantsi (eeeeekhompuma enkulu kakhulu kwemali ekhoyo).

Ulungiso lokugcina olunxulunyanisiweyo (ELS)

IESS yahlukene ngokwemali enikwa intlawulo epheleleyo enika unyuko lwerhafu phantsi kwecandelo 80C ngexesha elifutshane lokutshixa phakathi kwazo zonke iinketho – iminyaka emithathu kuphela. Emva kokutshixa, iiyunithi zingahlawulelwa nangaliphi na ixesha. Ekubeni i-ESSS ifake ingeniso ephambili kwi-exect, ithwala umngcipheko omkhulu kodwa inika amathuba okufumana iimbuyekezo eziphezulu. Ngaphaya kwexesha elide (iminyaka engama-10+) edlulileyo phakathi kweenketho-eeeendleko-eeeeeeeeeeeee, i-evective i-eventings izakunikezela malunga ne-12-15% yeendlela eziyenzileyo, ezinokuthi zikhawule ngokuphawulekayo ukukhula kwe-layi-FPPP, ezinokuthi zinyuse ngokuphawulekayo kwi-ephazansi yemali ephambili, i-evoluvolution encinane kakhulu, i-ekungamele ukusetyenziswa kwe-ethenjiso elincinane kakhulu kwe-ethensi - ye-engile, i-ekugqibe-ethe yo

Iinshorensi Yobomi

Imali ehlawulwayo ye-inshorensi yobomi (imali ebuyiselweyo, i-ULIPS) ifanelekele ukuhlaziywa phantsi kweCandelo 80C, phantsi kwemeko yokuba isiqinisekiso siphinda-phinde kalishumi intlawulo yonyaka. Ngoxa i-inshorensi inika inzuzo yokufa ukukhusela intsapho yakho, inxalenye yemali egciniweyo ephantsi kwemiqathango epheleleyo ngenxa yeendleko eziphezulu nezingahlaziyiyo. Iinjongo ezininzi zesithethe zinikela ukubuyela kuludwe lwe-4/6%, okuthi ukunyuka okuncinane kokunyuka komnyaka. Ngaphezu koko, ukukhulela irhafuthelo kuphezulu kuphela ukuba imali ehlawulwayo ingaphantsi kwe 10% yemali eqinisekisiweyo (kuba ikhutshwe emva konyaka 1 April 2012). Ukurhoxa lokudla komkelelwa komhlala phantsi komsebenzi kufuneka uthathiwe, ngoko ke, ukusetyenziswa kwe-inshorensi (ukukhuselwa komkha).

Indlela Ezi Zixhobo Ezakha Ngayo Ugcino Lomhlalaphantsi – Ngaphaya Kwerhafu

Imali egciniweyo yerhafu ingumvuzo okhawulezileyo, kodwa umlingo wokwenene wokuthatha umhlala-phantsi uxhomekeke ekuqokeleleni, ekufakeni ushishino, nasekunikeni iimpahla.

Into Edibana Nayo: Umakhi Othuleyo

Qwalasela umnikeli wemali oqala eneminyaka engama-25 ubudala, ufako olupheleleyo lwe-761.5 lakh ngonyaka kuxube lwe-PPF (7% ibuya) kunye ne-ESS (12% ibuya) kunye ne- 40:60 yabela, kwaye ikwabeka i-7650 000 kwi-NPS (10% ebuyayo ithatyathwe.). Ngaphezulu kweminyaka engama-35, uthatha iimbuyekezo ezizinzileyo (ngokomfanekiso), ungeniso lwe-7670 lakh (62kh lakh ngonyaka) lungakhula lufikelele ngaphezu kwe-03.5.5 crore – ngenxa yokudityaniswa. Ngaphambilana, isiphumo esinamandla ngakumbi. Unyaka ngamnye uqala, lombililo lufuna iminikelo engaphezulu kakhulu ngenyanga ukuze ufikelele usukelo olufanayo.

