Dit is weer daardie tyd van die jaar wanneer produkverskaffers en finansi\u00eble adviseurs (ja, ons ook) hul bes probeer om jou te oortuig om in uittree-annu\u00efteite en belastingvrye spaarplanne te bel\u00ea.<\/p>\n\n\n\n
Die voordele van \u2019n belastingvrye spaarplan is voor die hand liggend. Doen dit net \u2013 jy gaan nie spyt wees nie:.<\/span> Jy betaal geen belasting op rente-verdienste nie. .<\/span> Geen kapitaal\u00adwins\u00adbelasting is op groei betaalbaar nie. .<\/span> Jy kan enige tyd onttrek \u2013 met ander woorde, jou kapitaal is likied.<\/p>\n\n\n\n (Bydraes tot belastingvrye spaarplanne word tot R36 000 per jaar beperk met \u2019n lewenslange totale bydrae van R500 000.)<\/p>\n\n\n\n Bydraes tot uittree-annu\u00efteite verg \u2019n bietjie meer dinkwerk. <\/p>\n\n\n\n Die grootste voordeel is jy spaar met voorbelaste geld. <\/p>\n\n\n\n Indien jou marginale belastingkoers 40% beloop, \u201ckos\u201d dit jou net R600 om R1 000 te spaar. <\/p>\n\n\n\n Benewens die belastingbesparing, is geen inkomste- of kapitaalwinsbelasting in die portefeulje betaalbaar nie. <\/p>\n\n\n\n Bydraes tot aftreefondse kan van belasting afgetrek word. Aftrekkings word beperk tot 27,5% van jou verdienste met \u2019n maksimum van R350 000 per jaar.<\/p>\n\n\n\n Vir diegene met groot boedels is uittree-annu\u00efteite een van die instrumente wat gebruik kan word om jou boedel kleiner te maak, aangesien die opbrengs van uittree-annu\u00efteite buite jou boedel val. Die opbrengs is ook onmiddellik n\u00e1 jou dood vir begunstigdes (erfgename) beskikbaar. <\/p>\n\n\n\n Die beskikbaarheid van die opbrengs n\u00e1 dood is \u2019n gerusstellende voordeel vir langslewende gades aangesien die afhandeling van boedels deesdae dikwels 18 maande of langer neem.<\/p>\n\n\n\n Een van die argumente wat dikwels gebruik word om die dienlikheid van uittree-annu\u00efteite as besparingsmiddel te bevraagteken, is die vereiste dat uittree-annu\u00efteite aan Regulasie 28 van die Pensioenwet moet voldoen. Die regulasie stel \u2019n maksimumperk vir aandele- en buitelandse blootstelling. <\/p>\n\n\n\n Die beswaar was dat die groeipotensiaal van uittree-annu\u00efteite as gevolg hiervan vir aggressiewe beleggers beperk word.<\/p>\n\n\n\n Met die vorige begroting is die perk op buitelandse blootstelling egter van 30% tot 45% verhoog. Indien jou marginale koers 45% beloop en jy die belastingbesparing buitelands bel\u00ea, is dit met ander woorde nou moontlik om tot 90% van jou bydraes in die buiteland te bel\u00ea. <\/p>\n\n\n\n Die blootstelling aan aandele word steeds deur Regulasie 28 tot 75% beperk. <\/p>\n\n\n\n Indien jy weer eens jou besparing herbel\u00ea, is dit duidelik dat jy tot 100% blootstelling kan kry indien jou marginale koers 25% of ho\u00ebr is.<\/p>\n\n\n\n Is uittree-annu\u00efteite vir almal bedoel? Waarskynlik nie. Die opbrengs is eers vanaf ouderdom 55 beskikbaar. Die produk is dus gemik op aftrede en nie vir korttermynspaarbehoeftes bedoel nie. <\/p>\n\n\n\n Indien jy ouer as 55 is, is likiditeit nie \u2019n probleem nie. Jy het onmiddellik toegang tot die opbrengs. <\/p>\n\n\n\n Indien die waarde minder as R247 500 is, kan jy die volle waarde as \u2019n enkelbedrag neem. <\/p>\n\n\n\n Vir diegene ouer as 55 bied \u2019n uittree-annu\u00efteit dus \u2019n baie interessante geleentheid vir inkomstebelastingbeplanning.<\/p>\n\n\n\n Jac van der Spuy, CFP\u00ae<\/p>\n\n\n\n PSG Wealth<\/p>\n\n\n\n E-pos: jac@psg.co.za<\/p>\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). <\/p>\n","protected":false},"excerpt":{"rendered":" Dit is weer daardie tyd van die jaar wanneer produkverskaffers en finansi\u00eble adviseurs (ja, ons ook) hul bes probeer om jou te oortuig om in uittree-annu\u00efteite en belastingvrye spaarplanne te 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