Index/Inhoudsopgawe. My financial life My finansiële lewe. Important personal documents Belangrike persoonlike dokumente
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1 My Finansiële Lewe
2 Index/Inhoudsopgawe My financial life My finansiële lewe 1 Important personal documents Belangrike persoonlike dokumente 2 Life insurance policies Lewensversekeringspolisse 3 Retirement annuities and pension/provident fund documents Uittree-annuïteite en pensioen- en voorsorgfonds dokumente 4 Savings and investments Spaarrekeninge en beleggings 5 Ecsponent preference shares Ecsponent voorkeuraandele 6 Financial needs: analysis and recommendations Finansiële behoeftes: analise en aanbevelings 7 Medical aid Siekefonds 8 Short term insurance Korttermynversekering 9 Tax Belasting 10 Contracts and other details Kontrakte en ander besonderhede 11
3 1 My financial life My finansiële lewe Keep all important documents in respect of your financial life in this special binder so that you and your family may have all the necessary information at your fingertips when needed. Bewaar alle dokumente rakende jou finansiële geskiedenis in hierdie spesiale lêer sodat jy en jou familie al die nodige inligting byderhand kan hê. Full names/volle name: ID number/identiteitsnommer: Passport number/paspoortnommer: Tax number/belastingnommer: Bank accounts/bankrekeninge 1. Bank: Branch/Tak: Account number/rekeningnommer: 2. Bank: Branch/Tak: Account number/rekeningnommer: Joint bank account details/gesamentlike bankrekening inligting: 1. Bank: Branch/Tak: Account number/rekeningnommer: Credit cards/kredietkaarte Bank: Card/account number: Kaart/rekeningnommer: Bank: Card/account number: Kaart/rekeningnommer: Bank: Card/account number: Kaart/rekeningnommer:
4 e-toll card number/e-tol-kaartnommer Store cards/winkelkaarte Store/Winkel: Card/account number: Kaart/rekeningnommer: Store/Winkel: Card/account number: Kaart/rekeningnommer: Store/Winkel: Card/account number: Kaart/rekeningnommer: Store/Winkel: Card/account number: Kaart/rekeningnommer: Store/Winkel: Card/account number: Kaart/rekeningnommer: List of numbers/belangrike nommers Short term insurance/korttermynversekering Life insurance/lewensversekering Investment/Belegging Medical aid/siekefonds
5 2 Important personal documents Belangrike persoonlike dokumente Important copies reference the location of the original documents if not kept in this file Afskrifte van belangrike dokumente dui aan waar oorspronklike dokumente gehou word indien nie hier geliasseer is nie Last will and testament, specifying your final wishes about your personal assets. Add a living will to state your wishes for end-of-life medical care. Testament gee 'n uiteensetting van jou wense oor jou persoonlike bates. Sluit 'n "lewende" testament in oor mediese versorging in die latere deel van jou lewe. Family or special trust deed Familie- of spesiale trustakte Identity document and/or passport Identiteitsdokument en/of paspoort Passport and/or ID of spouse Identiteitsdokument en/of paspoort van eggenoot/ eggenote Children's birth certificates/ids/passports Kinders se geboortesertifikate/identiteitsdokumente en/of paspoort Marriage certificate (if married) Huweliksertifikaat (indien getroud) Ante-nuptial contract (if married out of community of property) Huweliksvoorwaardekontrak (indien buite gemeenskap van goedere getroud) Copy of divorce order and settlement agreement (if divorced) Afskrif van egskeidingsbevel en skikkingsooreenkoms (indien geskei) Estate particulars of late spouse (full name, date of death, place of death, Master of High court office and estate number) Boedelbesonderhede van oorlede eggenoot/ eggenote (volle naam, datum van afsterwe, plek van afsterwe, Meesterskantoor en boedelnommer) Title- and transport deeds, sectional title-, timeshare- and mineral rights certificates Titelaktes, transportaktes, deeltitel-, tyddeelen mineraleregtesertifikate Driver's licence Rybewys Motor vehicle registration certificates Motorvoertuig-registrasiesertifikate Firearm licenses Vuurwapenlisensies Municipal services accounts (water, lights and tax) Munisipale dienste (water, ligte en belasting) rekeninge
