{"id":55180,"date":"2023-03-31T06:00:55","date_gmt":"2023-03-31T04:00:55","guid":{"rendered":"https:\/\/novanews.co.za\/paarlpost\/hoe-groot-moet-jou-enkelbedrag-wees-20230329-2\/"},"modified":"2025-03-20T02:24:10","modified_gmt":"2025-03-20T00:24:10","slug":"hoe-groot-moet-jou-enkelbedrag-wees-20230329-2","status":"publish","type":"post","link":"https:\/\/novanews.co.za\/paarlpost\/hoe-groot-moet-jou-enkelbedrag-wees-20230329-2\/","title":{"rendered":"Hoe groot moet jou enkelbedrag wees?"},"content":{"rendered":"\n

In die pas afgelope begroting is die belastingskale vir enkelbedrae wat by aftrede geneem kan word, met 10% opwaarts aangepas.<\/p>\n\n\n\n

In die geval van aftrede of aflegging is dit nou as volg (die table hieronder dui die verhogings aan):<\/p>\n\n\n\n

In die geval van pensioen- en uittree-annu\u00efteitfondse is een derde van jou aftreefonds as \u2019n enkelbedrag beskikbaar wanneer jy uit die fonds tree. In die geval van voorsorgfondse is tot 100% van die geakkumuleerde bydrae tot 28 Februarie 2021 beskikbaar om as \u2019n enkelbedrag te neem. (Enkelbedrae beskikbaar uit voorsorgfondsbydraevoordele geakkumuleer vanaf 1 Maart 2021 word soos pensioenfondse hanteer.) <\/p>\n\n\n\n

Indien jy \u2019n enkelbedrag by aftrede wil neem, is die vraag hoe groot die bedrag moet wees, en spesifiek hoeveel meer as die belastingvrye gedeelte? Verskeie faktore sal die antwoord bepaal, waaronder:.<\/span> Hoeveel beloop jou marginale inkomstebelastingkoers n\u00e1 aftrede? (Die marginale koers is die koers waarteen addisionele inkomste belas word.).<\/span> Het jy uitstaande skuld wat vereffen moet word?.<\/span> Het jy ander kapitaalvoorsienings vir \u2019n noodfonds of toekomstige batevervanging?<\/p>\n\n\n\n

Met inagneming van jou algehele finansi\u00eble beplanning, sal jy in alle gevalle die belastingvrye gedeelte neem waaruit \u2019n belastingvrye inkomste verdien kan word teenoor \u2019n minimum inkomstebelastingkoers van 18% indien jy jou belastingdrempel oorskry. Jy verbruik dus 18% minder kapitaal om dieselfde netto bedrag te ontvang. Of jy meer moet neem, sal afhang van jou marginale belastingkoers. Indien dit byvoorbeeld 36% is, het dit sin om ten minste die gedeeltes wat teen 18% en 27% belasbaar is, ook te neem.<\/p>\n\n\n\n

Die goue re\u00ebl by aftrede is dat jy van jou skuld ontslae moet raak. Die motivering is dat jy dan gewaarborgde belastingvrye groei gelykstaande met jou leningskoers ontvang. In die geval van beskikbare eie kapitaal is die antwoord in die meeste gevalle eenvoudig \u2013 los die skuld af. Of jy egter \u2019n enkelbedrag, wat teen 36% belas gaan word, moet neem terwyl jou marginale belastingkoers slegs 18% beloop en jou leningskoers prima minus 2% is, is nie so voor die hand liggend nie. In hierdie geval sou dit waarskynlik beter wees om die termyn van die leningsooreenkoms te laat uitloop. <\/p>\n\n\n\n

Soos met so baie dinge in die lewe, is daar egter nie net een regte antwoord nie. Ek stel voor jy kontak \u2019n gelisensieerde finansi\u00eble beplanner om jou unieke situasie te ontleed en \u2019n aanbeveling te doen.<\/p>\n\n\n\n

Ten slotte net \u2019n waarskuwing: enkelbedrae wat uit aftreefondse geneem word, word kumulatief belas. Die verhoogde belastingvrye perk impliseer dus nie dat jy noodwendig vir \u2019n verdere belastingvrye bedrag kwalifiseer nie.<\/p>\n\n\n\n

\n Jac van der Spuy, CFP\u00ae<\/i>\n<\/p>\n\n\n\n

\n PSG Wealth<\/i>\n<\/p>\n\n\n\n

\n E-pos: jac@psg.co.za<\/i>\n<\/p>\n\n\n\n

\n Die inligting in hierdie artikel is algemene inligting. Dit is nie finansi\u00eble, belasting-, regs- of beleggingsadvies nie en die maatskappye in die PSG Konsult Groep waarborg nie die geskiktheid of potensi\u00eble waarde daarvan nie. Aangesien individuele behoeftes en risikoprofiele verskil, stel ons voor dat jy jou gekwalifiseerde finansi\u00eble adviseur raadpleeg indien nodig. PSG Wealth Financial Planning (Pty) Ltd is \u2019n gemagtigde finansi\u00eble diensverskaffer (FDV 728).<\/i>\n<\/p>\n\n\n\n

Belastingkoers (%)<\/td>Enkelbedrag-intervalle (R)<\/td><\/tr>
2022<\/td>2023<\/td><\/tr>
0<\/td>0 \u2013 500 000<\/td>0 \u2013 550 000<\/td><\/tr>
18<\/td>500 001 \u2013 700 000<\/td>550 001 \u2013 770 000<\/td><\/tr>
27<\/td>700 001 \u2013 1 050 000<\/td>770 001 \u2013 1 155 000<\/td><\/tr>
36<\/td>1 050 001 en meer<\/td>1 155 001 en meer<\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"

In die pas afgelope begroting is die belastingskale vir enkelbedrae wat by aftrede geneem kan word, met 10% opwaarts 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groot moet jou enkelbedrag wees? | Paarl Post<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/novanews.co.za\/paarlpost\/hoe-groot-moet-jou-enkelbedrag-wees-20230329-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hoe groot moet jou enkelbedrag wees?\" \/>\n<meta property=\"og:description\" content=\"In die pas afgelope begroting is die belastingskale vir enkelbedrae wat by aftrede geneem kan word, met 10% opwaarts aangepas.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/novanews.co.za\/paarlpost\/hoe-groot-moet-jou-enkelbedrag-wees-20230329-2\/\" \/>\n<meta property=\"og:site_name\" content=\"Paarl Post\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/paarlpost1\" \/>\n<meta property=\"article:published_time\" 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