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Speaker 1: Seven two. Wee came breakfast Personal Finance with all the

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Speaker 1: rule of sir.

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Speaker 2: H it's twenty two minutes after seven o'clock. Shifting our

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Speaker 2: attention from the newspapers and the stories of the day,

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Speaker 2: we're now looking at the new tax free savings limits.

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Speaker 2: You would have remembered or you would have seen a

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Speaker 2: couple of weeks ago Finance Minister, you know, Cocado Mina,

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Speaker 2: announcing that he would like a change or an amendment

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Speaker 2: to the tax free savings ceilings, saying he's hoping that

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Speaker 2: this will encourage a better saving culture and a better

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Speaker 2: rate of savings in South African households. But just how,

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Speaker 2: just what are these new tax ceilings? How do they

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Speaker 2: work for South African households. We're joined on the line

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Speaker 2: by our residence certied financial advisor, Paul. Rule of sir.

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Speaker 2: If you have a question about the new tax free

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Speaker 2: savings limits, give us a call right now on O

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Speaker 2: double one eight three or seven oh two. Send us

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Speaker 2: an SMUs on three one seven two or WhatsApp message

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Speaker 2: on seven seven two one seven O two. Paul is

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Speaker 2: always a great pleasure to eevery on the show. Good morning. Nope,

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Speaker 2: we don't have Paul at the moment, we'll try and

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Speaker 2: get that sorted out. We'll be joined, of course by

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Speaker 2: our certified financial advisor, Paul Rule of Sir, talking about

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Speaker 2: the new tax free savings ceilings. So of course we've

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Speaker 2: announced those the impact. There are two announcements that we'll

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Speaker 2: be looking at this morning, one relating to the retirement

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Speaker 2: annuity ceiling, the other to the tax free savings account

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Speaker 2: annual limit. And the idea is that by making these changes,

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Speaker 2: it's mean to put more money in your account. So

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Speaker 2: you can put small, steady contributions into a tax free

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Speaker 2: savings account, who can venues in a rainy day. But

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Speaker 2: we also know Africans have quite a low rate of

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Speaker 2: savings for retirement, so it's also meant to encourage us

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Speaker 2: to be planning a little bit further and having a

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Speaker 2: little bit more for when we stop earning income. And

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Speaker 2: as mentioned, we're joined by a resident certified financial advisor,

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Speaker 2: Paul Rule of Sir. Paul. A very good morning too.

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Speaker 3: I agog, and that's a I gortant to understand this

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Speaker 3: because you know, we've been in a position where South

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Speaker 3: Africans are really on the back foot, and I think

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Speaker 3: any opportunity to put something aside at the best efficient

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Speaker 3: tax benefit. I think that's that's got to be a plan.

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Speaker 3: And as you correctly said, you know the tax free

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Speaker 3: savings account and has been adjusted. Okay, that's the good

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Speaker 3: news in the budget. All that's only a small amount.

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Speaker 3: It does add to the overall benefit in the long term.

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Speaker 3: And let's us put that down. We used to be

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Speaker 3: able to put a maximum of thirty six thousand rand

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Speaker 3: into our tax resavings accounts per text here, and that's

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Speaker 3: going up to forty thousand right now. It's just it's

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Speaker 3: a small margin. But again it's an extra four thousand

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Speaker 3: rand that you could put in put away. And however

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Speaker 3: you do it is up to you. You can do

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Speaker 3: it ad hoc, you know, put the whole amount in,

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Speaker 3: put some of it in, sign up a debt order

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Speaker 3: to put a monthly amount away. But whatever you can do,

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Speaker 3: it's going to be a very good benefit for you.

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Speaker 3: Not so much in the short term, but in the

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Speaker 3: long term. And here's the real caveat around this particular

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Speaker 3: investment is that no tax is applied inside the returns.

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Speaker 3: We've got to get this right. You know, if I've

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Speaker 3: got a unit, trust my unit trust is taxed depending

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Speaker 3: on the type of unit trust. But I could have

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Speaker 3: a balanced fund with one of the service providers, and

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Speaker 3: what that particular unit trust will do, it'll invest in shares,

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Speaker 3: in bonds and property and cash as well, and all

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Speaker 3: of those derivatives, all those yields or taxed at in

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Speaker 3: some way. Shares a tax at twenty percent interest as

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Speaker 3: tax at your marginal rate, bond interest as tax as well,

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Speaker 3: and that's all taxed in that unit trust. But if

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Speaker 3: that now sits at same unit trust, it's in a

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Speaker 3: tax free savings account, no tax is applied whatsoever. And

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Speaker 3: what that effectively does it enhances your return, which then

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Speaker 3: compounds that much more into the future. And that's the

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Speaker 3: real big kicker, because if you're really into a tax

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Speaker 3: free savings account, you're going to get the much better

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Speaker 3: long term yield because your compounding is going to be

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Speaker 3: that much better. And here's the other side of it.