6 3 Life insurance policies Lewensversekeringspolisse Why life insurance? It is crucial to take care of your loved ones in the event of your death. Without your current and future income your spouse or dependents could land in a financial crisis as they would still have to pay regular bills like the mortgage bond, electricity, school or university fees. Unless you are wealthy enough to provide for them after death, life insurance is recommended to compensate for the loss of your income to ensure that your loved ones may continue to live comfortably. Waarom lewensversekering? Dit is krities belangrik om in geval jy tot sterwe kom, voorsorg vir jou geliefdes te tref. Sonder jou huidige en toekomstige inkomste kan jou eggenoot/eggenote en afhanklikes in 'n finansiële krisis beland, omdat hulle steeds die maandelikse rekeninge soos die verband, elektrisiteit en skoolgeld sal moet betaal. Tensy jy onafhanklik ryk is, word lewensversekering aanbeveel om die verlies van jou maandelikse inkomste te vervang. Dit sal verseker dat jou geliefdes met gemak die mas opkom. Life insurance policies Lewensversekeringspolisse Policy schedule A policy schedule is an outline of the cover provided under the policy, it will show your details, what you do, the cover given and the relevant limits, sums insured and excess. This is not an independent document from the policy wording itself and it should always be read in conjunction with it. The schedule will outline additional clauses, exclusions and warranties specific to your circumstances. Polisskedule 'n Polisskedule is 'n uiteensetting van wat onder die skedule gedek is. Dit sal jou besonderhede bevat, wat jy doen, die dekking wat gegee word, beperkings asook die bybetalings. Dit is nie 'n onafhanklike dokument nie en moet altyd saam met die polisbewoording gelees word. Die skedule sal bykomende klousules, uitsluitings en waarborge spesifiek vir jou omstandighede uiteensit. Original policy contracts and funeral policies Oorspronklike poliskontrakte en begrafnispolisse Endowment policy Living annuity Other life insurance Uitkeerpolis Lewende annuïteit Ander lewensversekering Group risk policy schedules and beneficiary list Funeral policy schedules Groep risiko polisskedules en begunstigdelys Begrafnispolisskedule
7 4 Retirement annuities and pension/ provident fund documents Uittree-annuïteite en pensioen- en/of voorsorgfondsdokumente Over the last few decades, the concept of retirement has evolved greatly. Life expectancy has extended and most people want to remain busy after retirement. In fact, modern retirement is increasingly seen as a time to explore new opportunities, start new ventures and making money whilst pursuing one's passions. Regardless of that it remains necessary to save for the day when you will no longer be working full time and also in the event of illness where you might not be able to earn at all. Die konsep van aftrede het oor die afgelope paar dekades nuwe betekenis gekry. Lewensverwagting het verleng en die meeste mense wil na aftrede besig bly. Trouens, moderne aftrede word toenemend gesien as n tyd om nuwe geleenthede te ondersoek en ontgin, dalk 'n nuwe onderneming te begin, en om geld te maak terwyl jy jou passies uitleef. Ten spyte hiervan bly dit steeds noodsaaklik om te spaar vir die dag wanneer jy nie meer voltyds kan werk nie, of dalk so verswak is dat jy glad nie kan werk nie. Retirement annuities/pension fund documents Uittree-annuïteite en pensioenfondsdokumente Retirement annuities Uittree-annuïteite Pension funds Pensioenfondse Provident funds Voorsorgfondse Pension preservation funds Pensioenbewaringsfondse Provident preservation funds Voorsorgbewaringsfondse
