Tag: employee benefits

Ka Tokiso TKay Nthebe Translation by Bokang Mosasa Ho tsamaisa khoebo le ho kopanya litlhoko tse tlang le ho ba mohoebi ho ka tšosa ka nako tse ling, ho tloha ka taol ea litaba tsa tsamaiso le ho ikamahanya le eona, ho theha mekhoa ea khoebo, ho eketsa sekhahla sa thekiso le ho boloka li tšenyehelo li le tlase ho netefatsa phaello. Sethala sa khoebo hape se bonahala se na le tlholisano haholo, moo likhoebo li hlolisanang ka ho hohela le ho boloka basebetsi ba nang le boiphihlelo ho tšehetsa kholo ea likhoebo le ntlafalo ea tsona. Ka lebaka lena, bahoebi bana le tloaelo ea ho putsa basebetsi ka melemo e kang menyetla ea matlole a penchene, melemo e fanoang (ea lichelete) ha motho a tlohela mosebetsi, melemo ea tšireletso ea kotsi, libonase kapa tšireletso ea bophelo bo botle ha rat se ling. Le ha melemo ea penchene ele har’a melemo e meng e khahlang, bahiri ba khethang ho ikahela matlole a penchene ba hloka ho etsa bonnete ba ho re ba ikobela melaoana le lipehelo tse tsamaisang matlole ana. Pampiri ena e bua ka kotsi le litlamorao tseo bahoebi ba nang le matlole a penchene ba kopanang le tsona ha ba hloleha ho latela melaoana e amang matlole a penchene. Lichelete tsa mosebetsi (occupational funds) ke eng? Khoebo efe kapa efe e ka theha mofuta oa leano la pokello ea penchene ho thusa basebetsi ba eona ho bolokela bokamoso nakong ea bona ea tšebetso. Leano le na le tsebahalang hape ele letlole la lichelete tsa bosebetsi tsa penchene, le fana ka melemo ea ho tlohela mosebetsi, bokooa le lefu ’me le laoloa ke melao e sebetsang penchene. Letlole le na e ka ba la pokello nakong ea bophelo ba mosebetsi oa motho ka bomong (pension fund) kapa merero ea polokelo eo basebetsi ba kenyang karolo ea meputso ea bona ho eona (provident fund), e lumellang mohiri le mosebetsi ho ntša liabo letloleng. Boikarabello ba bahiri ke eng? Bahiri ba fanang ka melemo ea penchene ba lokela ho ikobela melao e tsamaisang melemo ea matlole a penchene ho kenyeletsa penchene, lekhetho, bosebetsi le melao ea tšireletso ho bolela e fokolang. Ka chebo ea botsamaisi, melao ea penchene e batla ho re matlole a na a penchene a ngolisoe ka molao ’me a be le mangolo, a be le komiti ea botsamaisi e tsamaisang le ho laola letlole ho netefatsa ho re letlole le phethahetse licheleteng ’me matlotlo a litho a sireletsehile. Molemong oa tlaleho ena, ke tla tsepamisa maikutlo holim’a lipehelo tsa melao e a penchene tse hlokang ho re bahiri ba lefe liabo ho batsamaisi ba matlole a penchene ka nako e behiloeng. Ntlheng ea Lesotho, bahiri ba lokela ho ikamahanya le lipehelo tsa karolo ea 29 (1) ea molao oa letlole la penchene oa 2019 (section 29 (1) of Pension Fund Act (PFA) of 2019) e hlokang hore liabo tsa penchene li pataloe ho molaoli oa letlole la penchene nakong ea matsatsi a supileng kamor’a khoeli liabo li amoheloa. Patala ea liabo Tloaelo e khathattsang kahar’a matlole a penchene le ha ho le joalo ke ho se ikobele melao ha bahiri ba hulang liabo mekholong ea basebetsi empa ba sa li fetisetse ho batsamaisi ba matlole. Ha liabo tsena li sa pataloe matloleng a penchene ebile li sa