Dalende portefeuljewaardes, ho\u00eb inflasie, resessie, stagflasie. <\/p>\n\n\n\n
Beleggers, en veral pensioentrekkers, beleef tans moeilike tye. Die risiko van foute met ernstige langtermyngevolge is tans ho\u00ebr as gewoonlik. Hier is drie foute wat pensioentrekkers soms maak, en hoe hulle dit kan vermy:<\/p>\n\n\n\n
\n Beleggersgedrag \u2013 moet nooit paniekerig raak nie<\/b>\n<\/p>\n\n\n\n
Paniek is \u2019n kragtige emosie wat jou in die moeilikheid sal laat beland indien jy toelaat dat dit jou beleggingsbesluite be\u00efnvloed. Paniek laat jou dink jy moet iets doen. Die spanning wat dalende portefeuljewaardes veroorsaak, bring mee dat beleggers hul beleggings op die slegste moontlike tyd in kontant omskep en in laerisiko-beleggings soos \u2019n geldmarkfonds bel\u00ea \u2013 met die gedagte om na die mark terug te keer wanneer dinge beter gaan. Wat ongelukkig dan gebeur, is wanneer die markte weer styg, sit die belegger op die kantlyn en wag vir die regte geleentheid om weer tot die mark toe te tree. Sodoende word die beste dae in die mark gemis en word tydelike verliese in permanente verliese omgeskep. Dit is dus uiters noodsaaklik dat enige aftree- en\/of beleggingsplan voorsiening maak vir kort-, medium- en langtermyn-behoeftes in pas met jou spesifieke risikoprofiel, sodat die bates met die hoogste volatiliteit, soos aandele, nie verkoop word wanneer markte daal nie. \u2019n Goeddeurdagte beleggingsplan, en \u2019n onttrekkingsplan in die geval van pensioentrekkers wat jou unieke omstandighede, vrese en wense weerspie\u00ebl, is noodsaaklik om hierdie fout te vermy.<\/p>\n\n\n\n
\n Volgorde van opbrengsrisiko<\/b>\n<\/p>\n\n\n\n
Mense wat \u2019n gereelde inkomste uit hul beleggingsportefeulje ontvang, moet veral op hierdie risiko let. Die volgorde waarin die opbrengste op \u2019n portefeulje ontvang word, het \u2019n groot invloed op hoe lank die belegger se kapitaal n\u00e1 aftrede sal hou. As \u2019n belegger in \u2019n lekker sterk bulmark (stygmark) aftree en in die eerste klompie jare n\u00e1 aftrede goeie opbrengste verdien, sal sy kapitaal baie langer hou as die ongelukkige belegger wat tydens \u2019n beermark (daalmark) aftree en vir die eerste klompie jare n\u00e1 aftrede verliese ly. Dit gebeur selfs al het die twee beleggers presies dieselfde gemiddelde opbrengs oor \u2019n tydperk ontvang en al onttrek hulle presies dieselfde bedrae. Die infasering van kapitaal na die beoogde langtermyn-portefeulje is \u2019n strategie wat kan help om hierdie risiko te bestuur.<\/p>\n\n\n\n
\n Inkomstebelasting en fooie<\/b>\n<\/p>\n\n\n\n
Ons vind te veel kli\u00ebnte benut steeds nie hul belastingbesparings behoorlik nie. Belasting wat vermy kan word, kan daartoe bydra dat beleggers \u2019n ho\u00ebr nabelaste opbrengs op hul portefeuljes verdien. Danksy die kumulatiewe effek van belastingbesparings kan beleggers se aftreekapitaal \u2019n jaar of twee langer hou. <\/p>\n\n\n\n
Dieselfde beginsel geld ten opsigte van die fooie wat betaal word. Vermy byvoorbeeld fondsbestuurders wat prestasiefooie hef. Maak seker jou beleggingsplatform hef \u2019n billike fooi en al jou beleggings word in ag geneem wanneer die fooi bereken word. Beding \u2019n redelike fooi met jou finansi\u00eble raadgewer. In moeilike tye, soos nou, moet al die partye saamwerk om jou kapitaal te beskerm. <\/p>\n\n\n\n
Ten slotte kan ek net s\u00ea: \u201cHou goeie moed, want n\u00e1 elke beermark volg \u2019n bulmark.\u201d.<\/span> Max van der Wath is \u2019n welvaartbestuurder by PSG Wealth Paarl. Kontak hom gerus by max@psg.co.za.<\/span> 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>. <\/p>\n","protected":false},"excerpt":{"rendered":" Dalende portefeuljewaardes, ho\u00eb inflasie, resessie, 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