8 5 Savings and investments Spaar- en beleggingsrekeninge Saving is putting money aside bit by bit in order to create a meaningful lump sum for a particular goal such as a holiday, a deposit on a house or unforeseen emergencies. Investing is putting money into an investment such as buying shares or property. The aim is to create growing capital. Om te Spaar, is om gereeld geld opsy te sit vir 'n spesifieke doel soos om 'n vakansie te kan betaal, 'n deposito op 'n huis te sit of vir onvoorsiene gevalle geld te hê. Om te Belê, is om geld in 'n belegging te sit met die doel dat dit moet groei, deur dinge te koop waarvan die waarde vermeerder, soos byvoorbeeld eiendom of aandele. Savings and investments Spaar- en beleggingsrekeninge Share Certificates Aandelesertifikate Investment Certificates (Unit trusts) Beleggingsertifikate (effektetrusts) Bank deposits Bankdeposito's Stock broker details Aandelemakelaar se rekening/inliging Broker account details Makelaarsrekening/inligting Unit trust account details Effektetrusts rekening/besonderhede Further investment account details Verdere besonderhede van beleggingsrekening
9 6 Ecsponent preference shares Ecsponent voorkeuraandele With operations currently in South Africa, Swaziland, Botswana and Zambia, the Ecsponent group generates wealth through investment in financial and private equity assets throughout its targeted markets. The group puts the returns generated by these investments within the reach of investors who seek certainty, transparency, lower fees and above all, above average investment returns. Class A Provides investors with a steady, above average income from their investment. Returns are maximised by preserving the capital amount with a zero investment cost. Suitable for investors who require: a medium term investment; higher than standard market returns; a monthly after tax income; the security of investing in listed preference shares and a hundred percent allocation of capital. Class B Provides investors with an above average return on capital invested over a five years term, with a zero investment cost. Suitable for investors who require: a medium term investment; higher than standard market returns; fixed capital growth over the investment term; the security of investing in listed preference shares and a hundred percent allocation of capital. Class C Provides investors with a fixed, above average income, linked to the prime interest rate whilst the capital is preserved with zero investment cost. Suitable for investors who require: a medium term investment; higher than standard market returns, equal to the prime interest rate plus 4%; a monthly after tax income; the security of investing in listed preference shares and a hundred percent allocation of capital. Met bedrywighede tans in Suid-Afrika, Swaziland, Botswana en Zambië, genereer die Ecsponent-groep welvaart deur middel van beleggings in finansiële en private bate aandele regdeur sy teiken markte. Die groep stel die opbrengste verwesenlik deur hierdie beleggings binne die bereik van beleggers wat sekerheid, deursigtigheid, laer koste en op die koop toe bogemiddelde opbrengste verlang. Klas A Voorsien beleggers van n vaste, bogemiddelde inkomste, terwyl die kapitaal beskerm word sonder dat enige koste verhaal word. Geskik vir beleggers wat: 'n mediumtermyn-belegging verkies; risiko-sku is maar 'n hoër koers as die markgemiddeld verlang; 'n maandelikse inkomste na belasting wil ontvang en 'n vaste aflosdatum verkies. Klas B Voorsien beleggers van 'n bogemiddelde opbrengs op kapitaal oor 'n tydperk van vyf jaar sonder dat enige koste betaal word. Geskik vir beleggers wat: 'n mediumtermyn-belegging verkies; risiko-sku is, maar 'n hoër koers as die markgemiddeld verlang; 'n vaste groeikoers wil hê; 70% groei oor vyf jaar verlang; in genoteerde voorkeuraandele wil belê en hul kapitaal ten volle wil belê. Klas C Voorsien beleggers van n vaste, bogemiddelde inkomste gekoppel aan die prima rentekoers, terwyl die kapitale beleggingsbedrag bewaar word, teen 0% beleggingskoste. Geskik vir beleggers wat: 'n mediumtermyn-belegging verkies; risiko-sku is, maar 'n hoër koers as die markgemiddeld verkies naamlik prima 4%; 'n maandelikse inkomste na belasting verkies en 'n vaste aflosdatum verlang. Preference shares Voorkeuraandele Class A Klas A Class B Klas B Class C Klas C
