Die Nasionale Tesourie het twee besprekingsdokumente gepubliseer vir openbare kommentaar aangaande hervorming in die aftreefondsbedryf, en insette moet teen 31 Januarie gelewer word. <\/p>\n\n\n\n
Die eerste besprekingsdokument handel oor die instelling van \u2019n \u201ctwee-pot-stelsel\u201d waarin twee derdes van \u2019n lid se aftreekapitaal in die eerste pot vir aftrede bewaar moet word (dus verpligte bewaring) en in die tweede pot moet een derde van \u2019n lid se aftreekapitaal voor aftrede aan lede toeganklik gemaak word.<\/p>\n\n\n\n
Die nuwe stelsel sal heel waarskynlik slegs van \u2019n toekomstige datum (waarskynlik 2023) af op bydraes tot \u2019n aftreefonds van toepassing wees.<\/p>\n\n\n\n
Armoede tydens aftrede en afhanklikheid van die Staat se ouderdomspensioen (wat tans R1 890 per maand beloop vir mense 60 tot 75 en R1 910 per maand vir mense ouer as 75) is reeds \u2019n enorme probleem in Suid-Afrika. <\/p>\n\n\n\n
Skynbedankings het verlede jaar skerp toegeneem. Dit is waar werknemers bedank bloot om toegang tot hul aftreekapitaal te kry, net om dan \u2019n paar maande later heraangestel te word (dikwels by dieselfde werkgewer) en dan van voor af voordele vir aftrede op te bou. <\/p>\n\n\n\n
Hierdie soort optrede is nie toelaatbaar nie en die werkgewer sowel as die werknemer kan ernstige probleme van die Suid-Afrikaanse Inkomstediens af verwag.<\/p>\n\n\n\n
Covid-19 het duidelik gewys ons benodig waarskynlik \u2019n meer buigsame aftreestelsel omdat mense om verskeie redes nie genoeg spaargeld vir noodgevalle en\/of korttermyn-behoeftes het nie. <\/p>\n\n\n\n
Aan die ander kant wys die statistieke ook baie duidelik dat slegs \u2019n klein persentasie mense voldoende kapitaal vir hul aftrede spaar.<\/p>\n\n\n\n
Ek is dus geneig om die tesourie se voorstelle te steun, indien toeganklikheid verbeter kan word gepaardgaande met verpligte bewaring. Dit is ook reeds die geval in verskeie ander lande met meer progressiewe aftreestelsels.<\/p>\n\n\n\n
Tensy jy beplan om te emigreer (iets wat min van ons werklik doen), is die antwoord \u2019n gewisse \u201cja\u201d. Die hele gesprek rakende voorgeskrewe bates en die vrese van beleggers aangaande die veiligheid van hul aftreekapitaal as korrupsie nie hokgeslaan word nie, het waarskynlik meer as enigiets anders skade ten opsigte van beleggers se bydraes tot aftreefondse veroorsaak.<\/p>\n\n\n\n
Aftree-annu\u00efteite beskik egter oor verskeie unieke voordele wat deur spaarders benut kan word. Die aftrekbaarheid van bydraes, belastingvrye opbrengs binne die aftree-annu\u00efteit en gunstige hantering van enkelbedrae by aftrede is maar enkele voorbeelde.<\/p>\n\n\n\n
Iemand met \u2019n belastingkoers van 45% kan as \u2019n voorbeeld tot R350 000 per jaar tot aftreefondse bydra en \u2019n allemintige R157 500 as belastingaftrekking kry. Elke mens se berekening verskil, maar dit is een van die beste geleenthede wat deur kundige spaarders benut moet word. <\/p>\n\n\n\n
Die sperdatum vir bydraes in hierdie belastingjaar is 28 Februarie 2022.<\/p>\n\n\n\n
PSG gaan vanjaar klem plaas op aftreebeplanning en ons nuwe en bestaande kli\u00ebnte bystaan om hul aftrede sorgvuldig te beplan ten einde elkeen sodoende die beste kans te gee om \u2019n gelukkige en sorgvrye aftrede te geniet. <\/p>\n\n\n\n
Skakel ons gerus vir \u2019n gratis konsultasie..<\/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><\/p>\n","protected":false},"excerpt":{"rendered":" PSG 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