Finansiële Emigrasie: Testamente en intestaat vererwing met emigrasie

Wanneer jy na Australië verhuis sal jy vind dat alles is dieselfde, net heeltemal anders . . . Ons weet almal hoe verskillend Engels geinterpreteer kan word: “traffic light” in plaas van “robot”, ‘n “bakkie” word ‘n “ute” genoem, ens. Boedelbeplanning is nie ‘n uitsondering nie, en soos die ou gesegde lui :”die enigste ding waarvan jy seker kan wees is die dood en belasting”. Jou testament is die beste manier om te verseker dat jou wense uitgevoer sal word in die geval van dood. ‘n Bestaande Suid-Afrikaanse testament sal heel waarskynlik nie geldig wees in Australië vir die afhandeling van jou boedel nie.

Indien ‘n persoon bates in Australië  besit en sonder ‘n geldige testament tot sterwe kom, sal sy boedel as intestaat beskou word. Die afgestorwe persoon se bates sal dan streng volgens statutêre reëls hanteer word; in sommige gevalle, in die afwesigheid van naasbestaandes, kan dit ‘n onbeplande en onbedoelde geskenk aan die Staat tot gevolg hê.  In die lig van die intestaat opvolgings reëls, sal die Staat ‘n administrateur aanstel om die bestorwe boedel te administreer en af te handel.  Die resultaat kan natuurlik dan wees dat die persoon wat in daardie rol aangestel is, die bates verdeel sonder dat dit 
noodwendig ooreenstem met die wense van
die afgestorwene.

Intestate afsterwe se praktiese uitvoering beteken dat, indien die afgestorwe persoon ‘n gade en kinders sou nalaat, die gade geregtig is op die eerste $100 000 uit die boedel, terwyl die restant dan gelykop verdeel sal word, 50% aan die gade en 50% aan die kinders. In die geval van minderjarige kinders (jonger as 18 jaar), sal hulle gedeelte deur die Publieke Trustee gehou word totdat hulle die ouderdom van 18 jaar bereik.

‘n Eenvoudige oplossing om jou risiko te verminder om intestaat te sterf, is om jou eie testament op te stel of ‘n standaard testament te koop in die vorm van ‘n “will kit” – veral as dit eenvoudig is in terme van beide die bates sowel as die begunstigdes. Ons beveel egter ten sterkste aan dat jy gebruik sal maak van ‘n regspersoon in hierdie verband.

Dit is uiters belangrik om te verstaan dat mense se omstandighede en wense verskil en jy moet veral ekstra versigtig wees indien jy geemigreer het met minderjarige kinders.

‘n Volledige testament in Australië moet veral die volgende drie aspekte aanspreek:

• Maak jou wense duidelik met betrekking tot jou bates in die geval van jou dood,
• Die aanwysing van ‘n Voog – ‘n Persoon wat deur jou aangestel word om jou minderjarige kinders se sake te behartig. Jy kan enige spesifieke faktore wat jy graag wil hê hierdie voogde in gedagte moet hou in die opvoeding en grootmaak van jou kinders  in ‘n aparte Memorandum van Wense stipuleer.
• Jou lewende testament bemagtig ‘n persoon om namens jou te handel indien jy ongeskik daartoe verklaar sou word (gewoonlik onverwags en baie jare voor jou dood)

In die meeste gevalle sal slegs jou bates in Suid-Afrika onderworpe wees aan boedelbelasting, ongeag jou residensie status. Sodra jou belasting emigrasie geaktiveer is sal jou buitelandse bates vrygestel wees van boedelbelasting, d.i. jou bates bv in  Australië .
Alhoewel boedelbelasting in Australië nie van toepassing is nie, moet kapitaalwins belasting egter in ag geneem word in jou boedelbeplanning.

Dit is dus uiters noodsaaklik om jou belasbare Suid-Afrikaanse boedel te skei van jou nie-Suid-Afrikaanse boedel (vrygestel van boedelbelasting). ‘n Geldige Suid-Afrikaanse testament kan jou erfgename beskerm teen ‘n lang en omslagtige proses om die Meester van die Hooggeregshof (in Suid-Afrika) te oorreed om nie net ‘n gesertifiseerde afskrif van jou Australiaanse testament te aanvaar nie, maar ook jou Australiaanse eksekuteur.

