WAT KAN JY VERWAG TYDENS JOU WELVAARTSREIS IN 2025?

Riaan Botha • December 5, 2024

Ons weet dat die omskrywing “welvaart” meer as die geld situasie van ‘n persoon beskryf. Dit raak ook die”welstand van ’n persoon “ wat deur sy/haar finansiële situasie geraak word. Met die leuse “Jou welvaart ons prioriteit” poog Bovest om deur middel van professionele finansiële beplanning, publikasies en die sosiale media om elke leser te bemagtig om hul persoonlike welvaart te verbeter.


Die finansiële markte in Suid Afrika het in 2024 as gevolg van ‘n  rentekoers verlagende siklus asook die instelling van die Regering van Nasionale Eenheid (RNE) goed presteer. Die heersende positiewe sentiment in die ekonomie sal na  verwagting voortduur en daar kan verwag word dat rentekoerse verder sal daal. Hierdie faktore kan meewerk dat 2025 weereens ’n goeie jaar vir beleggers in die plaaslike groei bate-klasse sal wees.


Beduidende politieke veranderinge het ook hierdie jaar in Suid Afrika plaasgevind met die ANC wat sy meerderheid by die stembus tydens die Nasionale en Provinsiale Algemene verkiesing.verloor het. Die voortspruitende vorming van die RNE is deur die finansiële markte goed ontvang. Dit het ’n dinamiese tydperk in die plaaslike politiek ingelui omdat besluite deur middel van konsensus geneem moet word.


Internasionale finansiële markte gaan die inhuldiging van Pres Trump in Januarie 2025 verwerk. Aangesien dit sy tweede termyn is, kan verwag word dat hy volstoom sy verkiesingsbeloftes gaan implimenteer. Daar sal veral met afwagting gekyk word na wat die ekonomiese implikasies gaan wees as hy sy  dreigiment om bestaande handelstariewe op invoerbelasting na die VSA te hersien, implimenteer.



Bovest wil graag sy kliënte bedank vir hul lojale ondersteuning gedurende die afgelope jaar. Mag julle saam met julle geliefdes die vrede van Christus tydens kersfees ervaar. Die wens word uitgespreek dat die wat met vakansie gaan, veilig sal reis en uitgerus terugkeer vir 2025.

 

Riaan Botha

How to invest in a volatile market

By Geo Botha • July 4, 2025
How to invest in a volatile market: 3 Principles to keep in mind ‘In the short term, markets can be very volatile depending on which news story makes headlines. However, over the longer-term investors are always rewarded for staying invested and riding out the waves.’ We know this by now, we have heard it many times before and historical data proves it. Yet it’s easier said than done. When it gets to our own money we are emotionally involved and there is a part of us that believes that this time, it might indeed be different. What if the markets never recover and I suffer permanent capital loss. And with the increase power of AI and social media, it feels like my portfolio hangs on the thread of a single Tweet. In this article Stephen Bernard, an actuarial analyst form our partner Allan Gray share his views, backed by statistics and historical evidence: Read the article here: https://www.allangray.co.za/latest-insights/markets-and-economy/how-to-invest-in-a-volatile-market/

Invest Globally, Prosper Locally: Offshore Strategies for SA Investors

By Ruvan J Grobler • July 1, 2025
In an increasingly interconnected global economy, South African investors are finding compelling reasons to look beyond local borders when building long-term wealth. Offshore investing offers access to broader, more resilient markets, particularly in developed economies with stronger currencies and more stable political environments. Given South Africa’s constrained economic growth, fiscal uncertainty, and the rand’s vulnerability as an emerging market currency, allocating a portion of your portfolio offshore can serve as both a growth engine and a hedge. Investing offshore provides exposure to world-leading companies, industries, and fund managers that are often unavailable in the local market. It allows investors to participate in innovation-led growth in sectors like technology, healthcare, and clean energy, which are typically underrepresented on the JSE. Most importantly, it supports diversification—not just across asset classes, but across geographies, currencies, and economic cycles—reducing concentration risk tied to the South African economy. Key Reasons to Invest Offshore: Diversification: Reduce reliance on South African markets and benefit from a broader global opportunity set. Currency Hedge: Protect your wealth against rand depreciation by investing in hard currencies. Global Access: Gain exposure to top-tier international asset managers and world-class investments. Growth Potential: Participate in faster-growing economies and industries driving global expansion. Important Considerations for South African Tax Residents Before investing offshore, it’s essential to evaluate how your investment aligns with your broader financial planning, particularly around access, succession, taxation, and estate planning: Flexibility: Will you have access to your funds when needed? What types of investments can you hold? Succession Planning: Can your investment be transferred to your heirs? Will Capital Gains Tax (CGT) apply? Tax Compliance: Is the structure tax-efficient, and what must be declared on your tax return? Estate Structuring: Will your investment attract foreign estate duties? Is an offshore executor required? An Efficient Offshore Solution: The Offshore Wrapper A tailored offshore wrapper can simplify many of these complexities, offering a cost-effective and administratively streamlined solution. Key benefits include: No exposure to offshore estate duties No South African executor fees on death No inheritance tax in the offshore jurisdiction Ability to nominate beneficiaries directly for smooth succession Creditor protection for assets held within the structure Consolidation of various investments (e.g., share portfolios, funds) under one structure Minimum investment from $25,000 Tax Treatment The offshore wrapper also provides significant tax efficiency: Taxes are calculated and settled annually by the platform—no action required by the investor CGT is capped at 12%, and income tax at 30% Taxes are applied to USD returns, meaning rand depreciation is not taxed Reach out to me at ruvan@bovest.co.za for more information. Ruvan J Grobler RFP™ (PGDip Financial Planning)