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INCWADANA YEENDABA YECRF KAJULAYI 2015 UMQULU WAMA 56

1. LUNGU ELIBEKEKILEYO

Incwadana yeendaba yobu busika ineendaba ezininzi ezimayela neNgxowa-mali yakho. Ubusazi ukuba

iNgxowa-mali itshintshe igama? Funda ngayo yonke loo nto nangesizathu sokuba amaLungu eTrasti enze

esi sigqibo sibalulekileyo. Sixelele ukuba u-C oku-CRF umela ntoni ngokungenela ukhuphiswano lwethu,

apho uza kuba nethuba lokuphumelela ibhaso elihle.

Siza kuchaza nangendlela iGrowth Portfolio yeCRF ekwaze ngayo ukubuya nembuyekezo ephezulu eyi-

CPI+4% kule minyaka elishumi edluleyo, ngoxa abacebisi ngotyalo-mali besithi kuza kuba nzima

ukufumana imbuyekezo engako kule minyaka imbalwa izayo, ngenxa yoqikelelo loqoqosho lwehlabathi

olukhoyo.

Sikuphathele neendaba ezimnandi ngophuculo lwakutshanje lweFamily Assistance Benefits kwaye

siyakukhuthaza ukuba ungene kwiwebhusayithi entsha yeNgxowa-mali apho uza kufumana yonke

inkcazelo ngezinto ezinikelwa yiNgxowa-mali. Kwiphepha xxx sinecandelo leMibuzo Neempendulo, apho

siphendula imibuzo evela kumalungu. Ukuba unayo nayiphi na eminye imibuzo ngezinto

ezingathethwanga kule leta yeendaba, nceda usithumelele i-imeyili kule adresi support@crfund.co.za

okanye uqhakamshelane neziko lethu lonxibelelwano kule nombolo 021 943 5306 ukuze ufumane

uncedo.

UGeorge Foreman uyishwankathela kakuhle indlela ofanele uwucebele ngayo umhlala-phantsi wakho

ngamazwi acatshulweyo endisandul’ ukuweva; wathi: “Undoqo asikokuba uwuthatha xa umdala

kangakanani umhlala-phantsi, kukuba uwuthatha xa unengeniso engakanani”. Lilonke, funda

kangangoko unako ngokhetho olunikwa yiCRF, wazi ukuba ufanele ube sele wonge imali engakanani

ngexesha othatha ngalo umhlala-phantsi, uze wenze izigqibo ngento oyaziyo. Ukuba wenza loo nto, uza

kube usekhondweni elikusa empumelelweni!

Nceda uye kuzenzela ikomityi etshisayo yeti, uhlale phantsi uze uqhubeke ufunda.

Usihlalo Wakho

Soyisile Andreas Mokweni

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2. I-CRF iyaphangalala – inyathelo lokugqibela lokuzama ukungena elizweni lonke!

I-BOT kutshanje yenze isigqibo sokutshintsha igama leNgxowa-mali libe yiConsolidated Retirement Fund

for Local Government. Oku kungqine inyathelo lokugqibela, lohambo olwaqaliswa phantse kwiminyaka

elishumi edluleyo, lokutshintsha le ngxowa-mali isuke ekubeni yeyengingqi ibe yeyelizwe lonke.

Xa bekubuzwa ukuba kutheni amaLungu eTrasti enze isigqibo sokutshintsha igama leNgxowa-mali,

uMnu Eddie Scott, usihlalo weMember Communication and Recruitment Committee uthe amaLungu

eTrasti ayazi ukuba ebudeni bephulo leFreedom of Association, kuphela ziiNgxowa-mali eziphethwe

kakuhle, nezinkulu eziya kusinda. Ngoko xa kucingwa ngengomso, iBhodi igqibe kwelokuba ivulele

ooCeba namalungu elizwe lonke kule Ngxowa-mali. IBhodi iye yaliyeka igama elithi “Cape Retirement

Fund” kuba lenza kube ngathi iCRF yamkela amalungu okanye abaqeshi abakumaPhondo aseKoloni.

Umboneleli ngeenkonzo weNgxowa-mali, uSASH, wenze umsebenzi omhle ngokuqinisekisa ukuba iCRF

iyilungele iFOA, kuba ngoku sithatha inxaxheba kumaphondo asi-8 kwasi-9!

