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Use tax-free benefits to ease possible tax rise

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Consumers are encouraged to use tax free savings vehicles to ease the possibility of increased tax burdens after the 2017 National Budget Speech. Consumers have until 28 February 2017 to make use of their R30 000 maximum tax free allocation for the current tax year.
Aneesa Razack, CEO of FNB Share Investing says it’s vital to make use of this window even if you do not use the full R30 000 maximum allocation.
“To use their tax-free benefits, consumers have an option to buy tax-free shares with a R30 000 maximum lump sum or make R300 monthly contributions to reach their annual allocation without paying any tax on returns or dividends on the investment. The tax-free benefit also puts you in a position to earn better compound interest over time.”
Razack further cautions consumers not to rest on their laurels, noting: “While 2017 is partly expected to be better than 2016, people should not leave their financial wellbeing to chance. One of the easiest ways to take charge of one’s financial independence is to constantly boost your cash reserves.”
For consumers who may be struggling to create financial room to start investing or saving, Razack recommends the following measures to get started:
* Review fixed and variable costs: Knowing your fixed and variable expenses will be a good start to your financial independence journey. Fixed expenses are things like your bond or vehicle loan.
* Be honest with yourself: It’s almost certain that not all your money goes to necessities, and if you are honest with yourself when looking at your finances, you stand a better chance of making progress.
* Set financial goals: Once you have a good understanding of your finances, you need to set a goal and a realistic timeline to achieve that goal.
* Consult an adviser: Financial advice is becoming a critical component for consumers who are serious about attaining financial independence. Using the services of a professional could be hugely beneficial.
* Choose an investment product: Choose the right product for you. Many people tend to opt for cash platforms because that’s what they are familiar with, but investing in shares or unit trusts is easy and convenient.
“We don’t know what this year has in store for the South African economy but irrespective, it’s always important to plan properly and have your financial destiny firmly in your hands,” Razack says.