Abasebenzi bakaHulumeni babhalise ngokuzenzakalelayo
Uma umuntu ethatha umsebenzi kuma-ejensi kahulumeni, lowo muntu ubhalise ngokuzenzakalelayo ohlelweni lomhlalaphansi lomqashi. Isibonelo, abasebenzi basezinhlaka zombuso banomthelela ku- Federal Employees Retirement System noma FERS .
Iziphathimandla zikahulumeni nezendawo zinezinhlelo ezifanayo. Nakuba lezi zinhlelo ziyahlukahluka ezweni lonke, zifana kakhulu nendlela abasebenzi abangene ngayo , indlela yokukhokhelwa ngayo imali , indlela ukukhokhelwa kwemali kubalwa nokuthi ukufaneleka komhlalaphansi kunqunywa kanjani.
Ngenkathi kungase kubonakale kuvezela ukuthi umqashi kufanele ahlanganyele ohlelweni lokuthatha umhlalaphansi oluthatha imali ngokuqondile ngaphandle kokukhokhwa komsebenzi, okwenza kanjalo kuyadingeka ukuze kube nesistimu yomhlalaphansi eqinile ezohlala isebenza ngokuqhubekayo. Abasebenzi bemali banikela ngezinhloso ezimbili eziyinhloko: ukutshala izimali ezizayo kumhlalaphansi kanye nokukhokhela abaqashile manje. Ngaphandle uma wonke umuntu ebamba iqhaza, lezi ezimbili zisebenzisa ukuthi imali ayinakwenziwa ngenxa yokuntuleka kwemali eyanele.
Abanye babheka leli lungiselelo bese belifanisa nezwi ngokuphanga uPetru ukuthi akhokhe uPawulu. Ngezinga elithile, ilungelo labo. Abasebenzi bangamanje bangakhokha imali encane yokukhokhela imali yokukhokhela abahlala emhlalaphansi, kodwa uma uvula iwashi phambili, izisebenzi zanamuhla ziba ngabaqashi bekusasa, futhi isizukulwane esisha sabasebenzi sikhokhelwa imali yempesheni.
Uma nje kukhona abasebenzi, ukutshalwa kwemali okuhlakaniphile, futhi ugcine izimali, lezi zinhlelo zikahulumeni zokuthatha umhlalaphansi zihlala isikhathi eside.
Icala elilodwa Ngamaphi Abasebenzi Abahlanganyeli
Isikhathi esisebenza ngaso kuphela abasebenzi abakhona abanikezi ngenkathi behlala emsebenzini abahola umhlalaphansi abadonsela ama-annuities ohlelweni lokuthatha umhlalaphansi.
Akusizi umqondo omkhulu wokuthatha umhlalaphansi ukufaka isandla ohlelweni lokuthatha umhlalaphansi lapho lowo muntu esivele ethola izinkokhelo zonyaka. Ezinye izinhlelo zokuthatha umhlalaphansi zikhokhisa ama-ejenti aqhathaniswa nemali ngenxa yokuthi isikhundla sokubuyiselwa emsebenzini sokuthatha umhlalaphansi asibambi futhi ngaleyo ndlela sinciphisa inani labanikeli. Imali iyasiza ekunciphiseni umthelela omubi ohlelweni lomhlalaphansi.
Labo abaye bathatha umhlalaphansi kusukela kwesinye isimiso sokuthatha umhlalaphansi kodwa basebenzela inhlangano ebambisene nomunye umuntu kumele bahlanganyele ohlelweni lomqashi. Ngisho noma umhlalaphansi wokubuyela emsebenzini ungase uhoxise iminikelo ngaphambi kokufinyelela eminyakeni edingekayo yenkonzo ukuze ufanelekele ukuthola imali, bonke abasebenzi kumele banikele ngegalelo ngoba uhlelo lokuthatha umhlalaphansi alukwazi ukuthi yikuphi okuzogcina noma ukugcina imali .
Esikhathini esiningi, abasebenzi bakahulumeni abacabangi ukubandakanyeka okudingekayo ohlelweni lokuthatha umhlalaphansi. Lezi zinhlelo zenza ukuhlela umhlalaphansi kube lula uma kuqhathaniswa nalokho okumele abasebenzi basezimboni ezimele bakwenze. Izinsizakalo eziningi zomphakathi ezishiye umhlalaphansi, izinkampani zokuthatha umhlalaphansi zakha ingxenye enkulu yenzuzo yabo yenyanga. Hlanganisa lokho ngezokuThuthukiswa koMphakathi, khona-ke ukugcinwa komuntu siqu akudingeki ukuba kwenziwe isu elihle lokuthatha umhlalaphansi wokusekela indlela yakhe yokuphila.
Izisebenzi zikaHulumeni zisadingeka zizilondoloze zodwa, kodwa azikwazi ukubhekana nezingozi zokutshala izimali ezingathinti amaqanda azo. Kwabaningi, isitoreji esinemilenze emithathu yokuthatha umhlalaphansi kahulumeni kulula kakhulu ukuqhubeka nokulinganisela.