I-CRF ne-Cape Joint zidibana njani?

Sifumanisa ukuba amalungu angamagqala asayibhidanisa iCRF nezinye iiNgxowa-mali ezinamagama

ayeleleyo, ngokukodwa iCape Joint Pension Fund. Le nto ibuyela emva kowe-1996, xa iNgxowa-mali

yasungulwayo.

1996 – I-Cape Joint Retirement Fund yasungulwa.

I-Cape Joint Retirement Fund yaqhekeka kwiCape Joint Pension Fund ngowe-1996. Le Ngxowa-mali

yasungulwa njengeDefined Contribution Fund kuphela. Ezi Ngxowa-mali zimbini, nangona zahlukene

ngokupheleleyo kwaye ziphethwe ziiBhodi zeTrasti ezahlukeneyo, bezisaziwa njengeeCape Joint Fund

phantse iminyaka elishumi. Yiloo nto ke ebangele ukuba amalungu angamagqala aqhubeke ebiza iCRF

ngokuthi “Cape Joint”.

2004 – Kwenziwa ilogo entsha kraca ukuze amalungu akwazi ukwahlula ezi Ngxowa-mali zimbini.

2009 – Kwenziwa isigqibo sokuqhubeka nokulungisa “ukudideka” ngokususa igama elithi “joint”

nangokutshintsha igama lale Ngxowa-mali libe yiCape Retirement Fund. Amalungu amatsha angena

kwiNgxowa-mali ukususela ngeli xesha ebesazi iNgxowa-mali njengeCape Retirement Fun

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2013 – INgxowa-mali ingene kuzwelonke ifuna amalungu nooCeba kuwo onke amaphondo. Igama liye

latshintshwa laba yi-CRF for Local Government.

2015 – INgxowa-mali ngoku iselizweni lonke kwaye yaziwa ngokusemthethweni kwaye ibhaliswe

njengeConsolidated Retirement Fund for Local Government.

Olu tshintsho lukuchaphazela njani njengelungu?

Ngoku ulilungu lengxowa-mali yelizwe lonke eya iqina mihla le. Okukhona iNgxowa-mali inkulu,

kokukhona inamandla okuthenga kwaye ne-inshorensi yakho yomngcipheko isiba bhetele. Esi ibisesinye

sezizathu zokuphuculwa kweenzuzo kule minyaka mithathu idluleyo. Zonke izinto oziqhelileyo ziya

kuhlala zinjalo, kodwa ke njengesiqhelo sisoloko sizama ukuphucula. INgxowa-mali besiyibiza ngokuthi

yiCRF kule minyaka mibini idluleyo ibe loo nto kunye nelogo, ziza kuhlala zinjalo.

INgxowa-mali yakho inegama elahlukileyo kwaye ayinakubhidaniswa nezinye iiNgxowa-mali, ngoko

siyathemba ukuba amalungu amatsha namadala aya kuchazela wonke umntu ngaloo nto. SiyiNgxowa-

mali ethandwayo kooRhulumente Boomasipala kwaye sinika amalungu ethu yonke into ayidingayo

kumhlala-phantsi kwaye sijonge ekubeni sikhule kakhulu kwixesha elizayo.

Nali ithuba lokuphumelela ibhaso!

Unokuphumelela izinto zokuzifudumeza ebusika zeCRF, ngokusichazela nje igama elipheleleyo

nelichanekileyo leNgxowa-mali yakho. Kwakhona, sichazele iwebhusayithi entsha ne-adresi ye-imeyili

yeNgxowa-mali ukuze wandise amathuba akho. Yiya kwiphepha xxx ukuze ufumane iinkcukacha

ezingakumbi. Intluva – iimpendulo uza kuzifumana kule ncwadana yeendaba.

3. Kungeneka lula ibe nee-selfowuni ezine-intanethi ziyangena – Yiwebhusayithi yakho entsha ke

leyo!

Kuyasivuyisa ukunazisa ngokusungulwa kwewebhusayithi yethu entsha ethi www.crfund.co.za. Ekubeni

iyeyala maxesha kwaye kulula ukuyisebenzisa uya kukhawuleza ukufumana nayiphi inkcazelo

ngeNgxowa-mali.

