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Spaarplan en /of Langtermyn Belegging

Watter soort Belegger is jy?

Jy besluit self watter soort belegger jy is en hoe jy jou spaargeld wil belê. Die eerste stap is om te bepaal aan watter risikovlak jy bereid is om jou swaarverdiende spaargeld bloot te stel.

Teen hierdie tyd ken ons almal die goue reël van belegging – hoe hoër die moontlike opbrengs, hoe groter die risiko.

Jy moet dus self besluit of jy:

  • ’n konserwatiewe, versigtige, 
  • gematigde, matig aggressiewe 
  • of aggressiewe belegger is.
Will jy liewer:

  • aan die veilige kant will bly bly met gelykmatige kapitaalgroei, 
  • of will jy dalk groter risiko’s vir hoër moontlike opbrengste aangaan? 
Of wil jy dalk die middelweg volg:

  • en ’n kombinasie van hoërisiko-, mediumrisiko- en laerisikobeleggings kies?
Ons by Procon sal jou help om die regte keuse volgens jou risikoprofiel te maak.

Wat is die Termyn?

Dit hang af waarvoor jy spaar.

Na die aanvanklike termyn (vyf jaar) gaan jou belegging onbepaald voort, {indien jy wil} wat beteken dat jy jou belegging kan voortsit totdat jy uiteindelik besluit om jou opbrengs op te eis.

Is dit ’n Belastingdoeltreffende Belegging?

Jou enkelbedraguitbetaling aan die einde van jou beleggingstermyn is tans belastingvry in jou hande. Die beleggingsmaatskappy betaal die inkomstebelasting en kapitaalwinsbelasting van die plan.

Hoe Toeganklik is jou Geld?

Jou belegging is baie toeganklik indien jy dringend geld nodig het. 

Sodra jou belegging waarde opgebou het, kan jy:

  • om ’n lening aansoek doen, 
  • jou plan as sekuriteit gebruik om aansoek te doen vir ’n banklening, 
  • ’n gedeelte van jou belegging onttrek, 
  • of die plan beëindig en die kontantwaarde ontvang. 
Volgens huidige wetgewing mag jy slegs een onttrekking en een lening tydens ’n beperkte periode (gewoonlik binne die eerste vyf jaar) aangaan.

Wat kan jy Nog van 'n Spaar en /of Beleggingsreeks verwag?

Kundige bestuur:

  • Jou geld is in veilige hande. Kundige interne en eksterne fondsbestuurders span hul jarelange kennis en ervaring in om seker te maak dat jy die hoogste moontlike groei verdien.
Deursigtigheid:

  • Jy word vooraf duidelik ingelig oor al die fooie en koste wat op jou belegging van toepassing is. Jy sal ook gereeld oor die stand van jou belegging ingelig word.
Beskerming van jou belegging ingeval jy sterf:

  • Jou benoemde begunstigde sal by jou dood die sterftevoordeel op jou belegging ontvang.
Skakel jou belegging om:

Jou belegging bied jou algehele buigsaamheid om van een beleggingsportefeulje na ’n ander om te skakel indien jou behoeftes en omstandighede verander.

Die opsionele Aflegging-Premiekwytskeldingsvoordeel:

  • sal alle premies betaal vir die volgende 12 maande indien jy jou werk verloor en nie binne ’n maand ’n ander werk kan vind nie.
Die opsionele Ongeskiktheid-premiekwytskeldingsvoordeel:

  • sal alle premies betaal tot die einde van die voordeeltermyn indien jy ongeskik verklaar word.
Onderrigbelegging / Spaarplan:

Dis nou tyd vir aksie.

Die geheim van spaar is om vroegtydig te begin, want tydsverloop is die groot voordeel wat verseker dat die geld daar is wanneer jy dit nodig het. Begin deur vooruit te beplan:

Omskryf jou doelwitte:

  • openbare - of private onderrig,kollege of universiteit?
Bepaal die beleggingshorison:

  • hoe oud is jou kind, hoe gou sal jy die fondse nodig hê?
Kies’n geskikte beleggingsproduk:. 

  • een met byvoordele – premiekwytskending met dood of ongeskiktheid.
  • 'n Onderrigbelegging moet: Gemoedsrus; Buigsaamheid; Waarde vir geld; Toegang tot jou geld na vyf jaar; bied.
  • Die betaling van ’n maandelikse premie plus jy moet ’n opsionele enkelbedrag met  bedryfsleidende beleggingswaarborge mag byvoeg,


Die aksie van die onttrekking en spandeer van aftreespaargeld voor normale aftree-ouderdom, is die grootste enkele skuldige vir soveel Suid Afrikaners wat in armoede aftree.
The act of withdrawing and spending retirement savings before normal retirement age is the single biggest culprit for so many South Africans retiring in poverty.