Ukubekwa kwezithuba kunye noLawulo loMngcipheko

Imposiso eqhelekileyo kukubeka yonke imali egciniweyo kwisixhobo esinye. PPF ne-EPF zinika uzinzo kodwa zinokusikel' umda wokukhula; azinakukwazi ukugcina isantya sokunyuka kwamaxabiso emali kwixesha elide. I-ESS ne-NPS (ilungu elithe tye) zinika ukukhula kodwa nge--CONS. Indlela elungileyo kukwenza i-portfolio ehambisana nokunyamezela kwakho umngcipheko kunye nexesha elithe jikelezeli. Umntu oneminyaka engama-20 kunyaka we-debesekuthatheni umhlala phantsi, umthamo onobundlobongela wama-70/80% kwi-equatting (ii-viPS es es eccetyy kunye ne-eleS) unika intlawulo oluzenzekelayo oluqhelekileyo (iPF, e-EPF) kunye nama-2030 etyala engcono kakhulu kwithuba lokulungisa izithuba zomsebenzi.

Iminikelo Yabaqeshi: Imali Efumaneka Ngesisa Ngenxa Yomhlala - phantsi

Ukuba umqeshi wakho unika i-NPS, nawuphi na umqeshi omalunga ne-10% yomvuzo (i-10% karhulumente) ukhutshelwa phantsi kweCandelo 80CCD(2) ngaphandle kokuchaphazela umda wakho wama-80C. Le nto ngowongezelelekileyo imali egcinwayo enciphisa ingeniso yakho ehlawulwa yirhafu. Ngokufanayo, i-EPF yomqeshi (12% yemiqathango esisiseko) ayifaneleki ngqo kumqeshi (yindleko yomqeshi), kodwa isangenelwa kwiminikelo ye-corpus ekhutshwayo.

Izakhono Zokwandisa Ukulondolozwa Kwerhafu Nokuthatha Umhlala-phantsi

Ngoku ke, ukuba uyazazi izixhobo, inyathelo elilandelayo kukubulawa. Nazi iindlela ezisebenzayo zokucinezela ezininzi kakhulu kwezinconywayo zerhafu kunye nokukhula kwexesha elide.

Icandelo lama-80C kunye noxube oluLunene

Icandelo 80C linikela unyuso lwe-EPF (ulwakhiwo oluzenzekelayo). Musa nje ukugcwalisa umlinganiselo ngayo nayiphi na indlela ecwangcisiweyo. Indlela elungeleleneyo inokuba: 761.5 lakh kwi PPF (umgangatho okhuselekileyo) + ESS (umtshato) + EPF (enziwe ngokuzenzekela) idityaniswe phakathi komda. Umzekelo, ukuba i-EPF i-660 000 ngonyaka, une-190,000 eshiyekileyo. Ukwahlula phakathi kwe-PFF (1000,000) kunye ne-ESS (2000,000). Okanye ukuba ufuna ukukhula okuninzi, faka u-69 000 kwi-ES kusetyenziswa kwi-ELS kusetyenziswa ii-IS kunyaka ngamnye, uqwalasela ixesha lokutshixa i-FPP ne-EP ubophe imali ngaphezulu kwexesha elide, ingadibani nezinye iinjongo zokuthenga ezinye.

2. Ukukhutshwa kweNPS okuNgenisiweyo kwama-760,000

Icandelo 80CCD(1B) linikela ngentlawulo eyongezelelekileyo ukuya kutsho kuma-760,000 erhafu yeNPS Tier I, ngaphezulu nangaphezulu kwe-80C kapup. Eli lithuba elikhulu kuye nawuphi na umhlawuli werhafu, ingakumbi lowo unezibiyeli eziphezulu. Kumntu okwisiqwenga serhafu se-30%, utyala imali engama-750,000 kwi-NPS egcina imali yerhafu. Kodwa umnikelo ngokwawo ukhula irhafu de ithathe umhlala phantsi. Ukuba unikela nge-750,000 ngonyaka ukusuka kwiminyaka engama-30 ukuya kuma-60, i-10%, ukwandisa ngokungathi yi-999999. Emva kokuthengwa konyaka, ufumana umhlala-mali wemali, ufumana umhlala-mali werhafu eyongezeleyo. Ukuhlaza i-mali e-55 000 (5). Ngoko ke unyusa umlinganiselo ofanelekileyo wama-8059, ngoko ke unyusa nge-59,59/FFS, ngoko ungenye ingeniso eyongezelelwe-mali yemali eyongezelelweyo.