Die Meester mag die Australiaans aangestelde eksekuteur aanvaar sonder om die normale prosedures te volg, op voorwaarde dat die afgestorwe persoon nie in Suid-Afrika woonagtig was nie en dat daar nie in sy/haar boedel Suid-Afrikaanse vaste eiendom ingesluit is nie. Die buitelandse eksekuteur is verantwoordelik (soos in alle gevalle) om ‘n finale belasting opgawe en boedelbelasting opgawe in te dien.

‘n Uittredings annuiteit in Suid-Afrika vorm nie gewoonlik deel van jou wense in jou testament nie. In sekere gevalle kan die trustees van die betrokke fonds besluit oor die begunstigdes en moontlik selfs  jou wense verontagsaam , veral indien jy getroud is en in die geval van minderjarige kinders. Soos in ‘n vorige uitgawe bespreek, beveel ons sterk aan dat alle eks Suid-Afrikaners navraag behoort te doen en uit te vind of hulle nog uittredings annuiteite in Suid-Afrika het. Vir verskeie redes mag dit tot jou voordeel wees om hierdie fondse te onttrek en oor te plaas na Australië .  Jy het nie nodig om  aftree ouderdom (55 jaar en ouer) te bereik nie, verder benodig jy ook nie permanente verblyfsreg of burgerskap in Australië  nie.

Jou testament (beide in Australië en/of Suid-Afrika) behoort gereeld hersien te word en op datum gebring word om jou veranderde omstandighede in ag te neem. Jou testament is seker die belangrikste regsdokument wat die gemiddelde persoon ooit kan teken.Sonder een sal die hof  - en nie jy nie – besluit wat gebeur met jou bates.  Hulle kan selfs besluit wat gebeur met jou kinders.

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Financial emigration: Wills and intestate succession when you emigrate

When you move to Australia everything is the same, just totally different . . . We all know how different English can be interpreted; traffic light instead of robot, “ute” instead of “bakkie”, etc.

Estate planning is no different situation, as the old saying goes, the only thing that you can be sure of, is death and taxes . . . Your will is the best way to ensure that your wishes will be carried out with regards to the distribution of your assets following your death. 

An existing will in South Africa may not be valid in Australia for the purpose of winding up a deceased estate. 

If a person own assets in Australia and dies without an Australian will, the deceased estate will be deemed to be intestate.The deceased’s property will then be dealt with in strict accordance with certain statutory rules; in some cases, in the absence of relatives may through inertia create an unplanned and unintended gift to the State government. In lieu of an intestate succession rules, the State appoints an administrator whom is tasked to wind up the deceased estate. It follows that the person who is appointed in that role and the actual distribution may thus not reflect the deceased’s true wishes.

Intestate succession practically means that if a deceased had a spouse and children, the spouse would be entitled to the first $100,000 from the estate and the remainder of the estate would be divided equally, 50% to the spouse and 50%to the children.In a case where the children are minors (under 18 years) their share would need to be kept by the Public Trustee until they reach the age of 18.

A simple solution to mitigate the risk of dying intestate is to draw up your own will or using a standard form purchased from a stationer found in a will kit – especially if the estate is simple in terms of both assets and beneficiaries.However, we strongly suggest that you use the services of a solicitor in this regard.

It is important to understand that people’s circumstances and wishes differ and special care should be taken if you have emigrated and you have minor children. 

In Australia a proper will consist of at least three elements/documents that need proper consideration: 

• Making your wishes clear with regards to your assets in the event of your death, 
• Appointment of a Guardian - A person appointed by you to care and manage the affairs of your minor children. You can outline any specific factors you wish your guardians to consider in raising your children in a separate Memorandum of wishes.
• Your living will/ enduring power of attorney - empowering someone to act on your behalf if you should become incapacitated (possibly unexpected and/or many years before actual death)

In most instances only South African based assets will be subject to estate duty in South Africa.  Those of us who are still “resident” in South Africa (i.e. not formally emigrated) will therefor be liable for estate duty on all assets, including foreign held assets. 

Although estate duties were mainly abolished in Australia, CGT in Australia must be taken in consideration when you do your estate planning.

Preparing a South African will could go a far way to separate your dutiable South African estate from your non-South African estate (exempt from South African estate duty). Having a South African will could protect your legatees against a long and cumbersome process to have the Master of the High Court (in South Africa) accepting not only the certified copy of the Australian will but also the acceptance of the Australian executor.