INgxowa-mali yakho isoloko ikhangela iindlela ezintsha zokukunika inkcazelo ngayo. Ukuze ukwazi

ukungena lula kwiHub yakho yenkcazelo, iwebhusayithi yeCRF yenziwe yalula. Iphuculwe kwezi zinto

zilandelayo;

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Iifowuni Zingena Lula - unako ukufumana yonke inkcazelo yakho yengxowa-mali usendleleni

Inkcazelo yecandelo eliyintloko – ukuqiniseka ukuba ufumana iindaba zakutshanje ngengxowa-

mali

Ukungena lula – Fumana inkcazelo oyifunayo, ngelo xesha uyifuna ngalo

Nceda ungene kwiwebhusayithi ethi www.crfund.co.za uze usichazele ukuba ucinga ntoni. Nceda

uthumele amagqabaza akho kule adresi support@crfund.co.za.

4. Ukuba neminyaka engama-50 kwiNgxowa-mali kuneenzuzo zako – ebemninzi umntu kwiseshini

yethu namalungu kulo nyaka!

I-CRF iqhube iiwekshophu zeInvestment Portfolio yamalungu angaphezu kweminyak engama-50 ubudala

ngoMeyi. Ezi wekshophu ziqhutywa minyaka le kwaye amalungu aboniswa ukhetho analo lotyalo-mali

aze ancedwe acebele umhlala-phantsi. Amalungu aneminyaka engaphezu kwengama-50 athunyelelwe

ii-sms aza afowunelwa emenyelwa kwezi seshini. Ekugqibeleni kufike amalungu ali-1387 abezalise

indawo ebesidibene kuyo, ethatha inxaxheba kwimiboniso kwaye ebuza imibuzo. U-Efficient Wealth

(obekade enguVerso-IS) uhambe neqela leCRF ukuya kunceda amalungu xa ecebela umhlala-phantsi

nokuwacebisa ngeemali zawo xa kuyimfuneko.

Nazi ezinye zeempendulo zemibuzo esiyifumene kumalungu ethu abekho kwezi seshini, ukuba

uphosiwe.

Kutheni iNgxowa-mali inika amalungu angaphezu kweminyaka eyi-50 kuphela ii-Investment Portfolio

ezahlukeneyo?

Ukuze kukhuselwe imali ayongele umhlala-phantsi kwimingcipheko yeemarike ezingazinzanga njengoko

esondela ekuthatheni umhlala-phantsi, iBhodi yeTrasti iqalise ezinye iindlela zokutyala imali kumalungu

aneminyaka engama-50 ubudala nangaphezulu. Amalungu amadala anokukhetha ukuba afuna

ukuchanabeka kumngcipheko omngakanani na.

Uyazi njani eyona potfoliyo yotyalo-mali ikufaneleyo?

Kuxa kutheni apho ufanele ucinge ngokutyala imali kwiGrowth Portfolio?

Injongo yeGrowth Portfolio kukwandisa imali kangangoko kunokwenzeka kwixesha elide, kodwa

ayiqinisekanga kwixesha elifutshane. Le nto inokuba nemingcipheko kumhlala-phantsi xa kungekho

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mbuyekezo kuba uchanabeka lula kumngcipheko kwaye kungenzeka ungabi nexesha elaneleyo

lokuphinda ubuyelwe yimali yakho ebitshonile.

Kunini apho ufanele ucinge ngokutyala imali kwiModerate Portfolio?

Kule potfoliyo imbopheleleko yokwenza isigqibo sokwaba iiasethi iyasuswa ezandleni zakho isiwe

kwikomiti yotyalo-mali enyulwe yiBhodi yeTrasti. Le yipotfoliyo ebhetyebhetye elawulwa ngokweemeko

zeemarike nevumela ukwanda kwemali ngomlinganiselo ophakathi nomngcipheko ophakathi.

IModerate Portfolio iya kukufanela ukuba usondele ekuthatheni umhlala-phantsi (ukusuka kwiminyaka

engama-50) kwaye ungathanda uzinzo olungakumbi kwimbuyekezo yotyalo-mali.

Kunini apho ufanele ucinge ngokutyala imali kwiProtection Portfolio?

Indlela yokutyala imali yale potfoliyo ijongwa njengeqhobosheke kakhulu, kwaye iya kukufanela kunyaka

oza kuthatha ngawo umhlala-phantsi, kuba uza kube ufuna ukulondoloza imali. Injongo yale potfoliyo

kukukhusela imali oyongele umhlala-phantsi nokunciphisa imbuyekezo engentle kwixesha elifutshane.