10 7 Financial needs analysis and recommendations Finansiële behoeftebepaling en aanbevelings Financial needs analysis The assessment of your financial needs forms the basis upon which you and your family's financial future will be built. Here a financial advisor must help you to determine appropriate goals and design a tailor made plan for you. Record of advice This is a record of all communications with your financial advisor. It will include a brief summary of the information and material on which the advice was based, a list of the financial products considered and recommended and why they had been presented as options to you. Finansiële behoeftebepaling Die analise van jou finansiële behoeftes vorm die basis waarop die finansiële toekoms van jou en jou gesin gebou gaan word. 'n Finansiële adviseur moet jou hier help om toepaslike doelwitte te bepaal en 'n nommerpasplan vir jou as individu uit te werk. Adviesrekord Dit is jou rekord van alle kommunikasie met jou finansiële adviseur. Dit sal n kort opsomming insluit van die inligting en materiaal waarop die advies gebaseer is, 'n lys van die finansiële produkte wat oorweeg is en en aanbeveel is en waarom hulle spesifiek as opsies aan jou voorgestel is. Financial needs analysis and recommendations / Finansiële behoeftebepaling en aanbevelings Completed by (name)/ Voltooi deur (naam) Representing (company)/ Verteenwoordig (maatskappy) Contact details/ Kontakbesonderhede On date/ Op datum
11 8 Medical aid Siekefonds Whether you are the employee of a large corporate, an entrepreneur, a parent, a single person, a student or even a child, it is imperative that you have some form of medical aid or hospital plan. Just one accident can leave you financially crippled. If you are retrenched or struggle to pay, rather seek a cheaper plan than abandoning your medical aid or hospital plan totally. Of jy nou die werknemer van n groot korporatiewe maatskappy is, n entrepreneur, n ouer, n enkel persoon, n student of selfs n kind, is dit noodsaaklik om 'n siekefonds of ten minste 'n hospitaalplan te hê. Net een groot ongeluk kan jou geldelik ruïneer. Indien jy afgedank word of sukkel om te betaal, soek eerder 'n goedkoper plan as om jou siekefonds heeltemal oorboord te gooi. Medical aid Siekefonds Top up cover Aanvullende dekking Membership certificate Lidmaatskapsertifikaat Copy of medical aid plan Afskrif van siekefondsplan Other medical insurance Ander mediese versekering
12 9 Short-term insurance Korttermynversekering Some people believe that they can save enough money to replace their assets should anything happen to them. The problem is that, in most cases, the expenses incurred after an accident, the death of a loved one, or a disability are beyond any savings or wealth that a person may have accumulated. It is for this reason that insurance is such an important component of your financial planning. Insurance cover is more economical in the long term than having to use your savings to pay for the loss or damage of assets, especially when it s a costly expense. Vehicles Vehicle maintenance plan/service plan details and contracts Roadside assistance Buildings Household contents Sommige mense glo hulle kan genoeg geld spaar om hulle bates te vervang sou iets daarmee gebeur. Ongelukkig is die uitgawes in die meeste gevalle van ramp soos brand, dood, diefstal of gestremdheid meer as enige spaargeld wat jy betyds kon opbou. Dit is om hierdie rede dat versekering so 'n belangrike deel van jou finansiële beplanning is. Versekeringsdekking is meer ekonomies in die lang termyn as om jou spaargeld te gebruik om te betaal vir die verlies of beskadiging van bates, veral wanneer dit n duur uitgawe is. Voertuie Voertuie onderhoud/diensplan besonderhede en kontrak Padbystand Geboue Huishoudelike inhoud Short-term insurance Korttermynversekering Short-term insurance contract(s) Korttermynversekeringskontrakte Top-up cover Aanvullende dekking
