This value excludes any assets or interests specifically excluded below. The total present value of cash, movables, investments, unit trusts, furniture etc. is the value you can enter as the Commencement Value of your estate. For example - you have a vehicle and furniture with a current estimated value of R1mil, you can list the Commencement Value at R1mil. Please note that the ASSETS you list to be excluded below (eg property, pensions, investments) need no value, and do not form part of your Commencement Value. Please note that the commencement value increases in terms of the Consumer Price Index (CPI), thus, at divorce, the commencement value plus the yearly CPI will be set off against your net estate at the time of the divorce.