Ngaba usafuna enye inkcazelo?

Nceda uye kwiwebhusayithi yethu ukuze ufunde okungakumbi ngeepotfoliyo ezifumanekayo kuwe xa

usiba neminyaka eyi-50 ubudala. Amalungu afanelekayo aya kufumana ifomu yokukhetha kunye neleta

echaza inkqubo emele ilandelwe neendlela zokutyala imali anokukhetha kuzo.

5. Ukufikelela usukelo olusemagqabini nangona ilixesha elinzima kwezotyalo-mali!

Injongo ye-Growth Portfolio kukufikelela umlinganiselo wokunyuka kwamaxabiso (olinganiswa nge-CPI)

+ 4% ngonyaka kwixesha elide emva kweemali ezitsalwayo neendleko. Ukuze lufikelelwe ngokuhamba

kwexesha olu sukelo, simele sizibeke esichengeni ngokutyala imali kwiiasethi ezinomngcipheko (okanye

ezingazinzanga) ezinjengezabelo zeli lizwe nezisehlabathini. Izabelo zinomngcipheko ongakumbi kuba

imbuyekezo yazo ayizi ngqo kuwe. Kwelinye icala, imbuyekezo inokuhla inyuka unyaka nonyaka

njengoko unokubona kule tshathi ilandelayo:

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Umthombo: S&A Research, Inet-Bridge

Le tshathi ingasentla imela imbuyekezo yeenyanga ezili-12 yezabelo zasekuhlaleni eboniswe ngombala

obomvu (ezimelwa yiAll Share Index) nezabelo zehlabathi eziboniswe ngombala oblowu (ezimelwa

yiMSCI World All-Country World Index). Ibonisa indlela ngawo nawuphi unyaka, imbuyekezo yeenyanga

ezili-12 zezabelo zasekuhlaleni ezinokunyuka ngayo zisuka kweli nani -37% ziye kuma-73% kwaye

imbuyekezo yeenyanga ezili-12 yezabelo zehlabathi inokusuka kweli nani -47% iye 52%. Usukelo lwe-CPI

+ 4% alutshintshi kangako kwaye luzinzile noko (umgca omnyama).

I-CRF iye yafumana imbuyekezko ephezulu – kutheni sisahleli kusukelo lwe-CPI+4%?

Ekubeni iGrowth Portfolio ityala imali kwiindidi zeeasethi ezininzi kuquka iibhondi nemali,

kunokwenzeka ukuba iGrowth Portfolio ize nembuyekezo ephakathi kwe-CPI – 14% ne-CPI + 20%

kwixesha elifutshane (nangawuphi unyaka). Isikhewu esikhulu sibangelwa kukungazinzi kwembuyekezo

evela kwiiasethi ezinomngcipheko ezinjengezabelo. Ekubeni itshintsha kangako imbuyekezo, amaLungu

eTrasti awanangxaki nokuhlala kusukelo oluyi-CPI + 4% kwixesha elide.

AmaLungu eTrasti awanangxaki nangosukelo olukhoyo ngoku kwimeko apho imbuyekezo isenokuba

phantsi. Le bhokisi ingezantsi ibonisa imbuyekezo yeeasethi eziphambili kule minyaka ilishumi idluleyo

xa kuthelekiswa neminyaka elishumi ezayo ngokutsho kweCoronation Fund Managers.

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Umthombo: Coronation Fund Managers

Ukuba uCoronation uchanile, ziindidi ezintathu zeeasethi kuphela eziya kukwazi ukuza neCPI + 4%

ngonyaka kule minyaka ilishumi izayo, ngamanye amazwi, zizabelo zeli lizwe, zizabelo zehlabathi kunye

neepropati zeli lizwe. Kodwa yonke loo nto ayiqinisekanga kuba imbuyekezo evela kwezi asethi

zinomngcipheko ayizinzanga, njengoko kuboniswe kwicandelo elingaphambili.

