crown financial seminar

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Crown Financial Ministries Bybelse Finansiële Studie Praktiese Sessie

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Presented by: Wouter Fourie Certified Financial Planner® Professional Professional Accountant (SA) Practicing Tax Consultant BCom(Hons), Post Graduate Diploma Advanced Taxation, Post Graduate Diploma Financial Planning. Disclaimer: The purpose and intention of this presentation is not to recommend any specific investments

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We must answer 2 questions ? Is Money EVIL? Does the Bible CONDEMN money? Examine 1 Timothy 6:10 carefully: “The love of money is a root of all sorts of evil”

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AGENDA PRAKTIESE SESSIE BASIESE KONSEPTE VAN FINANSIES Inflasie en die reël van 72 Saamgestelde Rente – krag van 2. PERSOONLIKE FINANSIELE STAAT – Die Beginpunt Gebruik belasting tot jou voordeel (Art 11n) 3. SKULDLYS 6. VERSEKERING BERAAMDE MAADELIKSE BEGROTING verwys na begroting op DVD 5. BOEDELBEPLANNING – TESTAMENT 7. FINANSIELE DOELWITTE

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Inflasie en Risiko Jy kan jou geld teen baie gevare beskerm onder meer diefstal, maar die grootste gevaar is egter inflasie.   Die koopkrag van geld is een van die belangrikste begrippe wanneer jy ’n beleggingsplan moet opstel. Alle beleggings moet daarop gemik wees om die koopkrag van jou geld te beskerm.   Verdien ’n reële opbrengs ’n Reële opbrengs beteken ’n opbrengs wat inflasie na belasting oorskry. ’n Suksesvolle belegger probeer altyd ’n opbrengskoers verdien wat vinniger as die inflasiekoers groei, of minstens ’n goeie kans staan om die inflasiekoers te klop. Beleggers in sogenaamde tradisionele beleggings in banke en geldmarkrekeninge het die afgelope 20 jaar gemiddeld 5% per jaar van die koopkrag van hulle geld verloor. Voorbeeld Jan Belegger het geld in die bank wat teen 7% per jaar rente verdien, terwyl die inflasiekoers 5% is. Omdat Jan Belegger egter belasting op sy rente moet betaal (se maar 40%), word die reële opbrengskoers tot -0.8% verlaag. (7%-40%)=4.2%. Die inflasiekoers is egter 5%. Dus 4.2 – 5% = -0.8%.

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Die 72 reel Ons kan die 72 reël gebruik om te bereken hoe lank dit duur voor jou geld se koopkrag halveer. Omgekeerd toon hierdie reël hoe lank dit duur voor pryse verdubbel.   Voorbeeld Hoe lank sal dit duur voor pryse verdubbel as jy weet dat motorpryse na verwagting met 20% per jaar gaan toeneem? Om die antwoord te bereken, deel jy 72 deur 20. Die antwoord is 3,6. Dit beteken dat motors se pryse in minder as vier jaar gaan verdubbel.

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Savings The average person in our country is three weeks away from bankruptcy! Scripture encourages us to save. The wise man saves for the future, but the foolish man spends whatever he gets” Proverbs 21:20

The reason most humans make poor investors : 

The reason most humans make poor investors The investor now actively seeks bad news “I can’t buy it now, it’s done too well.” “OK, I’ll take a small position to limit my risk.” “This one’s a winner, I’m in.” “Told you so!” “Don’t worry, this is a long- term investment.” The investor starts to ignore bad news flow “Who are the idiots selling this stock?.” The investor starts to actively seek good news “Really oversold, it should bounce now.” “Its far too cheap to sell now” “Oh well, its only 10 basis points of my Fund, I might as well sell it” “I was right” “I wish I had some more to sell” The investor now ignores good news flow “Who are the idiots buying this stock?.” “The game has changed, I’m going long.” “I was right!!”

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INVESTMENT ASSET TYPES Least Risky Most Risky Low Return High Return

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CASH INVESTMENT ASSET TYPES Least Risky Most Risky Low Return High Return 2.8% 5.0% 9.0% Return % - Strategic Expected Real Return 1.3%

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Lets have a look at the two most extreme asset classes: Equities vs. Cash

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Equities vs. Cash 1 year 14

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Equities vs. Cash 3 years 15

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Equities vs. Cash 5 years 16

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Equities vs. Cash 5 years 17 17 %

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Very few investors ever achieve equity like returns because of the risk involved, they often panic and move out of equities at the absolute wrong time.

CHOOSING THE MIXECONOMIC CYCLE : 

CHOOSING THE MIXECONOMIC CYCLE

CHOOSING THE MIXINVESTMENT CYCLE : 

CHOOSING THE MIXINVESTMENT CYCLE

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DO YOU HAVE ENOUGH TIME ?

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SAVINGS AND INVESTING START EARLY !

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For what are South African’s Saving?

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REASONS FOR SAVING

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SAVINGS VEHICLES USED IN SOUTH AFRICA

WARNING! : 

WARNING! "The greatest risk in investing, is your own behaviour“ W. Buffet

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Presented by: Wouter Fourie Certified Financial Planner® Professional Professional Accountant (SA) Practicing Tax Consultant BCom(Hons), Post Graduate Diploma Advanced Taxation, Post Graduate Diploma Financial Planning. wouter@ascor.co.za 086 1113 187 or 082 372 5911