Uthini umahluko phakathi kwentlawulo yomhlalaphantsi neyomhlalaphantsi?
Ubomi bunamanqanaba amaninzi esidlula kuwo-umzekelo, kukho iminyaka yokusebenza nalapho kufuneka umntu athathe umhlala-phantsi kwinkonzo karhulumente. Iminyaka yomhlalaphantsi kufuneka icwangciswe ukuqinisekisa ukuba ubani uyonwabela izibonelelo zeminyaka yakhe yokungaphangeli.
Ukucwangcisela umhlala-phantsi ongcono kubandakanya ukucwangcisela ukuba nemali eyaneleyo ukuze uphile kwiminyaka yakho yomhlalaphantsi. Yiyo loo nto kubalulekile ukuba ufumane ipenshini emva kokuthatha umhlalaphantsi.
Kodwa into eza kuxutyushwa kweli nqaku ngumahluko phakathi kwe-gratuity vs pension.
Ngokutsho kwe-Oxford English Dictionary, umhlalaphantsi sisixa-mali esihlawulwa rhoqo njengebhenefithi ehlawulwa ngumntu xa ecinga ngenkonzo yexesha elidlulileyo. Ngokwahlukileyo koko, i- gratuity yimbuyekezo, inkonzo okanye intlawulo enikezelwa simahla ngaphandle kwesibophelelo.
Isixa-mali kunye nepenshini zizibonelelo zomhlalaphantsi ezibonelela ngengeniso kubasebenzi abadla umhlala-phantsi. Nangona zibonelela ngokhuseleko lwezemali kubantu abadla umhlala-phantsi, kukho umahluko phakathi kwe- gratuity ne pension.
Yintoni IsiXhobo?
Inkcazo elula yegama elithi "imali yokuhlawula" ibhekiselele kumvuzo, inkonzo okanye intlawulo enikwa abasebenzi ngaphandle kwesibophelelo. Yinzuzo yokhuseleko emva kokuthatha umhlala-phantsi ebonelelwa ngabaqeshi ngokusekelwe kwinkonzo enikezelwa ngumqeshwa kwiziko labo.
Umbulelo luhlobo oluthile lokuqaphela ukuxabisa inkonzo yabasebenzi kunye negalelo labo ekukhuleni kwesebe. Iminyaka yomsebenzi esebenza kwinkampani ihlawulwa ngumqeshi wakhe.
Abasebenzi bawongwa ngeminyaka yabo yenkonzo xa bemka okanye berhoxa kwiziko elisebenzayo. Umqeshwa oshiya okanye othatha umhlala phantsi kwinkampani uya kufumana isixa esikhulu semali njengembuyekezo ngokusekelwe kwinani leminyaka ayisebenzele inkampani.
Umqeshwa osebenze nenkampani iminyaka ufanelekile ukuba afumane imali yentlawulo xa egxothiwe kwinkampani. Ngokwe-avareji, umqeshwa kufuneka abe esebenzele inkampani iminyaka emihlanu okanye ngaphezulu ukuze afumane isixa-mali.
Umqeshwa unelungelo lokufumana intlawulo yakhe. Nangona kunjalo, ukuba umqeshwa ebeza kusweleka, umvuzo wakhe wokusebenzela inkampani uya kunikwa umtyunjwa, kwakuba nje utyumbo lwenziwe. Isenokunikwa iindlalifa zomqeshwa ongasekhoyo xa kungekho nakuphi na ukutyumba.
Funda kwakhona: Ukurhoxa vs Ukurhoxiswa: Umahluko kunye nothelekiso
Yintoni Umhlalaphantsi?
Inkcazo elula yomhlalaphantsi ibhekisa kuyo njengemali yentlawulo yemali ehlawulwa rhoqo njengenzuzo efunyanwa ngumntu ngokuqwalasela iinkonzo zangaphambili. Yintlawulo eyenziwa rhoqo kubasebenzi abadla umhlala-phantsi yingxowa-mali yomhlalaphantsi okanye ngumqeshi wabo.
Umhlalaphantsi luhlobo lwesicwangciso senzuzo ukuze abasebenzi bafumane isixa semali ezinzileyo rhoqo emva kokuthatha umhlala-phantsi.
