Wat gebeur met jou minderjarige kinders wanneer jy sterf?<\/p>\n\n\n\n
Dit is \u2019n uitkoms waaraan ek, as \u2019n ouer van twee minderjarige kinders, en ek glo alle ouers, nie graag wil dink nie. Tog is dit \u2019n realiteit en belangrik om daarvoor te beplan.<\/p>\n\n\n\n
Die volgende is van die belangrike stappe wat gedoen kan word om jou sake in orde te kry:<\/p>\n\n\n\n
1) Maak seker jy het \u2019n geldige testament waarin voogde vir jou kinders aangewys word. Hersien jou testament gereeld n\u00e1 groot lewensgebeurtenisse, soos die geboorte van \u2019n kind. Dit is ook goeie praktyk om twee oorspronklike afskrifte van jou testament te h\u00ea: een kopie wat jy op \u2019n veilige plek hou en waar dit maklik n\u00e1 jou dood gevind kan word, en die ander wat jy vir jou finansi\u00eble adviseur of prokureur vir veilige bewaring gee. Indien jy sonder \u2019n geldige testament sterf, word jou bates ingevolge die Wet op Intestate Erfreg vererf. Die gevolg kan wees dat bates aan ander erfgename vererf as wat verwag is. Die intestate beredderingsproses kan ook langer neem en tot bykomende koste lei.<\/p>\n\n\n\n
2) \u2019n Sleutelkomponent van jou testament is om \u2019n geregtelike voog te benoem. \u2019n Voog sal deur die hof aangestel word as daar nie \u2019n wetlike of biologiese voog (soos \u2019n ander ouer) is nie. Daar sal van di\u00e9 voog verwag word om alle ouerskapverantwoordelikhede oor te neem en, tensy \u2019n trust geskep is, enige bates wat die kinders ge\u00ebrf het te administreer totdat hulle 18 word. <\/p>\n\n\n\n
Indien bates aan minderjarige kinders sonder \u2019n geregtelike voog vererf word, bestaan die risiko dat die bates na die regering se Voogdyfonds oorgedra word, waar dit geadministreer sal word totdat die kinders 18 jaar oud is. Onderhoud vir jou kinders sal van hierdie fonds ge\u00ebis moet word, wat administratief intensief en tydrowend kan wees.<\/p>\n\n\n\n
3) Hou die begunstigdes van jou polisse op datum en maak seker dat jy die beperkings ten opsigte van vererwing aan minderjariges verstaan.<\/p>\n\n\n\n
4) Nog \u2019n manier om jou minderjarige kinders se belange te beskerm, is om in jou testament vir \u2019n trust voorsiening te maak. Hierdie trust staan bekend as \u2019n testament\u00eare trust en die trustees van hierdie trust sal jou bates tot voordeel van jou kinders administreer totdat hulle 18 jaar oud is, of \u2019n ouer ouderdom wat jy kan spesifiseer.<\/p>\n\n\n\n
Dit is dus van kardinale belang dat boedelbeplanning deel van jou holistiese finansi\u00eble beplanning uitmaak. Op di\u00e9 manier kan jy verseker dat jy genoegsame voorsiening vir jou geliefdes maak en verhoed dat potensieel katastrofiese gevolge op hulle wag. <\/p>\n\n\n\n
Gesels met jou finansi\u00eble raadgewer om seker te maak dat jou huis in orde is.<\/p>\n\n\n\n
*Lourens van Wyk is \u2019n gekwalifiseerde CA (SA) vir PSG Wealth Financial Planning; stuur e-pos aan hom by Lourens.vanWyk@psg.co.za<\/i>..<\/span> Die inligting in hierdie artikel is algemene inligting en die voorbeelde is slegs ter illustrasie. Dit is nie finansi\u00eble, belasting-, regs- of beleggingsadvies nie. Aangesien individuele behoeftes en risikoprofiele verskil, stel ons voor dat jy jou gekwalifiseerde finansi\u00eble raadgewer raadpleeg indien nodig. Geaffilieerdes van die PSG Konsult-groep is gemagtigde verskaffers van finansi\u00eble dienste. <\/b><\/p>\n","protected":false},"excerpt":{"rendered":" Wat gebeur met jou minderjarige kinders wanneer jy 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