The Master may accept the Australian appointed executor without following the normal procedures, on condition the deceased did not reside in South Africa and the estate does not include immovable South African properties.  The foreign executor will (as in all cases) be called upon to file a final tax return and estate duty tax return. 

A retirement annuity in South Africa does not usually form part of the wishes in your will.The trustees of the fund can override your wishes, especially if you are married and in the case of minor children. As discussed in previous issues, I urge all ex South Africans to check if you have retirement annuities left in South Africa, as well as the values thereof.  It might be to your benefit to cash in these retirement annuities and transfer the money to Australia.  You don’t need to be at retirement age (55 or older), nor do you need permanent residence or citizenship in Australia.

Your will (both in Australia and/ or in South Africa) should be reviewed from time to time, and brought up to date if necessary, in order to reflect changed circumstances.Your will is perhaps the most important legal document the average person will ever sign. Without one, the courts – and not you – decide what happens to your assets. They can even decide what happen to your children.

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Tax-free transfer of residential properties from a company or trust in South Africa – the clock is ticking…..

Your tax accountant in your newly adopted country was horrified to learn about the house/ property owned by your South African trust? It gets even more complicated if the property is registered in a close corporation (CC)/ company which is owned by that trust.

Have you been stung by the not-so-friendly double tax agreements, which allow you to be taxed on the rental income in two countries but denies you any tax credit?

Historically, some individuals acquired their residence in a company, CC or trust, primarily to avoid transfer duty and ultimately, one day, estate duty. You now live in a new country where estate duty is much less of a concern and the current layered corporate structure in South Africa is now probably no longer worth retaining.

Worst is, from an international tax point of view, you probably regret having set up the South African trust structure which in the current property market globally, does not really allow you to sell off and unwind this now seemingly inappropriate structure.

With recent developments in South Africa and the introduction of new corporate rules, the former close corporation is now treated very much like a private company held by closely linked individuals. The question is, do you convert the CC, close the trust or just leave all as is?

A concession has been enacted by the South African Revenue Services that allows for the tax-free transfer of a residence from a company or trust into the hands of shareholders or beneficiaries of the company or trust who are natural persons. Where the concession applies, the transfer is free from CGT, dividend tax and transfer duty. The entity or entities (in a multi-tier structure) out of which the residence is transferred must however be revoked, de-registered or liquidated.

The main requirements for the application of the concession are that the residence must be:

• mainly used for domestic purposes during the period from 11 February 2009 to the date of disposal;
• by one or more natural persons  who are connected persons in relation to the company or trust  that owns the residence:
• in simple English: a shareholder holding of 20% or more of the shares in a company is a connected person in relation to the company;
• any member of a CC is a connected person in relation to a CC;
• any beneficiary of a trust is a connected person in relation to the trust; and
• where a CC is trust owned, a connected party to the trust is a connected party to the CC yet not always a connected party to all companies owned by the trust. To be connected to a company the trust beneficiary should effectively be a 20% indirect shareholder of the company, once the trust layer is ignored.
• the residence must be disposed of on or before 31 December 2012

South Africans living abroad should understand that they need to obtain advice from a tax specialist, an attorney or other registered advisor to understand not only the benefits, but also to ensure that they truly meet the requirements for the relief, prior to them incurring any professional fees. It is also advised that you properly understand both the South African tax implications and exchange control requirements as well as the relevant tax position in your newly adopted country.

In terms of South African tax law, the qualifying connected member/shareholder/beneficiary or transferee, effectively "takes over" the property at the original base cost of the residence. In this case it is either the 2001 valuation price, or the time apportioned base cost plus the cost of improvements and the associate cost of disposal, be it a fresh valuation or cost to sub-divide.

There are many pitfalls that one should however consider, such as donations tax, the fact that you are a tax non-resident and CGT withholding taxes may apply to property held in your personal name.

The lawyers’ fees or conveyance and mortgage cancellation and registration fees remains due and payable at the current market value. The existing mortgage bond may be passed on, yet it is important that approval of the bond in the name of the new owner’s name be approved prior to 31 December 2012 as the transaction or agreement needs to final and binding by 31 December 2012.

What do you do should you be interested to explore this opportunity? Contact us at www.cashkows.com or send us an email to taxinfo@cashkows.com.

