Welvaart Verwagtinge vir 2024

Riaan Botha • March 18, 2024

Agtergrond


Die toekoms is onbekend en daarom bestee internasionale beleggingshuise groot bedrae geld om te voorspel wat in die toekoms op beleggingsmarkte gaan gebeur – sonder veel sukses. Om persoonlike welvaart in ‘n onseker wêreld te skep verg ‘n plan asook persoonlike dissipline. Die volgende persoonlike plan word voorgestel:

Persoonlike Plan


Elke leser leef in unieke persoonlike finansiële omstandighede in ‘n wêreld vol risiko’s. Die volgende plan kan in samewerking met jou Bovest welvaartbestuurder geimplimenteer word om te help om risiko’s te bestuur en gevolglik jou persoonlike welvaart te vermeerder:

  • Stel ‘n persoonlike maandelikse begroting op asook ‘n lys van jou bates en laste.
  • Doen jou belasting beplanning deur gebruik te maak van die toegewings wat die Suid Afrikaanse Inkomste Diens bied om minder belasting te betaal.
  • Diversifiseer jou welvaart deur in verskillende bate-klasse en in verskillende lande te belê.
  • Benut saamgestelde groei om jou belegging oor ‘n aantal jare eksponensieel te laat groei. Dit beteken dat indien jy R 1 miljoen belê en jy kry10% jaarlikse groei, is jou totale belegging R1.1 miljoen. Volgende jaar gaan jy beleggingsgroei op R1.1 miljoen verkry!
  • Doen aftree beplanning en belê ten minste 15% van jou jaarlikse inkomste in pensioen produkte.
  • Stel jou testament op en beplan jou nalatenskap vir jou geliefdes.

Beleggingsomgewing


Algemene verkiesings word hierdie jaar gehou in verskillende demokrasië wat as beleggings bestemmings vir van ons kliënte dien. Dit is veral plaaslik sowel as in die VSA waar politieke emosies moontlik beleggingsprestasies kan beinvloed. Die oorloë in Ukraine en die Midde-Ooste skrik moontlike beleggers in finansiële markte af en daar word eerder beleggings in meer stabiele beleggings intrumente soos goud gemaak. Die feit dat beleggings besluite rasioneel en nooit emosioneel geneem moet word, gaan veral in hierdie lande toepaslik wees.


Rentekoerse en inflasie speel ‘n belangrike rol in enige beleggingsbesluit. Die hoë inflasie in gevestigde ekonomië gedurende 2022 het die betrokke lande genoop om hul rentekoerse te verhoog. Die gevolg was dat die pryse veral in aandele gedaal het. Hierdie reeks verhogings van rentekoerse het die inflasiekoerse van die betrokke ekonomië verlaag en op 1 November 2023 het die Federale Bank in die VSA besluit om nie meer hul rentekoerse verder te verhoog nie. Die gevolg was dat aandele se pryse wêreldwyd verhoog het.


Daar kan verwag word dat wanneer rentekoerse werklik verlaag, die tendens van ‘n styging in die pryse van aandele gedurende 2024 sal voortduur. Hierdie tendens sal afhanklik wees van die voortgesette daling van die inflasiekoerse in die betrokke lande.

Samevatting


Die opmerking wat een van Bovest se ervare kliënte teenoor ‘n buitestaander gemaak het toe sy gevra is of sy finansieel kragtig genoeg is om op ouderdom 55 met pensioen te gaan, was haar antwoord dat sy “kan” omdat sy ‘n aantal jaar ‘n klient van Bovest is. Hierdie persoonlike ervaring bevestig dat te midde van ‘n onbekende toekoms, ‘n goeie welvaartsplan en persoonlike dissipline sukses behaal.




Dr Riaan Botha FSA™ D.Phil


Photo by Teuku Fadhil on Unsplash

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