tseteloe, litlamorao ho litho e ba tse mpe ka ha ba shebana le kotsi ea ho ea pencheneng ka chelete tse sa lekanang. Joaloka mohiri, ho se patale liabo le ho se ikobele melao ho na le litlamorao tse ka amang khoebo ea hau hampe. Litlamorao ke li fe? Ho na le litlamorao tse ngata ha bahiri ba fosa ho se patala liabo tsa basebetsi ho balaoli. Ka tlase ke totobatsa tse ling tsa litlamora. Hlokomela hore lethathamo lena ha se le feletseng. Phaello- Bahiri ba sa pataleng liabo tsa botho, ho latela karolo ea 29 (3) (a) ea molao oa letlole la penchene oa 2019 (PFA), ba ka tšoaneloa ke kotlo ea ho patala phaello holim’a liabo tsa bona ka sekhahla sa boemo bo holimo sa +5%. Likotlo- kotlo ea tsamaiso ea letsatsi ea M10 000 bakeng sa letsatsi le leng le le leng le fetang liabo li sa lefshoa e ka lefisoa. Ho se sebetse molemong oa litho- joaloka ha ho boletsoe ka holimo, melemo ea penchene ke karolo ea matlotlo a maholo a mosebetsi. Ha liabo li sa pataloe ka nako ebile li sa tseteloa, basebetsi ba lahleheloa ke phaello e kopanang, sena se fokotsa menyetla ea ho ea pencheneng ba sireletsehile licheleteng. Setumo ba kotsi- Bahiri ba sa ikobeleng melao ea matlole a penchene ba ipeha kotsing, moo likhoebo tsa bona li ka phanyaoloang le ho hobosoa mecheng ea litaba. South African Financial Sector Conduct Authority (FSCA) [2]mohlala e ile ea phatlalatsa lethathamo la bahiri (likhoebo) tse kolotang matlole a penchene. Joaloka mohiri, ho bohlokoa ho romella liabo le linako tse nepahetseng ho motsamaisi oa letlole ka pele ka potlako ho netefatsa ho re melemo e tsetetsoe ka nako. Se na ha sea nepahala feela empa se boetse se thusa matlotlo a hau, basebetsi ba hau, se sireletsa botsitso ba lichelete tsa hau nakong ea penchene ebile se u etsa mohiri oa boikhethelo ho basebetsi. Etsa se nepahetseng, ikobele melao, phethahatsa u se behe khoebo ea hau kotsing. [1] Tokiso Nthebe 2023, Employee Benefits – Saving for the future and managing risk, YouTube, 11 July 2023, viewed 20 September 2023, https://www.youtube.com/watch?v=8V7bqWCMc-0 [2] [2] Kruger, A 2023, ‘Companies owe pension funds more than R6bn in contributions’, Moneyweb, 19 September 2023, viewed 20 September 2023, https://www.moneyweb.co.za/news/south-africa/companies-owe-pension-funds-more-than-r6bn-in-contributions/

Tag: employee benefits

Na u beile khoebo ea hau kotsing? Litlamorao tsa ho se tsamae ka melaoana le lipehelo tsa penchene

The consequences of failing to comply with pension regulations

Why You Must Complete a Beneficiary Nomination Form

What Is Insurable Interest—and Why Does It Matter for Your Financial Health?

What You Need to Know to Protect Your Financial Health

Men’s Mental Health Matters: Let’s Talk About It

Time for a Financial Health Check: Are You Tracking Your Money Goals?

Why You Must Complete a Beneficiary Nomination Form

What Is Insurable Interest—and Why Does It Matter for Your Financial Health?

What You Need to Know to Protect Your Financial Health

Men’s Mental Health Matters: Let’s Talk About It

Time for a Financial Health Check: Are You Tracking Your Money Goals?

Quick Links

Resources

Support