3. Iminikelo yomqeshi: nyusa 80CCD(2)

Ukuba umqeshi wakho uvumela iNPS, bakhuthaze ukuba banikele ngobuninzi obuvumelekileyo (ipesenti yemali ehlawulwayo yecala, 14% karhulumente). Oku kunciphisa ingeniso yakho ehlawulekayo kwaye kwakha i-corpus. Umzekelo, ukuba umvuzo wakho yi-7612 lakh ngenani, umnikelo womqeshi we-761.2 lakh ukuya kwi-NPS ihlawulelwe ngokupheleleyo irhafu phantsi kwecandelo lama-80CCD (2). Ukudityaniswa oku nezincopho zakho ezingama-80C kunye nama-80C(1B) kunye nama-80%), kwaye unokuba ugcina ngaphezu kwe-6.2 kwirhafu yemali yonyaka ngamnye ngoxa usenza imali ye-crekitha yomhlala-cre. I-nethiyo kunye nomqeshishi wakho uquka njengenxalenye yakho yembuyelo-NPS ukuba sele ithenjisiwe.

4. Sebenzisa iiALS ekukhuleni ngeTshixana-mfutshane

U-ESS unika uncedo lwamanzi emva kweminyaka emithathu, kodwa emva kokuthatha umhlala-phantsi, akumele uyijonge njengesixhobo sexesha elifutshane. Endaweni yoko, sebenzisa i-ELSS njengesithuthi sokuqokelela ibhaso elinde lexesha elide. Ungaqala iELSSSIP kwaye emva kweminyaka emithathu, unendawo yokuphuma ephakathi kwe-enodility emanzi ngoku. Ungaphinda uyihlawulele ingxowa yemali ethe rhoqo (akukho rhin, kodwa akukho xabiso lerhafu kwakhona) okanye uqhubeke nokuphatha. Isitshixo kukungahlawuli imali yokungakhange uhlawulele. Ukusebenza kakuhle kwerhafuthelo, i-ELSS ubamba iiyunithi zemali ezingaphezulu konyaka ongaphezulu njenge-1 yemali eCCCCCC.

5. INgxowa-mali eHlanganisiweyo yoBonelelo (VPF) ukwenzela ukufuduswa kwamatyala

Ukuba ulilungu le-EPF kwaye ufuna ulwamkelo oluninzi lwetyala ngomlinganiselo omnye wenzala, sebenzisa i-VPF. Ungafakela naliphi na ipesenti lomvuzo wakho osisiseko (uthobela inkqubo yomqeshi wakho) kwi-VPF, kwaye ifumana umyinge omnye we-EPF. Iminikelo iyafaneleka phantsi kwecandelo 80C. Oku kuluncedo ngokukodwa kubacebisi abathelekisayo abasele befake i-PF kwaye bafuna ukunyuka kwetyala elikhululekileyo. Kodwa ke, khumbula ukuba i-EPF+VPF-PF idityaniswe isitshixo de kube ngumhlala-phantsi (ngaphandle kweminxeba ethile), ngoko ke qinisekisa ukuba uneempahla ezingephi namayeza eluncedo zexesha elifanelekileyo.

6. Abangqubani Bagweba Irhafu Becinga Ngerhafu Entsha

Ukusukela ekuqalisweni kolawulo olutsha lwerhafu (amaqondo aphantsi kodwa kungekho zincopho), abaholi-khaya abaninzi bajongene nokhetho. Ukuba ukhetha ulawulo olutsha, ukuhlawula irhafu ngaphantsi kwama-80C, 80CCD(1B), njl. njl. njl, awuniki nzuzo. Umxhasi ophezulu ofumana irhafu kulawulo lwakudala, uxanduva oluphezulu luxabiseke kakhulu. Uninzi lwabasebenzi baphantsi kolawulo olutsha, i-PNPS I iminikelo yemali ephantsi kwe-80C(15) ehlawulwa yirhafuthensi), ulawulo olutsha olunemiqatha yerhafu, kodwa uyavuma ukuba ulawulo oluncinane alunamali lungakuncediswayo, kodwa lungahlawulwa luninzi ulawulo olukhoyo, kodwa lungahlawulwa yimali eninzi ehlawulwa ngurhulumenteni. Kodwa ke, khumbula ukuba uyakwazi ukulahlekelwa yimali eninzi yoonke, ngaphandle komvuzo oselelwe yimali yakho.