Ngokubanzi, umhlalaphantsi ubalwa ngokusekelwe kwizinto ezifana neminyaka yenkonzo kunye nembali yomvuzo womqeshwa. Isicwangciso somhlalaphantsi sizinzileyo kwaye sisebenza xa umqeshi efaka isandla kwingxowa-mali yomhlalaphantsi, ngelixa abasebenzi babo besasebenza.
Iingxowa-mali ezifakwe kwingxowa-mali yomhlalaphantsi ngexesha leminyaka yokusebenza komqeshwa ityalwe ukuvelisa imbuyekezo enenzuzo. Ingxowa-mali etyaliweyo iya kuthi kamva isetyenziswe ukuhlawula imali yomhlalaphantsi xa umsebenzi ethathe umhlala-phantsi emsebenzini.
Intlawulo yomhlalaphantsi yomsebenzi iya kuqhubeka ubomi bakhe bonke bomhlalaphantsi okanye ixesha elithile.
IGratuity vs Pension: Iindidi ezimbini zePension
Ezi ndidi zimbini zomhlalaphantsi zichazwa izicwangciso zenzuzo kunye nezicwangciso zegalelo ezichaziweyo.
- I-Defined Benefit Plans: Olu hlobo lwesicwangciso somhlalaphantsi siqinisekisa inqanaba elithile lomvuzo kumntu odla umhlala-phantsi. Umvuzo womqeshwa kunye neminyaka yenkonzo imisela isixa somvuzo.
- IziCwangciso zoMrhumo ochaziweyo: Olu hlobo lwesicwangciso somhlalaphantsi aluqinisekisi nawuphi na umgangatho womvuzo. Isixa-mali somvuzo sixhomekeke ekubeni yimalini na umqeshi okanye umsebenzi agqiba ekubeni afake isandla kwisicwangciso somhlalaphantsi kunye nokusebenza kotyalo-mali kwisicwangciso.
Funda kwakhona: IiBucks vs Dollar: Umahluko kunye nothelekiso
IsiXeko vs Umhlalaphantsi: Umahluko ongundoqo phakathi kweSibonelelo kunye noMhlalaphantsi
Isixa-mali kunye nomhlalaphantsi ziintlobo zezibonelelo zemali ezibonelelwa abasebenzi ukuba babone iminyaka besebenza emva kokuthatha umhlala-phantsi.
Ngokungafaniyo nomhlala-phantsi, i- gratuity yintlawulo yesihlandlo esinye abaqeshwa abayifumana kubaqeshi babo njengendlela yokwamkelwa nombulelo. Umhlalaphantsi kunye nesixamali zisebenza ngeenjongo ezahlukeneyo njengoko zicwangcisiwe.
I-Gratuity isebenza njengendlela yombulelo yokuhlawula umsebenzi ozinikele iminyaka esebenza nenkampani. Abasebenzi bawongwa ngeminyaka yabo yenkonzo xa bemka okanye berhoxa kwiziko elisebenzayo.
Umqeshwa unelungelo lokufumana intlawulo yakhe. Nangona kunjalo, ukuba umqeshwa ebeza kusweleka, umvuzo wakhe wokusebenzela inkampani uya kunikwa umtyunjwa, kwakuba nje utyumbo lwenziwe. Isenokunikwa iindlalifa zomqeshwa ongasekhoyo xa kungekho nakuphi na ukutyumba.
Ngokwahlukileyo koko, umhlalaphantsi sisicwangciso somhlalaphantsi esiqinisekisa ukuhlawulwa rhoqo kwesixa esizinzileyo semali kumntu odla umhlala-phantsi. Izicwangciso zomhlalaphantsi ziyilelwe ukunika ukhuseleko lwemali emva kokuthatha umhlalaphantsi.
Ngokubanzi, umhlalaphantsi ubalwa ngokusekelwe kwizinto ezifana neminyaka yenkonzo kunye nembali yomvuzo womqeshwa. Isicwangciso somhlalaphantsi sizinzileyo kwaye sisebenza xa umqeshi efaka isandla kwingxowa-mali yomhlalaphantsi, ngelixa abasebenzi babo besasebenza.
IsiBonelelo vs Umhlalaphantsi: Ubume beNtlawulo
I-Gratuity yintlawulo yesihlandlo esinye abaqeshwa abayifumana kubaqeshi babo njengendlela yokuqaphela nombulelo emva kokurhoxa kwabo okanye ukuthatha umhlala-phantsi.