Ukuba besinokusebenzisa ulwabiwo lwangoku lweeasethi lweGrowth Portfolio kuqikelelo

lwembuyekezo olungasentla, le bhokisi ilandelayo ibonisa ukuba iGrowth Portfolio inokuza

nembuyekezo ephakathi kweCPI + 1.3% neCPI + 4.2% kule minyaka ilishumi izayo. Loo nto iya

kuxhomekeka ekubeni imbuyekezo yokoqobo ihlala ingatshintshanga kule minyaka ilishumi izayo

ngokoqikelelo luka Coronation. Ngenxa yoko ke, uCRF ukholelwa ukuba usukelo maluhlale lufanelekile.

Last 10 years (ZAR)

ended April 2015

Low

High

Local shares 19.90% 7% 10%

Global shares 14.80% 10% 13%

Local property 22.10% 7% 10%

Local bonds 8.60% 7% 9%

Global bonds 10.10% 5% 7%

Cash 7.60% 6% 8%

Inflation 6.10% 6% +

10 year forecast (ZAR)

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Umthombo: S&A Research

Ngaba usukelo lweCPI+4% lufanelekile?

Usukelo lweGrowth Portfolio lusafanelekile ngezizathu ezahlukeneyo. Ngoxa iGrowth Portfolio ize nento

engaphaya kweCPI + 9% ngonyaka kule minyaka ilishumi idluleyo ngenxa yembuyekezo ephezulu evela

kwiiasethi eziphambili, kuza kuba nzima ukuqhubeka sifika kusukelo lweCPI + 4% ngonyaka kule minyaka

ilishumi izayo. Siyakuqinisekisa ukuba uCRF uya kuhlala ezama ukuba silufikelele usukelo lwethu

ngaphandle kokuthatha imingcipheko engeyomfuneko ukuze sikhusele iimali zakho ixesha elide.

6. I-FAB! SIYE SAYIPHUCULA INZUZO YAKHO YOKUNCEDA INTSAPHO

Ngubani oneNzuzo Yokunceda Intsapho?

INzuzo Yokunceda Intsapho (FAB) yinkonzo anokuyifumana onke amalungu eCRF. Unokuqhagamshelana

noMomentum ngokuthe ngqo kwaye uza kukunceda wena nentsapho yakho xa nihlelwe zizinto

ezibuhlungu. .

Le nzuzo isungulwe ngoJulayi 2011 ukuze kuncedwe amalungu afelweyo ngezi nkonzo zilandelayo:

Ukugoduswa kwesidumbu, ukuqiniseka ukuba umfi ugoduswa ngendlela ekhuselekileyo ukuze

ayongcwatywa

Ukuncediswa ngomngcwabo, ukuncedwa ngamalungiselelo omngcwabo kamfi

Amacebiso ngezomthetho, anikelwa ngamagqwetha avunyiweyo

Iingcebiso kwabo bafelweyo, inkonzo yokuxhaswa nokucetyiswa ubuso ngobuso.

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Yintoni entsha ke kule nzuzo entle kangaka?

Ukususela ngoJulayi 1 2014 iFAB iye yaphuculwa ukuze iquke iZinto Ezixhwalekisayo (Trauma),

Ukubethwa Nokhuseleko KwiHIV kunye neenkonzo zonyango zongxamiseko.

Emva kokuba kwenzeke into ebenza baxhwaleke, abo baseleyo baye bafune lonke uncedo

abanokulufumana ukuze ubomi babo buphinde buqhubeke. Sikholelwa ukuba le nzuzo iphuculweyo iza

kuwanceda amalungu axhwalekileyo, enoba aye aphathwa ngogonyamelo okanye akunjalo, kuba aya

kulufowunela nje uncedo lonyango aze alufumane.

Ukuba ufuna inkcazelo engakumbi ngazo zonke iiFABenefits ezikhoyo, nceda ukhuphele (download)

incwadana kwiwebhusayithi yethu ethi www.crfund.co.za okanye uqhagamshelane neziko lethu

lonxibelelwano elinobuhlobo.

7. Ukuqhawula umtshato – qiniseka ukuba igqwetha lakho liyayazi into eyenza ukuba umyalelo

woqhawulo-mtshato wakho ube semthethweni kwiNgxowa-mali

Amabango oqhawulo-mtshato anokuba yinkathazo kuwo kwabo babandakanyekayo. Ukuze iNgxowa-

mali inamathele kumgaqo wayo “wokwahlukana kakuhle,” siye saqhuka uludwe lwezinto ezifunekayo

ezimele zijongwe ukuze kungabikho kulibaziseko okungeyomfuneko.

