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About Laurant Systems
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Laurant Systems is a South African software development company. We develop
software and own and operate a variety of sites, including the site on
which you are currently.
To contact the company, please use the contact form below.
Please note that we do not offer any guarantee whatsoever that we will respond to your inquiry,
especially if such an inquiry is covered by the Help documentation
of the site on which you are currently. We reserve the right to respond or not
to respond to your inquiry. We will especially not, repeat not,
respond to requests to remove your profile, for which there is a page on the
site. Also note that our office hours are 8am
to 5pm, Mondays to Fridays only. Should we, at our sole and exclusive discretion, decide to respond
to your inquiry, you may only receive a response during those hours.
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Want to register a profile on the site?
The cost is R195, payable in advance.
Please check the box to the right if you want to register your profile.
You will be taken to a secure payment page and will then receive your
registration link, after you've paid. You will also receive 1 month's premium membership. |
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A Retirement Annuity is an effective way to save for retirement because:
Your savings provide you with an income in your retirement years
When you retire, you may take up to one third of your accumulated savings in a cash lump sum. The rest is used to provide you with a monthly income.
You save tax
Your retirement annuity contributions reduce your taxable income up to certain limits: part of your contributions come from tax savings, which means that the South African Revenue Service (SARS) is actually paying a part of your retirement savings. Another big tax advantage is that the growth on your investment is tax free.
Your savings are protected from your creditors
Your retirement savings are safe irrespective of any personal financial loss you may suffer. This ensures that your savings will be available when it is most needed and for what it is intended - the provision of your retirement income.
What are the tax benefits of saving in a retirement annuity?
According to current tax legislation, and depending on your tax situation, retirement annuities have the following tax advantages:
You can deduct your contributions to a retirement annuity from your taxable income, up to a specified limit. This means that you pay less tax when you contribute to a retirement annuity. Contributions in excess of the limit can be carried forward and deducted from future taxable income, including a retirement lump sum or pension income.
The investment returns earned in a retirement annuity fund is not taxed at the moment.
At retirement, the lump sum benefit is tax free up to a specified limit. Regular pension payments are taxed as income.
This does not only mean that tax is delayed, but because the tax rebates, rates and allowable deductions change at ages 65 and 75, less tax will be paid.
All limits referred to above are specified annually for the tax year.
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