7. Qala ngokukhawuleza kwaye usebenzise izicwangciso zokonga isixokelelwano (IIP)

Eyona nto ibalulekileyo kubungakanani be-corpus yokuthatha umhlala-phantsi lixesha, hayi isantya sokubuya. Ukuqala ngo 25 ngokunxulumene no-35 kungaphinda-phindwa okanye kuphinda-phindeke kathathu i-corpus yakho yokugqibela ngenxa yokudityaniswa. Sebenzisa i-SIP ye-ELS kunye neminikelo eqhelekileyo kwi-PPF/NPS ukuya kwingqeqesho. Ukunikezela ngobungakanani bokutyala akusokuze kuphoswe nyanga. Umzekelo, umisela i-auto-dekhithi yenyanga nganye ye-655,000 000 kwimali ye-ELS kunye no-64000 kwi-NFS kwinani elipheleleyo le-NFS. Ngonyaka, ubuya kuba uthengise i-60,000 kwi-ESS ne-NPS, kunye ne-EPS, kunye ne-EPPTTTTP.

Iimpazamo Eziqhelekileyo Nendlela Yokuziphepha

Kwanangona kusezinyanzelweni ezintle, abatyali-mali abaninzi bamaIndiya bawela kwimigibe enciphisa impumelelo yogcino-mali lwerhafu.

  • [[NTL: 0] Behlisa imali egciniweyo yerhafu njengenjongo yokuqala: Abanye abantu bakhetha utyalo-mali ngokubhekiselele kwincopho epheleleyo ngaphandle kokuqwalasela imbuyekezo yexesha elide. Umzekelo, ukuthenga inkqubo ye-inshorensi ehlawulwa kancinci ukugcina irhafu kungakutshixa kwimivuzo engalunganga. Soloko uvavanya ukubuya kwe-netha-mali emva kokunyuka kokwehla.
  • [[NTL:0] Ngokugqitha kwingeniso emiselweyo: PPF kunye ne-EPF zikhuselekile, kodwa ukuxhomekeka kakhulu kuzo kungaphumela kwikhomputha engakukhuphi ukunyuka komngcipheko wozaliso. Kwimbali, i-PPF ibuyela ngaphezulu kakhulu kokunyuka komyilelo wozaliso, ishiya ukukhula okuncinci. I-Ectal ibalulekile kwindalo enentsingiselo ngaphezu kweminyaka engama-20+.
  • [[NTL:0] Ukuhlawulwa kweNPS yoNyaka ehlawulwayo: Xa kuthatha umhlala-phantsi, ama-40% e-NPS corpus kufuneka asetyenziswe ukuthenga i-Genericke, kwaye ingeniso yaManyaka ifanele ibhaliswe njengemali-mali nganye ehlawulwayo. Oku kungadala ityala lerhafu kwintlawulo yomhlala-phantsi. Ukuceba ukwenza loo nto ngokungenisa kwezinye izixhobo ezinika ingeniso yerhafu, njenge-PF okanye i-ESS (elimisiweyo).
  • [[NTLAMBO:0] Ukungahloli lwabiwo lwemali ekwindawo engaphandle: imithetho yerhafu iyatshintsha, inzala iyatshintshiswa, kunye nemeko yakho yemali iyatshintsha. Hlola umhlala-phantsi wakho womsebenzi womsebenzi womsebenzi nyaka ngamnye. Phinda ulinganise iminikelo yolwahlulo, ukwandisa iminikelo ngomvuzo, kwaye utshintshe imali ukuba umsebenzi awuhambi kakuhle.
  • [[NTL:0] Ngokuzotywa ngaphambi kwexesha: PPF kunye ne-EPF zivumela ukurhoxa ngokweenjongo ezithile ezifana nemfundo okanye indawo yokuhlala. Ngexa oku kurhoxa kungeyompazamo nge-se, kunciphisa iikhopu eziya kudibanisa. Zama ukulinganisela ukurhoxa kwiimeko ezingxamisekileyo zenene kwaye ugcine ezinye iindleko ezicwangcisiweyo.

