Simulador de Aposentadoria

NgeSibali Somhlalaphansi, ungenza imifanekiso ukuze uthole ukuthi ingakanani imali ongayiqongelela, nokuthi iyiphi imali ongaba nayo ukuze uthole umhlalaphansi onokuthula.

Lingisa ukuthatha kwakho umhlalaphansi ngokuchaza iminyaka yakho yamanje, iminyaka ohlose ukuyithatha umhlalaphansi, ukutshalwa kwezimali kokuqala kanye nomnikelo wanyanga zonke. Ukwengeza, kungenzeka ukusetha ukwehla kwamandla emali yonyaka kanye nezinga lenzalo yonyaka ukuze uthole inzuzo engokoqobo.

Izici eziyinhloko:

- Khetha iminyaka ofuna ukuthatha umhlalaphansi;
- Yenza ngokwezifiso izinga lenzalo yonyaka kanye nokwehla kwamandla emali konyaka;
- Chaza isicelo sokuqala kanye neminikelo yanyanga zonke;
- Chaza izindleko zakho zanyanga zonke ngemva kokuthatha umhlalaphansi;
- Igrafu enomlando wezimpahla ezinqwabelene;
- Landela amandla enzalo yesikhathi eside ehlanganisiwe;
- Bona imbuyiselo yenani lokutshalwa kwezimali, inzalo ephelele ezuzwe kusetshenziswa ifomula yenzuzo ehlanganisiwe;

Isibali sokuthatha umhlalaphansi siyithuluzi elibalulekile lanoma ubani ofuna ukuhlela ikusasa lakhe lezezimali. Ngayo, ungafaka idatha efana neminyaka yamanje, iminyaka yokuthatha umhlalaphansi, ukutshalwa kwezimali kokuqala kanye nezindleko zokuphila okulindelekile ngemva kokuthatha umhlalaphansi. Isibali sisebenzisa le datha ukuze siveze ukukhula kwempahla yakho phakathi neminyaka, sikusize uqonde ukuthi uzodinga malini ukuze ufinyelele imigomo yakho yomhlalaphansi.

Ungashiyi izinqumo zakho zezezimali ukuze uzinike isikhathi esizayo. Landa iSimulator Sokuthatha Umhlalaphansi khona manje futhi uqale ukuhlela impilo yakho yezezimali ngaphandle kokuncika kuphela ku-INSS.
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imibuzo ejwayelekile ukubuzwa

Siyini isibali sokuthatha umhlalaphansi?

Ithuluzi lezezimali elikusiza ukuthi ulinganisele ukuthi yimalini oyidingayo ukuze ulondoloze futhi uyitshale ukuze uye emsebenzini ngokuphepha.

Isibali sokuthatha umhlalaphansi silibala kanjani inani lesikhathi esizayo lokutshalwa kwezimali?

Isebenzisa amafomula ezibalo acabangela ukutshalwa kwezimali kokuqala, iminikelo yanyanga zonke, izilinganiso zenzalo kanye nesikhathi.

Kungani kubalulekile ukusebenzisa umshini wokubala womhlalaphansi?

Ivumela ukuhlelwa kwezimali komuntu siqu nokunolwazi, okusiza ukulungisa amagoli namasu okonga nokonga.

Yiluphi ulwazi oludingekayo ukuze usebenzise umshini wokubala womhlalaphansi?

Iminyaka yamanje, iminyaka yokuthatha umhlalaphansi, ukutshalwa kwezimali kokuqala, umnikelo wanyanga zonke, izinga lenzalo yonyaka, ukwehla kwamandla emali konyaka kanye nezindleko zokuphila ngemva kokuthatha umhlalaphansi.

Ngingaluthuthukisa kanjani uhlelo lwami lomhlalaphansi?

Ukwandisa iminikelo yanyanga zonke, ukutshala izimali ezindlekweni ezinamanani enzalo aphezulu kanye nokuqala ukutshala imali kusenesikhathi.

Ingabe isibali sokuthatha umhlalaphansi sicabangela ukwehla kwamandla emali?

Yebo, izinga lokwehla kwamandla emali lonyaka lingenye yezinto ezicatshangelwa ukulungisa amandla okuthenga emali yakho esikhathini esizayo.

Impahla yami izohlala isikhathi esingakanani ngemva kokuthatha umhlalaphansi?

Lokhu kuncike ezindlekweni zokuphila ngemva kokuthatha umhlalaphansi kanye nesamba esiqoqwe ngesikhathi sokuthatha umhlalaphansi.

Ngingakwazi ukusebenzisa isibali sokuthatha umhlalaphansi ngezimo ezahlukene?

Yebo, ungalungisa okuhlukile okufana nezinga lenzalo neminikelo yanyanga zonke ukuze ulingise izimo namasu ahlukene.

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Umshwana wokuzihlangula: Lolu hlelo lokusebenza luzimele futhi aluhlotshaniswa nanoma iyiphi inhlangano kahulumeni. Ulwazi olunikeziwe lusekelwe kudatha yomphakathi futhi akufanele luthathwe njengokumelela okusemthethweni kwanoma iyiphi i-ejensi kahulumeni noma umgwamanda.

Izibalo ezikhiqizwe yilolu hlelo lokusebenza zisekelwe ezilinganisweni futhi zingahluka ngenxa yezinguquko ezimisweni ezisebenzayo nezintela. Lolu hlelo lokusebenza luhloselwe ukunikeza ulwazi lwemvelo yokufundisa futhi alunalo inani elingokomthetho. Ngakho-ke, kubalulekile ukufuna isiqondiso kuchwepheshe okhethekile endaweni ukuze uthole imihlahlandlela eqondile nenembayo.