Jou testament is deel van jou finansi\u00eble plan om belangrike besluite oor mediese sorg uiteen te sit, vir wanneer jy nie in staat is om jou wense te kommunikeer nie.<\/p>\n\n\n\n
\n Wat is die gevolge as jy nie \u2019n geldige testament het nie?<\/b>\n<\/p>\n\n\n\n
Jy verbeur die geleentheid om te besluit wie moet erf.<\/p>\n\n\n\n
Jou boedel sal volgens die re\u00ebls van intestate erfopvolging verdeel word, wat geen waarborg bied dat jou bates volgens jou wense verdeel sal word nie.<\/p>\n\n\n\n
Indien jy nie getroud is nie, moet jy voorsiening maak vir jou lewensmaat. Boonop kan die intestate verdeling kapitaalwinsbelasting en boedelbelasting tot gevolg h\u00ea, wat vermy kon gewees het met \u2019n weldeurdagte testament. <\/p>\n\n\n\n
Suid-Afrikaners het die voorreg om \u2019n testament op te stel, en hoewel \u201ctesteervryheid\u201d (vryheid van erflating) nie onbeperk is nie, glo ons by PSG dat elke persoon ook die verantwoordelikheid het om \u2019n geldige testament te laat opstel.<\/p>\n\n\n\n
\n Waarom moet jy \u2019n geldige testament opstel?<\/b>\n<\/p>\n\n\n\n
Die opstel van \u2019n testament gaan oor die beheer van jou boedel en die versorging van diegene wat jy agterlaat. Deur \u2019n geldige testament in plek te kry, vermy jy onbedoelde gevolge n\u00e1 jou dood. Jy besluit hoe jou boedel verdeel moet word. As jy sonder \u2019n testament sterf, is daar geen waarborg dat jou wense uitgevoer sal word nie.<\/p>\n\n\n\n
Daarom is dit uiters belangrik dat dit korrek opgestel word en uitvoerbaar is sodat die eksekuteur van jou boedel weet wie jou bates moet erf. <\/p>\n\n\n\n
Dit is nie maklik om te praat oor en te beplan vir die dood nie. Dit kan intimiderend en ontstellend wees, maar dit is iets waaraan jy prioriteit moet gee ter wille van jou geliefdes. Die dood is onvermydelik, maar die wete dat jy \u2019n geldige testament in plek het, sal jou geliefdes gemoedsrus gee, want hulle sal \u2019n duidelike gids h\u00ea oor die hantering van jou bates n\u00e1 jou afsterwe.<\/p>\n\n\n\n
\u2019n Geldige testament hou ook baie ander voordele in. Een van die beste maniere om minderjarige kinders of bejaardes te beskerm, is deur \u2019n testament\u00eare trust. Hierdie trust tree eers in werking wanneer jy sterf en vorm deel van jou testament. Jy kan die trustees benoem wat jy wil aanstel om na die kinders of bejaardes se daaglikse behoeftes om te sien en hul geldsake te bestuur. \u2019n Testament kan ook volwasse kinders beskerm in die geval van egskeiding of insolvensie, mits die testament korrek opgestel is.<\/p>\n\n\n\n
Deur \u2019n eksekuteur in die testament te benoem, besluit jy wie verantwoordelik sal wees vir die administrasie van jou boedel en kan jy nou reeds \u2019n billike fooi onderhandel. Die Meester van die hooggeregshof besluit oor en stel die eksekuteur aan. Aangesien die eksekuteur die grootste rol speel in die administrasie van jou boedel, moet jy seker maak dat jy iemand benoem wat eerlik, betroubaar en georganiseerd is (nie noodwendig \u2019n familielid nie, gegewe die verskillende wette en re\u00ebls wat geld).<\/p>\n\n\n\n
\u2019n Geldige en uitvoerbare testament vorm ook deel van boedelbeplanning omdat dit moontlike kapitaalwinsbelasting en boedelbelasting kan beperk, maar dit is belangrik dat \u2019n testament so gou as moontlik opgestel en gereeld hersien word. <\/p>\n\n\n\n
\u2019n Geldige testament gee jou ook di\u00e9 geleentheid..<\/span> Jac van der Spuy, PSG Wealth Cecilia Square, jac@psg.co.za, Sel: 082 569 2300.<\/i><\/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. <\/i>\n<\/p>\n\n\n\n \n PSG Wealth Financial Planning (Pty) Ltd is \u2019n gemagtigde finansi\u00eblediensverskaffer (FDV 728).<\/i><\/p>\n","protected":false},"excerpt":{"rendered":" Jou testament is deel van jou finansi\u00eble plan om belangrike besluite oor mediese sorg uiteen te sit, vir wanneer jy nie in staat is om jou wense te kommunikeer nie.