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Speaker 3: When you do decide to draw from it, if you're

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Speaker 3: in a tax free savings account, the total proceeds will

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Speaker 3: be tax free as well. So it's a very tax

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Speaker 3: efficient way to start looking at it. And I think

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Speaker 3: even though it is a small amount, if you can

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Speaker 3: get up to the forty thousand per year. You're really

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Speaker 3: going to max out that particular side of the budget proposal.

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Speaker 2: And so the other thing that's also been moved or

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Speaker 2: that we've seen a change is to the retirement annuity selling.

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Speaker 3: Yes, very much say no retirement annuity is again or

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Speaker 3: long term and they enjoyed the same tax exemptions as

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Speaker 3: I spoke to in the tax free savings account. No

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Speaker 3: tax is applied inside a retirement inuity. The one thing

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Speaker 3: about it, however, is it's not liquid. You know, you've

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Speaker 3: got a way till you get to fifty five to

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Speaker 3: be pensioned off, and most of us don't even have

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Speaker 3: enough at fifty five, so you probably have to be

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Speaker 3: aiming for a lot longer than that. With the two

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Speaker 3: part system. Yes, it did come in recently where you've

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Speaker 3: got now access to that retirement innuity. You can take

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Speaker 3: a portion of it, the savings portion out of it

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Speaker 3: once a year. And that's not a good idea, yeah,

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Speaker 3: that you want to leave it in that that particular

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Speaker 3: vehicle and get it compounding down the road. But what's

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Speaker 3: actually happened is you can actually up to now, up

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Speaker 3: to last year, you could actually take twenty seven and

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Speaker 3: a half percent of all your taxable earnings adducted up

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Speaker 3: to twenty seven and a half percent against retirement to

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Speaker 3: new newity contributions. Now, that meant that you could really

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Speaker 3: put a lot of way into RAS. Up to twenty

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Speaker 3: seven and a half percent of that contribution could come

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Speaker 3: off your taxable earnings, but that also had a ceiling.

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Speaker 3: It had a maximum of three hundred and fifty thousand

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Speaker 3: round per year, which really a google appeals more to

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Speaker 3: the wealthier people. You know, they would probably be in

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Speaker 3: a better position to get up to that kind of contribution.

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Speaker 3: And what's happened actually happened now is that that four

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Speaker 3: thirty for that four hundred, sorry, three hundred and thirty

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Speaker 3: let's get it right, three hundred and fifty thousand, that's

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Speaker 3: now being increased to four hundred and thirty thousand. So

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Speaker 3: there's kind of a big jump towards a better opportunity

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Speaker 3: for the higher tax brackets to really enjoy an extra

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Speaker 3: break from retirement funding. And again, good idea if you've

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Speaker 3: got the money, because what better investment can you get

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Speaker 3: Where you put your forty five cents in the rand taxpayer,

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Speaker 3: it means you put one rand in and you get

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Speaker 3: forty five cents back from the receiver of revenue as

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Speaker 3: a as a refund. So it's a good benefit and

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Speaker 3: something that you from future retirement planning, as it must

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Speaker 3: have if you can afford it. But there again another

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Speaker 3: way of getting squeezing out extra returns down the road.

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Speaker 2: There also seems to be some movement with regards to

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Speaker 2: capital gains. Talk to us about that.

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Speaker 3: Well, there's a point to you know, capital gains in

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Speaker 3: my from my lens, it's a little bit of an

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Speaker 3: unfair thing because you've you know, you've got your savings

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Speaker 3: throughout the year. Let's talk to that unit. Trust me

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Speaker 3: use as an example. If I've got that in my

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Speaker 3: portfolio for the for ten to fifteen years, I've probably

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Speaker 3: made quite a nice capital game. And the previous year

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Speaker 3: you could get forty thousand round off that game before

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Speaker 3: it was taxed in a certain way to be added

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Speaker 3: to your taxable earnings. And that forty thousand hasn't been

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Speaker 3: revised for many, many years, you know, And when you

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Speaker 3: look at this sort of compensation you're getting for that savings,

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Speaker 3: it should really be adjusted by a higher deduction over

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Speaker 3: the years. And this particular part of the tax budget

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Speaker 3: hasn't been reviewed for many years, but it's gone up now,

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Speaker 3: which is a good thing, and I think we should

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Speaker 3: be very aware of it. It's gone up from forty

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Speaker 3: thousand now to fifty thousand. So if you've got to gain,

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Speaker 3: if you've got to gain this year of fifty thousand rand,

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Speaker 3: you can take that out of a unit trust and

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Speaker 3: not pay any tax on it whatsoever up to fifty

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Speaker 3: thousand rand. Anything above that obviously then it gets into

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Speaker 3: a formula and added to your tax return. So it's

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Speaker 3: something not to be ignored and something that I think

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Speaker 3: is at least, as I said earlier on, something is

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Speaker 3: better than nothing, and it's quite sizeable I think for

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Speaker 3: the average investor to be aware of. It doesn't only

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Speaker 3: apply to investing on the markets. It's any disposable. If

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Speaker 3: you sold a rental property, for example, your own house,

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Speaker 3: well that's that's a different story that that's got its

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Speaker 3: own tax capital gains exemption. But if you've got any asset, technically,

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Speaker 3: what happens on disposal, there's a there's a particular calculation.