Umhlalaphantsi yintlawulo eyenziwa rhoqo ngezavenge kumntu odla umhlala-phantsi emva kweminyaka esebenzela inkampani okanye umbutho. Intlawulo yesiqhelo iyasebenza kubo bonke ubomi bomqeshwa odla umhlala-phantsi okanye ixesha elithile ngokusekelwe kwimigaqo yesicwangciso somhlalaphantsi.
Funda kwakhona: I-Payslip vs Payroll: Umahluko kunye nothelekiso
IsiBonelelo vs Umhlalaphantsi: Ubude bexesha
Ngokungafaniyo nomhlalaphantsi, imali yesibonelelo ihlawulwa kube kanye kuphela. Yintlawulo yexesha elinye ehlawulwa umsebenzi othembekileyo orhoxa emsebenzini okanye orhoxayo.
Umhlalaphantsi luhlobo lwesicwangciso senzuzo ukuze abasebenzi bafumane isixa semali ezinzileyo rhoqo emva kokuthatha umhlala-phantsi. Isicwangciso somhlalaphantsi sinokusebenza kubo bonke ubomi bomhlalaphantsi okanye ixesha elithile ngokuxhomekeke kwisicwangciso somhlalaphantsi.
IsiBonelelo vs Umhlalaphantsi: Ubume beNzuzo
I-Gratuity yintlawulo yesihlandlo esinye abaqeshwa abayifumana kubaqeshi babo njengendlela yokuqaphela nombulelo emva kokurhoxa kwabo okanye ukuthatha umhlala-phantsi. Lulonwabo okanye umvuzo onikwa abasebenzi abathembekileyo ngeminyaka yabo yenkonzo.
Umhlalaphantsi yintlawulo eyenziwa rhoqo ngezavenge kumntu odla umhlala-phantsi emva kweminyaka esebenzela inkampani okanye umbutho. Ibonelela ngokhuseleko lwezemali kubantu abadla umhlala-phantsi, besebenza njengomthombo wengeniso kwiminyaka yabo yomhlalaphantsi.
IGratuity vs Pension: Indlela yenkxaso-mali
I- gratuity sisicwangciso somnikelo olungelelanisiweyo owenziwe ngumqeshi ukuba anikele ngesixa-mali esithile kwingxowa-mali yesixamali. Intlawulo yesixamali sixhomekeke kwindlela ingxowa-mali eqhube ngayo.
Umhlalaphantsi sisicwangciso senzuzo yomhlalaphantsi esibonelela ngokhuseleko lwezezimali kumntu odla umhlala-phantsi. Umqeshi uthatha uxanduva lokuxhasa ngemali isicwangciso somhlalaphantsi. Umqeshi ukwathatha umngcipheko wotyalo-mali ukuqinisekisa ukuba iintlawulo zenziwa rhoqo.
Funda kwakhona: Daycare vs Preschool: Umahluko kunye nothelekiso
IsiBonelelo vs Umhlalaphantsi: Itshathi yokuthelekisa
Isisa | ibhodi | |
Injongo | Ukubulela abasebenzi abathembekileyo ngeminyaka yabo yenkonzo | Uqinisekisa ingeniso rhoqo ngexesha leminyaka yomhlalaphantsi |
Uhlobo lweNtlawulo | Intlawulo yesixa-mali | Intlawulo rhoqo |
Ixesha lokuhlawula | Ikakhulu xa uthatha umhlalaphantsi okanye urhoxa | Iqala xa umqeshwa ethatha umhlala-phantsi kwaye aqhubeke rhoqo |
ukufaneleka | Ubuncinane beminyaka emihlanu okanye ngaphezulu | Kuxhomekeke kubude benkonzo kunye neminyaka |
Isiseko sokubala | Ngokusekwe kwiminyaka yenkonzo kunye neyokugqibela | Ngokusekelwe kwimbali yomvuzo kunye neminyaka yenkonzo |
Igalelo | Umqeshi-fund, akukho galelo labasebenzi | Ngokufuthi kufuna igalelo kumqeshi kunye nomqeshwa |
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Ucaphulo
- phakathi: Umahluko phakathi kweGratuity kunye nePension
- Business Compiler.ng: Umahluko phakathi kwePension kunye neGratuity
Shiya iMpendulo