Oveta ompe ya peNamfisa oonkondo dhanakupwe mokutonatela oopenzela

Oveta ompe yaNamibia yi na sha noshikondo shemona oya tegelwa yi ka ninge omalunduloko ga nkene iimaliwa yopenzela tayi ka longa, shoka sha eta omaipulo kombinga yankene omalunduluko ngaka tag aka guma aakulupe/ aapenzelwa.

Ontontwaveta tayi wilike iiputudhilo yemona osho wo eliko yo2021 (Financial Institutions and Markets Act, 2021 (Fima) oya eta po omilandu dha kindja dha nkene iimaliwa yopenzela tayi kapindikwa, tonatelwa osho wo okufutwa mo kooyene.

Fima okwa eta elunduluko okuza komufango omukulu kohi yoveta yi na sha noopenzela (Pension Funds Act yomumvo 1956), sheeta omukalo omupe okuza komatokolo taga ningwa kokangundumutima ka tulwa po, mokulundulukila komufango gwatonatelwa nawa nogwakankamekelwa ashike kohi yehangano lyokutonatela iiputudhiloo yopashimaliwa moNamibia o Namibia Financial Institutions Supervisory Authority (Namfisa).

Kohi yomufanog omukulu, oopenzela okwa li hadhi futwa shi ikwatelela koompango dhoshiketha, kokangundumutima osho wokomaalulo ga ningwa kaaniiniwe, moka Namfisa a kala ashike noshinakugwanithwa shokutonatela ngele okwa iyuthwa tuu komilandu dha tulwa po.

Iiketha yoopenzela okwa li yoyene hayi tokola nkene omauwanawa ga tya, nkene omauwanawa ge na okutopolwa nomikalo dha nkene oshimaliwa hashi gandja kaapenzelwa komvula shi na okugandjwa.

Moshito aapenzelwa oya kala yi ikwatelela komahangano omakwashilipaleki nokonkalo yeliko ndjoka tayi utha iiyemo yawo yopenzela moka iimaliwa yokomumvo hayi tokolwanokuuthwa kiiputudhilo yopashimaliwa peha omatokolo ngaka ga ningwe komutonateli.

Fima okwa pa Namfisa oonkondo a vule okutokola ngele iiketha yopenzela oyi li tuu pamuthika goshimaliwa gu li nawa ye wo a vule okwiidhopamo uuna inaa gwanenwa kongushu yeliko lyiiketha mbyoka.

Shika otashi gandja ompito ya shewa komutonateli opo a tale muule nkene iiketha mbika hayi ningi omayalulo gawo nokutala ngele oyi li tuu pamufango gu li nawa omanga inaa ku gwilwa muupyakadhi woshimaliwa.

Oshinima oshinene sha lundululwa osho shoka shokutala nkele omauwanawa gopenzela ga tulwa po nankene taga topolwa.

Oveta oya pa wo Namfisa oonkondo a tonatele nkene oonxo dhoshimaliwa dha likolwa kiiketha yoopenzela, etokolo li na sha niifuta yiipambuliko osho wo omauwanawa iifuta taga futwa iilyo yiiketha mbyo.

Shika otashi ti omutonateli ota vulu okutya ko sha kombinga ya nkene oompungulilo dhoopenzela tadhi topolwa komwedhi shoka tashi gandja efano lyiiyemo tayi kala tayi taambwa kwaamboka ye li mopenzela.

Oya eta po wo omauwanawa taga dhengele gokuhogolola mboka taa mono omauwanawa giimaliwa shoka tashi lalakanene okushunithapevi oontamanana dhi na sha nethigululo lyoshimaliwa shopenzela uuna oshilyo shoshiketha shopenzela sha mana oondjenda.

Etonatelo lya kwata miiti

Namfisa ota vulu okutula po omangambeko kiikwamaliko yoondondo dha yooloka, okutonatela omangeshefelo kondje yomafuta osho wo okupula omauthompango gopamuthika ge na sha nomapindiko.

Molwaashoka iiketha yoopenzela ohayi longo niimaliwa oyindji momapulongo gethimbo ele,omautho ngaka oga tula omutonateli pondingandinga yokuninga omatokolo ngoka taga gumu iizemo yoopenzela oho wo iinyangadhalwa yopaliko momumbwalangandjo.