Into Uludwe olumele lujongwe Zimi

ngendlela

Umyalelo wokugqibela

woqhawulo-mtshato

Lo mmiselo umele ube nesitampu senkundla kwaye uchaze i-% okanye imali emele ihlawulwe iqabane elingelolungu

Qiniseka ukuba iNgxowa-mali ichazwa ngegama layo elichanileyo, umz. CRF for Local Government

Igama elithi inzala yepenshini liyacaciswa nguMthetho Woqhawulo-mtshato njengenzuzo ilungu eliya kuyifumana, ukuba liye laziyekela ukuba lilungu ngomhla woqhawulo-mtshato. Ukuze kuqinisekwe ukuba umyalelo woqhawulo-mtshato ucacile okanye uyalendeleleka,

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umyalelo wokugqibela woqhawulo-mtshato umele ube namagama athi “pension interest.”

Ngawaphi amaxwebhu aza

kufunwa yiNgxowa-mali ukuze

isebenze umyalelo wokugqibela

woqhawulo-mtshato?

Yikopi eqinisekisiweyo yomyalelo woqhawulo-mtshato onazo zonke izinto ezifunekayo kunye nesivumelwano sokuzinzisa izinto

Ziikopi eziqinisekisiweyo zeID yelungu neyalowo belitshate naye

Ziinkcukacha zoqhagamshelwano zabo bobabini

Sisiqinisekiso seenkcukacha zebhanki zalowo ebetshate nelungu

Ngumyalelo wokuhlawula ovela kwiqabane elingelolungu ochaza indlela inzuzo emele ihlawulwe ngayo

Yinombolo yerhafu yengeniso yeqabane elingelolungu

Yintoni umgaqo wokwahlukana kakuhle? – Uthetha ukuba iqabane elingelolungu liya kuba nelungelo

kwisabelo semali yePenshini emva kokuba kuqhawulwe umtshato.

INgxowa-mali iya kwazisa ilungu neqabane elingelolungu ukuba uMyalelo Woqhawulo-mtshato

awulandeleleki kwiNgxowa-mali. Xa kunjalo, kuya kufuneka bazenzele isivumelwano sabo kuba

iNgxowa-mali ayivunyelwa ngumthetho ukuba ihlawule imali kwiqabane elingelolungu ukuba uMyalelo

Woqhawulo-mtshato awunyanzelisi kwiNgxowa-mali.

8. Nali elona lungu linexesha elide kwiNgxowa-mali

Elona lungu linexesha elide, uMnu Bindeman wangena kwiNgxowa-mali ngowe-1969 xa wayeneminyaka

eli-18 ubudala kuphela ibe ngoku uneminyaka engaphezu kwengama-46 ekwingxowa-mali!

Siye samothusa ngezipho ezikhethekileyo zeCRF uMnu. Bindeman wesiXeko SaseKapa!

9. SIPHENDULA IMIBUZO YAKHO

Sifumana imibuzo enesihlahla evela kuni xa nize kwiiwekshopu zokufundisa amalungu okanye xa

niqhakamshelana neziko lonxibelelwano. Siye saquka eminye yale mibuzo ukuze namanye amalungu

ayibone:

Q: Kutheni ndingenakuboleka imali ngqo kwiNgxowa-mali? Yimali yam yomhlala-phantsi nje …

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A: UMthetho Weengxowa-mali Zepenshini wenza ulungiselelo olicacileyo lokuba imali inokubolekwa

lilungu kuphela xa liyifunela indawo yokuhlala. INgxowa-mali yakho ayivunyelwa ngumthetho ukuba

ibolekise ngemali ngayo nayiphi na enye injongo ngaphandle kweyendlu kwaye ukuba uyayibolekwa

imali yendlu, imele ihambisane noMthetho Wamatyala. KwiCRF unokusebenzisa ukuya kutsho kuma-

60% exabiso lengxowa-mali yakho njengesiqinisekiso semali oyibolekela indlu. Le mali ibolekwa

kwaFNB, kuba iNgxowa-mali yenze isivumelwano naye ukuze anikele le nkonzo. Nceda ukhumbule ke

ukuba, nangona unokukhangela ixabiso lemali yakho nyanga nganye, akunakukwazi ukuyifumana imali

yakho de uyeke ukuphangela kule ndawo uphangela kuyo. Qhakamshelana nedesika yoncedo ukuze

ubone izinto onokukwazi ukufumana.

