Die doelwit van die meeste langtermyn-spaarders of afgetredenes wat van hul kapitaal leef, is die beskerming van hul koopkrag en kapitaal. Die geskiedenis het geleer dat \u2019n belegging in aandele oor die lang termyn die beste inflasiebestryder is. <\/p>\n\n\n\n
Die probleem is egter dat hierdie beleggingsdoelwitte teenstrydig is weens die sikliese aard van \u2019n belegging in aandele.<\/p>\n\n\n\n
Met finansi\u00eble markte wat tans op inflasie gefokus is, wonder baie beleggers wat hulle kan doen om hul kapitaal en koopkrag te beskerm. Ek kry dikwels hierdie twee vrae, en ook gereeld op dieselfde tydstip. Huidige marktoestande maak dit moeilik om jou kapitaal \u00e9n koopkrag ten volle te beskerm. Die oplossing is om op jou beleggingsdoelwit te fokus: kapitaalbehoud en\/of die beskerming van koopkrag? Struktureer dan jou portefeulje om jou beleggingsdoelwit te bereik in ooreenstemming met jou risikokapasiteit.<\/p>\n\n\n\n
\n Wat word hiermee bedoel?<\/b>\n<\/p>\n\n\n\n
Indien jou enigste doelwit kapitaalbehoud is, moet jy bloot in kontant of soortgelyke alternatiewe beleggings bel\u00ea. Daarenteen, as jou enigste doelwit die beskerming van langtermyn-koopkrag is, moet jy in \u2019n gediversifiseerde aandeleportefeulje bel\u00ea.<\/p>\n\n\n\n
Hoewel aandele histories getoon het dat dit \u2019n goeie inflasiebestrydende belegging oor die lang termyn is, is dit ongelukkig nie \u2019n goeie korttermyn-verskanser teen inflasie nie. <\/p>\n\n\n\n
Wanneer inflasie aan die styg is, soos ons nou in die ekonomiese herstelfase sien, gebeur dit dikwels dat aandele daal. Aan die begin van so \u2019n siklus lyk aandele dus op die oog af na \u2019n slegte idee. Dit is egter met verloop van tyd dat waarde ontsluit word.<\/p>\n\n\n\n
Ons adviseer baie afgetrede kli\u00ebnte wat van hul aftreekapitaal leef. Hul doelwitte n\u00e1 aftrede is \u2019n goeie voorbeeld van \u2019n balans tussen kapitaalbehoud en die beskerming van koopkrag. Vir die afgetredene is die prim\u00eare doelwit gewoonlik om \u2019n maandelikse inkomste te ontvang wat tred hou met inflasie. Terselfdertyd is die behoud van hul aftreekapitaal belangrik. <\/p>\n\n\n\n
Jy het dus \u2019n mate van stabiliteit nodig vir die voorsiening van inkomste oor die kort \/medium termyn (een tot vyf jaar). Hiervoor gebruik jy geldmark- en inkomstefondse, en laerisiko-beleggings. Om jou koopkrag oor die langer termyn (sewe jaar en meer) te beskerm, allokeer jy kapitaal na \u2019n aandelebelegging terwyl jy die blootstelling aan aandele in ooreenstemming met jou risikoprofiel hou. <\/p>\n\n\n\n
Hoewel die langtermyn-syfers van aandele teenoor inflasie histories oortuigend is, is dit steeds belangrik om tussen kort- en langtermynverpligtinge te onderskei.<\/span>.<\/span> Indien jy raad nodig het oor enige van die kwessies wat ek in hierdie rubriek bespreek, kontak my gerus: Emile J. van Rensburg by 072 634 2559 of per e-pos by Emile.jvRensburg@psg.co.za<\/i>.<\/span><\/span> <\/i>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.<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":" Die doelwit van die meeste langtermyn-spaarders of afgetredenes wat van hul kapitaal leef, is die beskerming van hul koopkrag en kapitaal. Die geskiedenis het geleer dat \u2019n belegging in aandele oor die lang termyn die beste inflasiebestryder 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