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Maximize your 401k in USA by using your South African funds

If you have settled in the USA and hope to get your 401k or any other defined contribution plan on track for retirement there is a new route that has opened to you. The maximum contribution on 401k for 2012 is $17,000, or $22,500 if you're 50 or older. At the current exchange rate of 8.3 this is about R141,000 or R186,750 that you could invest in America, not be exposed to currency or political risk in the future, and get the tax refund. Thus the refund in on your US pension investment can recoup most if not all tax and fees paid in SA.

If you have funds tied up in retirement annuities in South Africa, an amendment to the Income Tax Act in 2008 now makes it possible to withdraw the value in full, before retirement age. This requires that your emigrant status to be recorded with the South African Reserve Bank. When recording such status you do not relinquish your South African citizenship and can retain your South African passport.

You will also require an active up-to-date tax record, various tax clearances and directives from SARS, a blocked rand bank account with an authorised dealer in South Africa, policy surrender paperwork and certain specific documents from your local tax authorities.

Blocked rand account: this is the vehicle via which all capital transfers out of South Africa must flow for exchange control purposes, once your emigrant status has been recorded with the Reserve Bank. Acquiring such status will allow you to utilise emigration allowances which are currently R4 000 000 for an individual and R8 000 000 for a family unit. Higher amounts can be withdrawn with additional permission fro the SARB. As an emigrant you may also surrender retirement annuities and transfer the proceeds to your bank account in Canada.

Inheritance from South Africa

If you live overseas and are likely to be the beneficiary of an inheritance consideryour status from the perspective of the South African authorities, given the potential impact of exchange control regulations. Without some advance planning there is a risk that payments due to you from an inheritance cannot be effected without making retrospective application to the Reserve Bank.

If you have formally emigrated from South Africa:

In regard to inheritances (i.e. legacies and distributions from estates in South Africa) accruing to each non-resident or emigrant beneficiary:

·         The first amount of R500 000 is freely remittable

·         The balance may be remitted upon application to the Reserve Bank, which is   
           straightforward process

If the beneficiary of an inheritance is an emigrant, it is important to note that such inheritance may only be remitted offshore if the date of their emigration precedes the date of death of the individual concerned.

So don’t delay.  Get your financial affairs in order in South Africa, maximize your retirement planning and rest easy that your inheritance will reach you there.

For more information regarding Global Financial Migration contact Lizette at the North American Division of cashkows.com. Our website www.cashkows.com or email lizette@cashkows.com. 

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Maximize your Canadian RRSP by using your South African funds

If you have settled in Canada and hope to get your RRSP on track for retirement there is a new route that has opened to you. The maximum RRSP contribution limit 2012 is $22,970. At the current exchange rate of 8.3 this is about R190,650 that you could invest in Canada, not be exposed to currency or political risk in the future, and get the tax refund in Canada. Thus the refund in Canada can recoup most if not all tax and fees paid in SA.

If you have funds tied up in retirement annuities in South Africa, an amendment to the Income Tax Act in 2008 now makes it possible to withdraw the value in full, before retirement age. This requires that your emigrant status to be recorded with the South African Reserve Bank. When recording such status you do not relinquish your South African citizenship and can retain your South African passport.

You will also require an active up-to-date tax record, various tax clearances and directives from SARS, a blocked rand bank account with an authorised dealer in South Africa, policy surrender paperwork and certain specific documents from your local tax authorities.

Blocked rand account: this is the vehicle via which all capital transfers out of South Africa must flow for exchange control purposes, once your emigrant status has been recorded with  theReserve Bank. Acquiring such status will allow you to utilise emigration allowances which are currently R4 000 000 for an individual and R8 000 000 for a family unit. Higher amounts can be withdrawn with additional permission fro the SARB. As an emigrant you may also surrender retirement annuities and transfer the proceeds to your bank account in Canada.

Inheritance from South Africa

If you live overseas and are likely to be the beneficiary of an inheritance consider your status from the perspective of the South African authorities, given the potential impact of exchange control regulations. Without some advance planning there is a risk that payments due to you from an inheritance cannot be effected without making retrospective application to the Reserve Bank.

If you have formally emigrated from South Africa:

In regard to inheritances (i.e. legacies and distributions from estates in South Africa) accruing to each non-resident or emigrant beneficiary:

• ·   The first amount of R500 000 is freely remittable
• ·   The balance may be remitted upon application to the Reserve Bank, which is straightforward process

If the beneficiary of an inheritance is an emigrant, it is important to note that such inheritance may only be remitted offshore if the date of their emigration precedes the date of death of the individual concerned.