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Speaker 3: You need to know what the actual gain on that

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Speaker 3: disposal will be. And the good news is now that

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Speaker 3: it's fifty thousand before you pay tax on that, right.

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Speaker 2: Just to check out, I just want to go back

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Speaker 2: a little bit to the tax receavings account, so that

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Speaker 2: is that's gone up from the first of March. It's

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Speaker 2: used to be thirty six thousand. It is now forty

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Speaker 2: six thousand.

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Speaker 3: That that's correct. Yes, I've got ten thousand, that's.

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Speaker 2: Correct, right, okay, just to check all right, because we'd

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Speaker 2: said forty earlier and there's a bit of confusion.

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Speaker 3: Sorry, that's forty forty six y up, it's another ten

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Speaker 3: thousand rain which is a super super start, right.

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Speaker 2: A question here from a parent who asks, good morning,

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Speaker 2: go go and pall, I need clarity. If I open

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Speaker 2: a tax FI savings account for my son who's thirteen,

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Speaker 2: with the intention to use the proceeds for their tertiary

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Speaker 2: education under their name, will he be able to open

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Speaker 2: his own account when he's older, and also says thanks

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Speaker 2: for the profound impact on our financial health. That's from

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Speaker 2: saying more so, they would open an account for their

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Speaker 2: son to say, for their education, and then would they

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Speaker 2: be able to open another account? Would that depend on

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Speaker 2: what the overall limit had been reached?

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Speaker 3: You can have, you can have, You can have as

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Speaker 3: many tax resavings accounts as you like, provided you don't

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Speaker 3: exceed the limit. And as you correctly said, now there's

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Speaker 3: an overall limit of five hundred thousand per person, so

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Speaker 3: as long as you let stay in those parameters, you'll

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Speaker 3: be fine. But there's no restriction on how many you

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Speaker 3: can have. You know, you can have one with one

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Speaker 3: service provider for a particular project, and then another for another,

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Speaker 3: but in the given year, you can't exceed the annual

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Speaker 3: limit because then you'll even see it on your tax return.

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Speaker 3: And there's a very strong questioning section on your preparation

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Speaker 3: of your tax return where the receiver wants to know

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Speaker 3: how much you've put in, how much you've taken out,

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Speaker 3: and they're busy calculating in the background that five hundred

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Speaker 3: thousand overall limit. But to the question, yes, definitely you

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Speaker 3: can have as many as you like, but you can't

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Speaker 3: exceed the forty six thousand.

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Speaker 2: A message here from Lloyd, who's in Greenpoint in Cape Town, says,

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Speaker 2: good day, Gogs, thanks for a great show. A big

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Speaker 2: thanks to Pull for all the valuable financial information. It's

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Speaker 2: greatly appreciate it. Good to hear how the tax reinvestment

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Speaker 2: will work for me. I've been in it for five

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Speaker 2: years now, and as mentioned, that's a message from Lloyd

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Speaker 2: and Green Point.

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Speaker 3: Ah suka. Thank you Lloyd, and just keep on saving.

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Speaker 3: You know, don't be tempted to dip into it, because

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Speaker 3: the longer you leave it, it's just going to have

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Speaker 3: that much better compounding effect down the road. What you

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Speaker 3: really want to do is max out what you can

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Speaker 3: towards that five hundred thousand limit. With the new increase,

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Speaker 3: it's going to get there a little sooner, but it's

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Speaker 3: probably inevitable that they would revise that limit too because

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Speaker 3: it also has to be adjusted over the years through inflation.

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Speaker 3: But I'd encourage you to keep it going because it's

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Speaker 3: going to be super for you in the long term

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Speaker 3: to have a vehicle of discretion and money that you

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Speaker 3: can take out any time you like, totally tax free.

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Speaker 2: Paul, as always, it's great to have you on the show.

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Speaker 2: Thank you so much for your time.

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Speaker 3: Thank you Google.

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Speaker 2: That's our residence certified financial advisor, Paul Rule of Self.

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Speaker 2: There's a topic for us to discuss in our personal

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Speaker 2: finance conversation. Send it through to us. I know seven two,

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Speaker 2: seven oh two one seven o two. Coming up, we

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Speaker 2: speak sustainability, we celebrate, we end off National Gardens Week.

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Speaker 2: We'll speak to Thompson Mucinalo, director for Conservation, Gardens and

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Speaker 2: Tourism at Sanby. Then we talk TV. The latest in

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Speaker 2: the shutdown of the streaming service show Max. Canal Plus

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Speaker 2: has revealed their next plan what will replace Show Max.

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Speaker 2: Will speak to Tiennis Ferrera about that. But first, it's

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Speaker 2: twenty five minutes before eight o'clock. Let's check in with

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Speaker 2: you latest. I Witness New Sport with Anthony Schaeder