Oveta wo ndjika oya eta po omikalo dha yooloka okugamena iilyo yiiketha yoopenzela. Iiketha mongaashingeyi otayi pulwa opo yi tule miilonga omikalo dhokukala mekwatathano niilyo yawo, yi kale nokugandja uuyelele kiilyo yawo, kaagandji yiilonga nokaagandji yooshali ethimbo nethimbo kokukawashilipalekwe kutya oonza dha pumbiwa otadhi vulu okumonika nuupu itaa pu pumbwa ofuto ya sha.

Shikwawo, iiketha yopenzela oyi na okukala nokutseyithila Namfisa osho wo iilyo yawo uuna omugandji gwiilonga a ndopa okufuta iifuta yokomwedhi sha pitilila ethimbo ndyoka lya tulwa a tegelelwa a fute, omukalo ngoka tagu tala unene komashongo ngoka haga kala momilandu dha tulwa po.

Oveta wo oya gandja ompito komutonateli a tale omapuko haga holoka uuna omuntu a zi miilonga kuyele nenge poofuto dhopenzela, mwa kwa telwa oshimaliwa shokomumvo, okukwashilipaleka kutya omauwanawa goopenzela oge li melandulathano lyokolela tali kaleke po egameno lyoshimaliwa uule thimbo.

Natango tuu oveta otayi gandja ompito opo pu kale oompango dha yela uuna omuntu ta lunduluka okuza koshikthe shmwe tayi koshikwawo, ta mbwinda oopenzela mumwe nenge ta gwedhele iimaliwa ye yopenzela.

Omufango omupe, iinima iipe inaa yi yela nawa

Omanga omfango omupe gwa kondopaleke pwaa kale omapuko, ogwa eta wo oshinima oshinene sha nkene oopenzela tadhi ka yalulwa nokukafutwa.

Kohi yomufango omukulu, iizemo yopenzela okwa li yi ikankamekelwa keinyengo lyeliko, moka iifuta yokomumvo osho wo omauwanawa galwe haga uthwa kiiketha nokaakwashilipaleki.

Ihe kohi yoFima, iifuta otayi uthwa koondondo dhetonatelo, nkene oshiketha sha thikama po paliko, omauthompango gopaipindi nosho wo omaukwatya giifuta yokomumvo, shoka sha eta omaipulo omanene kaapenzelwa mboka tashi vulika ya ka kale nuupyakadhi wokuuvako nkene iiyemo yawo ya yalulwa.

Nonande pwa tulwa omautho gaayihe yi kale puuyelele, aanawino moshikondo shika otaa ti omayalulo nomifango dhiifuta otadhi ke shi ninga oshidhigu kaapenzelwa ya landule nenge ya yalule omauwanawa gawo.

Nonando pwa tulwa omauthompango omape, iifuta yaagandji yiilonga mbyoka hayi kala inaa yi futwa oya tula moshiponga oompungulilo dhoopenzela. Omganga oveta ya eta po omilandu dhokugandja uuyelele osho wo dhokugamena iilyo, okutala ngele mbika otayi ka longa tuu moshili otashi ikwatelele ketulomiilonga lyoveta.

Moompito moka iifuta yaaniilonga inaa yi futwa pamulandu, shika otaye ke shi dhimbulula ashike konima yomimvo dhontumba notashi vulika ta ku ka kala kwa toka uuna taku ka kambadhalwa kulikolwe oofumvikila dhoka dha kana.

Elunduluko okuza koveta yoPension Funds Act nokulundulukila koFima otashi ulike elunduluko enene mewiliko lyopenzela. Monale, omifango dha li po odha li ashike dhi ikwatelela komatolo taga ningwa koohandimwe ano, kokangundumutima osho wo kunkene iizemo yeinyengo lyeliko yi li.

Oveta ompe oya tula kumwe omauthompango kohi yaNamfsa, ngoka a pewa oonkondo dha gwedhwa po miipambele yoopenzela, omakwashilipaleko, iipindi yopashimaliwa osho wo oonkondo dhokukala omutonateli goshikondo shika.