So don’t delay.  Get your financial affairs in order in South Africa, maximize your retirement planning and rest easy that your inheritance will reach you there.

For more information regarding Global Financial Migration contact Lizette at the Canadian Division of cashkows.com. Our website www.cashkows.com or email Canada@cashkows.com. 

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Financial emigration

(A recent article in Merise Magazine in Australia)

To emigrate doesn’t mean you lose your citizenship- it means you give formal notice to the South African government that you are no longer liable to pay tax.

There are many South Africans currently living abroad who are blissfully unaware that they left behind an investment or two, and that this money is legally owed to them. Are you one of these lucky fishes?

Back in the day, there was a magazine column called: Vra maar, Anna Malan sal help ( Just ask, Anna Malan will help). Well, I’m not her, but in the next few issues of Merise I will help you find out if you are one of those fortunate souls that have a little nest egg tucked away, long since forgotten but ready to hatch and call you ‘mommy’. I will also explain what you can do to incur the least possible expenses, to minimise taxes or how to avoid unnecessary risks.

Did you know that you can terminate and cash out your South African retirement annuity before the age of 55? Do you have a paid-up annuity that has actually become liquid? Few people are aware that the South African legislation changed in 2008, allowing you to benefit from your annuity investments sooner than you could before.

Most immigrants are somewhat sceptical about formally emigrating, but this is simply due to ignorance. To emigrate doesn’t mean you lose your citizenship – it means you give formal notice to the South African government that you are no longer liable to pay tax. And really, who wants to incur taxes in two countries?

There are several good reasons why you should officially emigrate. Before you take the plunge, ensure you get sound professional advice pertaining to your specific financial situation, for example:

Inheritance: This  is a source of income you don’t really look forward to or depend upon, as it has to do with the loss of loved ones. However, it does make sense to get clarity on your tax status in order to avoid the unpleasant reality of estate tax and administration fees, never mind the annoyance of the inevitable exchange rates and bureaucratic red tape! It is crucial that you get your affairs in order as soon as possible to avoid the possibility of a ‘frozen’ inheritance and unnecessary tax liability.

Inheritance planning is a bird of another feather entirely- for both the testator as well as the beneficiaries living outside the country’s’ borders. This is a discipline on which I will focus more fully in future issues. In the meantime, please think carefully about your own situation- keep your emotion out of it as a way of respecting the testator’s last wishes.

It is just one of those things that life insurance in South Africa costs much more than it would cost in Australia, and that it takes a big bite out of your earnings. Make sure you seek professional advice on this topic- it is in your own best interest.

Food for thought: Your Australian testament has no influence or control over your South African assets.  The simple solution? A separate testament for each country. Just beware of the inheritance tax trap!  Your options?  Remember- an Australian inheritance doesn’t pay inheritance tax and offers significant cost benefits. The inheritance benefits for beneficiaries is limitless- both from a financial, as well as an emotional point of view.

Members of PPS (Professional Provident Society) should think twice before they cancel their investments and provisions, as there is the decisive matter of the division of surplus.  Such a termination can result in significant financial losses for you and your family.  The solution?  Seek professional advice regarding your specific situation.

A former employer could have entitled you to pension fund-surplus payments, but how would you know this?  Previously, employers had the right to retain their contributions to your pension fund if you resign before retirement.  New legislation now makes it compulsory for surpluses to be paid out retroactively, even if you are no longer in the company’s employment. In the next issue of Merise we’ll discuss the possible monies due to you by insurance companies.

One last word: never make financial decisions without first seeking the advice of a professional financial advisor. There is simply too much at stake, and no one wants to suffer unnecessary financial losses. 

For free financial advice, and relevant overview of your specific situation, contact australia@cashkows.com.

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Finansiële emigrasie

Om te emigreer, beteken nie dat jy jou burgerskap verloor nie. Dis net ‘n formele kennisgewing aan die Suid-Afrikaanse regering dat jy nie meer belastingpligtig is nie.

Daar is baie Suid-Afrikaners wat deesdae in die buiteland woon,salig onbewus van die feit dat hulle ‘n belegging of twee agterlaat het en die geld wettig aan hulle verskuldig is. Is jy een van daardie gelukkige visse?

Onthou jy nog die laaste woorde op jou lang to do-lysie voor jy die land uit is? Mop al die klein goete op. En toe jy hier aanland, is jou nuwe land se lysie so lank dat jy al lankal van die mop vergeet het.

