Planning for the future and preserving wealth in volatile times

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Planning for the future and preserving wealth in volatile times
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[SPONSORED] Gold remains ‘the ultimate store of value’. sagoldcoin Scoinshop Moneyweb safehavenassets investing finance

Investors have been riding the volatility wave for years. In particular, they have experienced the implosion of IT shares with the technology bubble burst, the 9/11 terror attacks in the US, the sub-prime lending crisis and the outbreak of the Covid-19 pandemic.

Taxpayers tend to diversify their assets by investing domestically as well as utilising their R10 million foreign investment allowance to invest in assets offshore. “The gold price [priced in US dollars] offers South Africans the ultimate rand hedge when local economic uncertainty creeps into a weakening rand. Gold also counteracts inflation; something that has been on the horizon since the Covid-19 stimulus in 2021,” says Demby.

Smit explains that once an asset has been donated to a trust, it is no longer part of the donor’s estate and donations tax becomes payable by the donor. When an asset is loaned to a trust the market value of the asset is pegged in the lender’s estate from the date the loan is made, but the growth of the asset sits in the trust.

The act also defines ‘gross income’ as the total amount received by a person, excluding receipts or accruals of a capital nature.

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