Davron Chanderdeo | CA(SA)
Region: ZA
Sunday 31 May 2026 08:08:42 GMT
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Mr Tony (DGSA) CFP” :
Usufruct / bare-dominium split You transfer (usually donate) the bare dominium to the trust and reserve the usufruct for life — so the trust owns it but you keep use and income. • No loan = no Section 7C. That recurring drag disappears entirely. • Lower donations base. You’re donating only the bare-dominium value (full value minus the usufruct, valued on the 12% annuity factor over your life expectancy), so donations tax bites on a reduced figure. • Cleaner estate outcome. On your death the reserved usufruct simply terminates and the trust consolidates full ownership — nothing “passes” from you, so that consolidation generally falls outside estate duty.
2026-05-31 21:43:55
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Frogman116 :
Why not just donate the whole asset to the Trust from the get go?
2026-05-31 09:46:54
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Raam Govender :
so Davron, would it make more sense then to allow a pty under the Holding company to purchase the property instead... to thus avoid the loan account and it's requirements
2026-06-05 10:36:10
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Nicola Venter :
Interesting - thank you. Every day is a learning opportunity.
2026-05-31 08:58:19
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SeatedbyJenkie 🇿🇦 :
we are learning so much
2026-05-31 15:24:34
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Mr_Cooper :
No bro there is another way around it. Instead of loan use share A and Share B structure
2026-05-31 12:39:50
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jaybrbeerak :
Good tip
2026-06-02 04:39:27
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user6605043035179 :
Davron what can i take in substitute for a Provident fund
2026-06-04 13:54:25
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Nash.R96 :
what happens if in your will you leave your loan account for the benefit of the trust .
2026-05-31 13:36:11
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sims :
Thanks to u i opened a tax free for my baby.
2026-06-01 06:30:20
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user7309549529081 :
💯💯💯💯💯💯💯💯💯💯💯💯💯💯💯💯💯💯
2026-05-31 21:40:21
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BossbabeD :
😁😁😁
2026-05-31 17:05:51
1
user494838 :
😳😳😳
2026-05-31 09:58:41
1
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