In toeka  se dae was daar ‘n tyskrifrubriek, Vra maar, Anna Malan sal help. Wel ek’s nou nie sy nie maar in die volgende paar uitgawes van Merise gaan ek jou help om uit te vind of jy een van die gelukkiges is wat ‘n vergete neseiertjie het wat na jou verlang. Ek verduidelik ook hoe mense te werk moet gaan om nie te veel kostes aan te gaan, belasting te betaal of enige risiko’s te loop nie.

Het jy geweet dat jou Suid-Afrikaanse uittree-annuïteit nou voor die ouderdom van 55 kan uikeer en oorbetaal? Het jy dalk ‘n opbetaalde annuïteit wat eintlik likied is? Min mense weet dat Suid-Afrikaanse wetgewing in 2008 aangepas is en nou voorsiening daarvoor maak dat jy nou vroeër voordeel uit annuïteitbeleggings kan trek.

Die meesete migrante is skepties om formeel te emigreer, maar dis uit onkunde. Om te emigreer, beteken nie dat jy jou burgerskap verloor nie. Dis net ‘n formele kennisgewing aan die Suid-Afrikaanse regering dat jy nie meer belastingspligtig is nie. Wie wil nou in twee lande aangeslaan word vir belasting?

Daar is heelparty goeie redes om amptelik te emigreer. Maak net seker dat jy die regte advies kry wat spesifiek betrekking het op jou situasie, byvoorbeeld:

Erfporsies: Dit is ‘n bron van inkomste waarna ‘n mens nie regtig uitsien of waarop jy staatmaak nie, want dit hou verband met die verlies van dierbares en geliefdes. Dit is egter sinvol om jou belastingstatus agtermekaar te kry om die onaangename realiteit van boedelbelasting en beredderingskostes te vermy. Dan praat ons nie eens van die ergerlikheid van die onvermydelike valutabeheer en burokratiese frustrasie nie. Dit is belangrik om jou sake vroegtyding in orde te kry en sodoende die moontlikheid van ‘n ‘bevrore erfporsie’ en onnodige belastingverpligting te voorkom.

Boedelbeplanning is ‘n voël van ander vere- vir sowel die testateur as die bevoordeeldes wat ‘buite die landsgrense’ woon. Hierdie is ‘n dissipline op sy eie wat ek in ‘n latere uitgawe sal uitklaar. Dink intussen solank aan jou eie situasie, sonder ‘n gewete-eerder uit respek vir die testateur se laaste wense.

Dis nou maar net so dat ‘n lewensdekking in Suide-Afrika baie meer kos as in Australië en sommer ‘n groot hap uit jou rande vat. My voorstel? Maak ‘n punt daarvan om professionele advies te kry. Dit is in jou eie belang.

Stof tot nadenke: Jou Australiese testament het geen invloed of beheer oor jou Suid-Afrikaanse bates nie. Die eenvoudige oplossing? ‘n Testament vir elke land. Pas egter op vir die boedelbelastingstrik! Jou opsies? Onthou, ‘n Australiese boedel betaal nie boedelbelasting nie en bied geweldige kostebesparings. Die inherente voordele vir ergename is eindeloos – vanuit ‘n finasiële sowel as ’n emosionele perspektief.

PPS-lede (Professional provident Society) moet twee keer dink voordat hulle hul dekking en beleggings kanselleer, want daar is die kwessie van surplusverdelings. So ‘n kansellasie kan groot verliese vir jou en jou familie inhou. Die oplossing? Kry professionele advies rakende jou spesifieke situasie.

‘n Vorige werkgewer kon persioenfonds-surplusuitbetalings aan jou gemagtig het, maar hoe sou jy dit weet? Vroeër jare het werkgewers die reg voorbehou om hul bydrae terug te hou indien jy voor aftrede sou bedank. Wetgewing maak dit nou verpligtend vir surpluses om terugwerkend uitbetaal te word, selfs al is jy nie meer in diens nie. In ‘n volgende uitgawe sal ons gesels oor die versekeringsmaatskappye wat moontlik geld verskuldig is aan jou.

Die laaste woord: Moet nooit finasiële besluite neem sonder om ‘n professionele persoon te raadplaag nie. Daar is eenvoudig te veel  op die spel en niemand wil finansiële verliese ly nie.

Vir gratis professionele advies en ‘n relevante oorsig van jou spesifieke posisie, kontak

australia@cashkows.com .

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