<\/p>\n","protected":false},"author":20,"featured_media":59323,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_linkdex":"","_yoast_wpseo_content_score":"","_yoast_wpseo_inclusive_language_score":"","_yoast_wpseo_is_cornerstone":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","newspack_ads_suppress_ads":false,"newspack_sponsor_sponsorship_scope":"","newspack_sponsor_native_byline_display":"inherit","newspack_sponsor_native_category_display":"inherit","newspack_sponsor_underwriter_style":"inherit","newspack_sponsor_underwriter_placement":"inherit","_crsspst_to_novanewscoza":false,"_crsspst_to_novanewscozabloemnewsexpress":false,"_crsspst_to_novanewscozacityvision":false,"_crsspst_to_novanewscozadistrictmailhelderberg":false,"_crsspst_to_novanewscozaeikestadnuus":false,"_crsspst_to_novanewscozahermanustimes":false,"_crsspst_to_novanewscozakomani-karoo":false,"_crsspst_to_novanewscozakougaexpress":false,"_crsspst_to_novanewscozamthathaexpress":false,"_crsspst_to_novanewscozanoordkaapbulletin":false,"_crsspst_to_novanewscozapeexpress":false,"_crsspst_to_novanewscozapeoplespost":false,"_crsspst_to_novanewscozaswartlandgazette":false,"_crsspst_to_novanewscozatygerburger":false,"_crsspst_to_novanewscozaudexpress":false,"_crsspst_to_novanewscozavistanews":false,"_crsspst_to_novanewscozavrystaatkroon":false,"_crsspst_to_novanewscozaweskusnuus":false,"_crsspst_to_novanewscozaweslander":false,"_crsspst_to_novanewscozaworcesterstandard":false,"_EventAllDay":"","_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":"","_EventShowMapLink":"","_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":"","_EventVenueID":"","_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":"","_VenueShowMapLink":"","_application":"","_batch_id":"","_company_name":"","_company_tagline":"","_company_twitter":"","_company_video":"","_company_website":"","_custom_id":"17df0f1b-2e0a-485d-8a23-6d64e658bcdc","_EventDuration":"","_EventOrigin":"","_EventTimezoneAbbr":"","_featured":"","_filled":"","_job_expires":"","_job_location":"","_media_credit":"","_media_credit_url":"","_menu_item_menu_item_parent":"","_menu_item_object":"","_menu_item_object_id":"","_menu_item_target":"","_menu_item_type":"","_menu_item_url":"","_menu_item_xfn":"","_navis_media_can_distribute":"","_navis_media_credit_org":"","_OrganizerOrigin":"","_provider":"","_pum_built_in":"","_pum_default_theme":"","_pum_form_conversion_count":"","_remote_id":"","_remote_name":"","_remote_position":"","_report_frequency":"","_report_reference_dates":"","_send_attempts":"","_site_id":"","_sitemap_exclude":"","_sitemap_frequency":"","_sitemap_priority":"","_source_url":"","_subscription_period":"","_subscription_period_interval":"","_subscription_price":"","_tec_slr_enabled":"","_tec_slr_layout":"","_template_type":"","_ticket_end_date":"","_ticket_start_date":"","_tribe_aggregator_allow_multiple_organizers":"","_tribe_aggregator_content_type":"","_tribe_aggregator_file":"","_tribe_aggregator_finalized":"","_tribe_aggregator_hash":"","_tribe_aggregator_import_id":"","_tribe_aggregator_import_name":"","_tribe_aggregator_interactive":"","_tribe_aggregator_origin":"","_tribe_aggregator_post_status":"","_tribe_aggregator_preview":"","_tribe_aggregator_source_name":"","_tribe_aggregator_type":"","_tribe_default_ticket_provider":"","_tribe_hide_attendees_list":"","_tribe_rsvp_for_event":"","_tribe_ticket_capacity":"","_tribe_ticket_header":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":"","_tribe_ticket_version":"","_type":"","_VenueOrigin":"","_wp_attachment_context":"","_wp_attachment_image_alt":"","_wp_font_face_file":"","_wp_old_date":"","_yoast_wpseo_estimated-reading-time-minutes":"","_yoast_wpseo_focuskeywords":"","_yoast_wpseo_focuskw_text_input":"","_yoast_wpseo_keywordsynonyms":"","_yoast_wpseo_primary_block-catalog":"","_yoast_wpseo_primary_category":"","_yoast_wpseo_primary_job_listing_type":"","_yoast_wpseo_primary_nova_retailer":"","_yoast_wpseo_primary_publication":"","_yoast_wpseo_primary_tribe_events_cat":"","_yoast_wpseo_videositemap-duration":"","_yoast_wpseo_videositemap-rating":"","_menu_item_classes":[],"_tribe_modified_fields":[],"_wp_attachment_backup_sizes":[],"_wp_suggested_priv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