13 10 Tax Belasting Tax is a compulsory contribution to state revenue, levied by the government on workers income and businesses' profits, or added to the cost of some goods, services, and transactions. If you earn a taxable income above the tax threshold, you must register as a taxpayer with SARS. To register for income tax, you must complete an IT77 registration form which can be obtained from the SARS website, namely The form can also be requested from any SARS branch or the SARS Contact Centre. Once it has been completed, it can be taken to any SARS branch for processing or the form can be posted to SARS. Belasting is n verpligte bydrae tot staatsinkomste, wat deur die regering gehef word op werkers se inkomste en besighede se winste, of bygevoeg word tot die koste van sekere goedere, dienste en transaksies. As jy n belasbare inkomste verdien wat bo die belastingdrempel is, moet jy as belastingbetaler by SARS registreer. Om te dit te doen, moet jy n IT77 registrasievorm voltooi, wat verkry kan word op die SARS webwerf, Die vorm kan ook by enige tak of kontaksentrum van SARS verkry word. Sodra dit voltooi is, kan dit na enige SARS tak vir verwerking geneem word, of die vorm kan aan SARS gepos word. Tax Belasting Copy of last income tax submission and/or assessment reflecting your Tax Reference Number Afskrif van laaste inkomstebelastingopgawe en/of -aanslag wat jou inkomstebelastingverwysingsnommer aandui VAT Registration Number (where applicable) BTW-verwysingsnommer (indien van toepassing) Information regarding assets sold / disposed of / alienated during the past 2 years (capital gains tax) Inligting met betrekking tot kapitaalbates wat verkoop/vervreem is gedurende die laaste twee jaar (kapitaalwinsbelasting)
14 11 Contracts Kontrakte Contracts and other notes Kontrakte en ander besonderhede Hire purchase/lease documents Huurkoopkontrakte Rental/lease agreements and information about rental income Verhuringsooreenkomste en inligting oor huurders en huurinkomste Business contracts/agreements Sakekontrakte Trade licenses Handelslisensies Details of surety obligations Besonderhede van enige borgverpligtinge Details of companies/partnerships/trusts/close corporations/sole proprietorships Besonderhede oor maatskappye, vennootskappe, trusts, beslote korporasies of eenmansake Details of bookkeeper/auditor Besonderhede van boekhouer/ouditeur
15 12 Other details Verdere besonderhede Pay slip/proof of income Betaalstrokie/bewys van inkomste Other memberships Ander lidmaatskappe Social media user names and passwords Sosiale media gebruikersname en wagwoorde
16 Ecsponent Beperk Hoofkantoor Eerste Vloer, Acacia House Green Hill Village Office Park H/v Botterklapper & Nentabosstrate Die Wilgers, Pretoria Registrasienr. 1998/013215/06 Ecsponent Finansiële Dienste Suid-Afrika Eerste Vloer, Acacia House Green Hill Village Office Park H/v Botterklapper & Nentabosstrate Die Wilgers, Pretoria Registrasienr. 2006/012668/07 FSP no KwaZulu-Natal Seadoone Office Park Seadooneweg 34 Doonside, KwaZulu-Natal Oos-Kaap Botswana Sesde Vloer, Exponential Building Plot New CBD Gaborone Registrasienr. CO.2016/1545 Sertifikaatnr /RFII Swaziland The Gables 7 Ezulwini Swaziland H swaziland@ecsponent.com Registrasienr. R7/38733 IA/0020/14 Zambië Winkelnommer 6 Eerste vloer Gebou 2 Central Park Cairoweg Lusaka, Zambië zambia@ecsponent.com Registrasienr Capeweg 195, Millpark Port Elizabeth, peadmin@ecsponent.com Ecsponent Ontwikkeingsfonds Suid-Afrika Eerste Vloer, Acacia House Green Hill Village Office Park H/v Botterklapper & Nentabosstrate Die Wilgers, Pretoria info@ecsponent.com Registrasienr. 2015/180072/07 ecsponent.com
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