Ukuzidibanisa: Isicwangciso Sokuthatha Umhlala - phantsi

Makhe sibonise isicwangciso esiqinileyo semali ehlawulwayo eqeshwe iminyaka engama-30 ngonyaka, kulawulo lwakudala lwerhafu, ngenjongo yokuyeka ukulala xa uneminyaka engama-60.

  • I-EPF: Ifaksi yomvuzo osisiseko 760,000 ngenyanga. Igalelo lomsebenzi eliyi-12% = 66 000 ngenyanga = 76 000 ngonyaka. Oku kuyafaneleka ngaphantsi kwama-80C.
  • I-PPF: Vula ityala uze unikele ngama-760,000 ngonyaka (ukuqatsela okanye ukuthatha inxaxheba kwi-12). Kwakhona kufuneka ufaneleke ngaphantsi kwama-80C.
  • Ii-ELS: Qala i-SIP yenyanga nganye 763 = 766 000 ngonyaka.
  • NPS (ISIXILE I): Igalelo 764,000 ngenyanga = 7648,000 ngonyaka. Oku kugquma 7648 000 ngaphantsi kwama-80CCD (1) kumda wama-809. Kodwa sele sine 762 000 765 000+76 000 76 000 = 763 000 761,000 esuka kwezinye imithombo, ingaphezulu kwe 809,58,000. Ngoko kufuneka silungise: Nciphisa i- PPS F ukuya ku- 801 000 000 000, i-EPF ku 7672 000, isimbuku- 809 000 000 000 000 000, isimbuku-5,3,000. Ngoko sebenzisa umnikelo wama-51,000,000, ukufikelela ngokupheleleyo 76 76. , umlinganiselo (0,5,5,5,56,1,4,4,4,4,1,4,4,4,1,4,1,1,4,4,1,4, irhafuza elindleko, elipheleleyo elingaphantsi konyaka--wonke-wonke (0,1,1,1,1
  • Igalelo lomqeshi: Ukuba umqeshi unika iNPS, uthi 10% yomvuzo = 761,20 000 ngonyaka. Phantsi kwe-80CCD(2) oku kuhle ngokupheleleyo, kugcina omnye 7636 000 kwirhafu. Ngoko uhlawulo lwemali lunokuba 763,20 000.

Ngaphezu kweminyaka engama-30, i-EPF nge-8%, i-PPF nge-7%, i-ELS nge-12%, i-NPS nge-10% (umlinganiselo onzima), i-corpus eneminyaka engama-60 ingaba phantse i-12. Oku kunika ingeniso etofotofo yenyanga ngexesha lokuthatha umhlala-phantsi, ingakumbi xa idityaniswe nemali ekhoyo evela kwi-NPS kunye nokurhoxa okungacacisiweyo kwi-PF/EPF.

Isiphelo: Qala Namhlanje, Uvune Ngomso

Ukwakha ikhomputha yerhafu eIndiya akuyonto imfihlelo-yokutyala intlawulo eguquguqukayo, ehlawula irhafu. Izixhobo ezinikelwa phantsi kwemithetho yerhafu yaseIndiya zenzelwe ukukhuthaza ukugcinwa kwemali egcinwe ixesha elide, kwaye zisebenza ngokumangalisayo xa zisetyenziswa ngokuchanekileyo. Udityaniso lwemali egcinwe ngokukhawuleza, ulwandiso, kunye nezixhobo ezikhoyo zinokutshintsha ungeniso olufanelekileyo lwemali yonyaka ibe yiqanda eqandani ekwindlwana elinganayo. Ungalindeli kwimivumbo ephezulu okanye “imeko ezigqibeleleyo” zemarikethengiso. Qala ngayo nayiphi na into ongayigcina – 76500 ngenyanga kwi-ELS SIPS okanye kwi-NPS. Ukwandisa kwayo ngeshumi lemali ngonyaka. nyaka ngamnye. Ubalo olubhalisiweyo lwemali ukuba luyimfuneko, kodwa khumbula ukuba eyona nto ibalulekileyo iqala ukuhlawula.

Ukuqhubeka ufunda, khangela i-website yeSebe lerhafu efunyenweyo ukwenzela imida etsha yokunyuswa kwentlawulo, NPS yeNPS yeenkcukacha zeNPS, kunye ne EFFO portal yemithetho ye-EPFF.