I-401 yakho (k) ishedyuli yokubonelela ibonisa ukuba ungaphila xa uvala
Yintoni eyiNtloko?
Xa ufaka umnikelo wakho ohambelana nomqeshi, ufumana ilungelo lomthetho lokugcina iminikelo. "Ukuzibophelela" kwisicwangciso somhlalaphantsi kubhekisela kubunini. Ngokukodwa, ufikelele kwinqanaba ngexesha ongashiya ngalo (okanye ukuxoshwa ngu) inkampani yakho iyakubamba loo galelo.
Njengomqeshwa uhlala unikwe i-100% kwiminikelo yakho yomvuzo-mali yokunikezela kwisicwangciso somhlalaphantsi emsebenzini. Ingcamango efanayo iyasebenza nge-SEP kunye neminikelo emininzi eyenziwa ngumqeshi. Nayiphi na iminikelo oyenzayo ngemali yakho isoloko yakho.
Yintoni Eyona Nokukhawuleza?
Ngokwe-Vanguard uhlalutyo lwezicwangciso zokuhlala zomhlala-phantsi ezi-1,900 ezinezigidi ezi-3.9 ezibandakanyekayo, ngaphantsi kwesiqingatha (iipesenti ezingama-47) zeenkampani ezinikela ngokukhawuleza ngokuxhasa imirhumo efanayo. Umqeshwa othe wangeniswa ngokukhawuleza kwi-akhawunti yakhe ibhalansi yakhe i-100% yalo, kwaye umqeshi akakwazi ukuwulahleka, okanye awubuyisele, nangasiphi na isizathu.
Ngokomzekelo, ukuba umqeshi wakho unikezela ngeminikelo ehambelanayo, unobunini obuncinane bhaling efanayo. Ngokunikezela ngokukhawuleza ungenza igalelo namhlanje kwaye nangona ushiya umqeshi wakho kusasa, uya kuba ngu-100% onikezelwe ngeminikelo yakho kunye nomdlalo womqeshi.
Kukho imeko enokwenzeka apho umrhumo wakho womqeshi uza kuba ngu-100%.
Ukuba inkampani yakho isebenzisa into eyaziwa ngokuba ngumdlalo " okhuselekileyo wezithuthi ," ke unikwe i-100% kule nxalenye yenkxaso yenkampani.
Kodwa ukuba umqeshi wakho akaboneleli ngokukhawuleza uza kuthanda ukuthatha ixesha ukuqonda indlela ishedyuli yokuthenga ngayo isebenza ngayo.
Iishedyuli zokuVeza
Nangona abanye abaqeshi banikela ngokunikela ngokukhawuleza kweminikelo yabo ehambelanayo, imigaqo yabo ngokuqhelekileyo ibangela ukuba abasebenzi baveze ngokwexesha elimiselweyo. Ekubeni abasebenzi bezambatho zisekelwe kwisixa sexesha ababenomqeshi wabo, ngeenjongo ezibonakalayo awuyi kukwazi ukushiya ngoLwesihlanu kwaye uthathe inxaxheba ehambelanayo nemali owafumene ngoLwesine.
Ukuthetha ngokubanzi, iindidi ezimbini zeeshedyuli zokuthengisa zifakwe kwiindawo zokuthengisa kunye neefowuni.
Ishedyuli yokuThengiswa kweGrade
Ngeshedyuli yokubophelela, ufaka umrhumo womqeshi wakho kwiminyaka ethile yokubakho emsebenzini. Ukuba umqeshi usebenzisa ishedyuli yokuthengiswa ngokucwangcisiweyo, inokuba yinto ephanayo kunokuba ichazwe ngezantsi, kodwa ngenxa yoMthetho woKhuselo lwePensheni ka-2006, ayikwazi ukuba ngaphantsi koko:
- Emva konyaka wenkonzo: 0% inikwe
- Emva kweminyaka emibini yenkonzo: i-20% inikwe
- Emva kweminyaka emithathu yenkonzo: 40% inikwe
- Emva kweminyaka emine yenkonzo: 60% inikwe
- Emva kweminyaka emihlanu yenkonzo: 80% inikwe
- Emva kweminyaka emithandathu okanye ngaphezulu yenkonzo: 100% inikwe
Ishedyuli yokuThengisa iKhanya
Njengoko kuzwakala, ishedyuli yokuthengiswa kwamatye ithetha ukuba ixesha elithile awuyi kuhlawulwa. Emva koko, njengokuhamba kwintlambo, unikwe bonke ngokukhawuleza. Kwakhona, ishedyuli yokuthengisa i-cliff yomqeshi ingaba nesisa ngakumbi kunokuba ichazwe ngezantsi, kodwa ukubophelela kwakho kuya kwenzeka ngokukhawuleza njengolu hlobo lulandelayo:
- Emva konyaka wenkonzo: 0% inikwe
- Emva kweminyaka emibili yenkonzo: 0% inikwe
- Emva kweminyaka emithathu okanye ngaphezulu yenkonzo: 100% inikwe
Khumbula, ngamnye umqeshi onika umlinganiso womqeshi ekuhambeni kwexesha uya kuba neshedyuli yokuthengisela iindawo ezinqabileyo okanye ishedyuli yokubophelela, kodwa kungabikho bobabini.
Qinisekisa ukuba uyazi ngeshedyuli yokuthengisela umqeshi wakho ngaphambi kokuba wenze zonke iinqununu ezinkulu.
Ukulondoloza umhlala-phantsi kubalulekile, ngoko akunakwenzeka ukuba ufune ngokuzithandela ushiye umsebenzi wakho ngaphambi kokuba ulungele ukufaka isamba esibalulekileyo somnikelo wokulinganisa umqeshi!
Ukuhlaziywa nguScott Spann