Q: Kuzokwenzeko ntoni ukuba igalelo lam alihlawulwanga kwiNgxowa-mali ngumqeshi wam?

A: Xa unokusweleka, ukhubazeke okanye ube nesifo esoyikekayo, awuyi kuhlawulwa mali ya-

inshorensi kuba kaloku uza kube ungayihlawulanga i-inshorensi kwiNgxowa-mali. Sisabelo sakho

njengelungu oya kusihlawulwa.

I-inshorensi Yomngcwabo: Awuyi kuyifumana imali yomngcwabo.

Ukuziyekela, ukugxothwa nokuthatha umhlala-phantsi: Ibango lakho aliyi kusingathwa de igalelo lakho

lokugqibela lingene, nto leyo edala ukulibaziseka nokulahlekelwa yimbuyekezo yotyalo-mali.

Imali-mboleko Yendlu: Iintlawulo zemali oyibolekileyo yendlu azitsalwa kwigalelo lakho, kodwa ukuba

umqeshi wakho akazihlawuli nyanga nganye kwaFNB, iNgxowa-mali iza kufumana isicelo esivela

ebhankini sokuba ihlawule imali eseleyo, kunye nenzala. Loo nto iya kugqalwa njengokurhoxa

kwiNgxowa-mali kwaye iza kuza nemiphumo emibi kwirhafu nakumatyala akho. Kwaye awuyi

kuyifumana inzuzo yakho kwixesha elizayo.

U-CRF uza kukuthumelela ileta ekwazisayo ukuba igalelo lakho alifunyanwanga. Unokuyixela le nto

ngokuya kummeli wakho wemanyano ngoko nangoku uze uchaze ukuba igalelo lakho alihlawulwanga

kwiNgxowa-mali.

Q: Ngubani omele aphendule xa uMqeshi wam engalihlawuli igalelo lam kwiNgxowa-mali?

A: Utshintsho olwenziwe kumthetho luthi ngabantu abakuMasipala abaya kuphenduliswa ngegalelo

lenyanga eliya kwiCRF xa bengawulandeli umthetho.

Enkosi ngemibuzo yenu kwaye siyanicela ukuba nithumele nayiphi na imibuzo enento yokwenza

neNgxowa-mali kule adresi support@crfund.co.za kwaye icandelo leenkonzo zabathengi liya

kuyiphendula kwiiyure ezingama-48 liyifumene.

12

10. UKHUPHISWANO OLUKWIWEBHUSAYITHI -

Iphepha elingasemva: Ngenela ukhuphiswano lwethu; qashela ukuba u-C umela liphi igama ku-CRF

uze ube nethuba lokuphumelela izipho zokuzifudumeza zakwaCRF.

Sithumelele iMpendulo yakho ngaphambi kowesi-3 kuAgasti 2015:

Unokungenela ukhuphiswano kwiwebhusayithi yethu okanye uthumele amangeno akho ngeposi kule

adresi CRF, PO BOX 4740, Tygervalley, 7536

Igama Nefani

Inombolo Yengxowa-mali/Inombolo Yomsebenzi

UMasipala

Inombolo Yoqhakamshelwano

Imithetho Yokhuphiswano:

Amangeno amele abe sele efikile kwiNgxowa-mali ngowesi-3 kuAgasti ukuze ukwazi ukungena

kukhuphiswano.

Abalungenelayo bamele babe ngamalungu eCRF.

Kuya kwamkelwa ifomu yamangeno ibe nye kuphela kwilungu ngalinye.

Isigqibo sabagwebi asiyi kuphikiswa.

IBHODI YETRASTI: Mnu SA Mokweni (uSihlalo), Mnu AJ Smith (uSekela-sihlalo), Mnu JP Beukman, Nkskz HA Cawood, uCeba AP

Gqabi, uCeba IR Iversen, Mnu TA Loko, uCeba PJF Louw, uCeba C Meyer, Mnu AM Owen, Mnu ET Scott, Mnu WW van Gass,

Mnu JJ Wagner.

IGosa Eliyintloko: Mnu BW Shepherd