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How do I invest in property outside SA?

How do I invest in property outside SA?

1 answered

  /  11 October 2019    100
Buying property offshore might be quite rewarding, but there are some risks to be aware of.
Investments
Can value loss in pre-retirement investments normalise after upswings?

Can value loss in pre-retirement investments normalise after upswings?

1 answered

  /  23 September 2019    47
The optimal solution is a well-thought-out balancing act.
Retirement
Can I get tax benefits from contributing to my kids’ RAs?

Can I get tax benefits from contributing to my kids’ RAs?

1 answered

  /  19 September 2019    56
Considerations when contributing toward retirement annuities and other long-term investments for your children.
Retirement Tax
Where is it best to invest R3m?

Where is it best to invest R3m?

1 answered

  /  13 September 2019    374
Several things need to be considered; staying focused on your long-term objective – retirement – is important.
Investments Tax
Is there a tax-saving route to financial emigration?

Is there a tax-saving route to financial emigration?

1 answered

  /  9 September 2019    145
If I proceed with financial emigration to Mauritius, will I still be personally liable for capital gains tax on the shares I hold in a company?
Tax
Will I be taxed for contributions to a new business?

Will I be taxed for contributions to a new business?

1 answered

  /  6 September 2019    43
Tax implications will depend on the nature of the business and how you structure the investment.
Tax
How do I choose the best living annuity, return-wise?

How do I choose the best living annuity, return-wise?

1 answered

  /  5 September 2019    54
Avoid picking funds purely on performance – simply going for last year’s winners or losers isn't a fund-selection process.
Retirement Unit Trusts
Trusts: do I have funds due to me as a beneficiary?

Trusts: do I have funds due to me as a beneficiary?

1 answered

  /  2 September 2019    37
Sign a letter of authority and send it to all investment providers to ascertain if there are any investments in your name.
Estate planning
Should I take up government’s early retirement offer?

Should I take up government’s early retirement offer?

1 answered

  /  30 August 2019    441
A major concern when considering an annuity income relates to the growth rate assumptions.
How will I be taxed on unit trust withdrawals?

How will I be taxed on unit trust withdrawals?

1 answered

  /  7 August 2019    77
Local unit trusts generally attract dividend and interest taxes and possibly capital gains tax on withdrawal.
Investments Retirement
How best do I invest for my grandchildren?

How best do I invest for my grandchildren?

1 answered

  /  1 August 2019    21
Investing into one or two individual shares exposes you to significant risk.
Investments
Do I still pay my RA advisor’s fees if he’s no longer practising?

Do I still pay my RA advisor’s fees if he’s no longer practising?

1 answered

  /  29 July 2019    29
The fee would not automatically stop, but you do have options.
Investments Retirement
I’m 69 and working. How do I gain more tax relief?

I’m 69 and working. How do I gain more tax relief?

1 answered

  /  25 July 2019    75
A look at how to benefit from medical aid and retirement annuity contributions.
Retirement Tax
Do the default regulations allow me to transfer my pension fund?

Do the default regulations allow me to transfer my pension fund?

1 answered

  /  24 July 2019    87
Yes – but consider investment fees, fund performance, risk tolerance and investment horizon.
Retirement
Should I invest a lump sum or contribute monthly?

Should I invest a lump sum or contribute monthly?

1 answered

  /  22 July 2019    65
The amount of time you spend in the market and the frequency with which you invest are two important factors to consider.
Investments Tax
How do I become debt-free?

How do I become debt-free?

1 answered

  /  19 July 2019    56
If the interest rate on your car loan is higher than that of your home loan, consider using your access bond to pay off your vehicle in full.
Personal Finance Retirement
Is it necessary to invest in property to build wealth?

Is it necessary to invest in property to build wealth?

1 answered

  /  11 July 2019    238
'The big money is not in the buying or the selling, but in the waiting' - Charlie Munger.
Investments
How do I best invest my R6m lump sum from the RAF?

How do I best invest my R6m lump sum from the RAF?

1 answered

  /  29 June 2019    135
Consider the emotional benefits of owning your own home without the anxiety of paying off a bond.
Investments Retirement Tax
Is it worth getting a loan in order to invest?

Is it worth getting a loan in order to invest?

1 answered

  /  26 June 2019    24
A preferable solution would be to invest a monthly amount into a unit trust portfolio or your retirement fund.
Investments
Clients take money offshore for the wrong reasons

Clients take money offshore for the wrong reasons

Answered by:  /  28 May 2019    15
Craig Torr, founding member of Crue Invest, on providing advice in the current environment.
Should I take up government’s early retirement offer?

Should I take up government’s early retirement offer?

1 answered

  /  30 August 2019    441
A major concern when considering an annuity income relates to the growth rate assumptions.
Where is it best to invest R3m?

Where is it best to invest R3m?

1 answered

  /  13 September 2019    374
Several things need to be considered; staying focused on your long-term objective – retirement – is important.
Investments Tax
How do I invest for a R38 000 pm income?

How do I invest for a R38 000 pm income?

1 answered

  /  21 February 2018    339
I will have R7.2 million in a pension fund when I retire in April 2019.
Retirement
How do I invest for a R20 000 monthly income?

How do I invest for a R20 000 monthly income?

1 answered

  /  20 March 2018    334
Three of the biggest risks someone close to, or at retirement faces: longevity, inflation, and the underlying investment assets.
Investments Retirement
How does UIF work?

How does UIF work?

17 August 2017    320
My husband has been employed by Portnet for about 30 years. He wants to retire early - will he qualify for UIF?
Is it necessary to invest in property to build wealth?

Is it necessary to invest in property to build wealth?

1 answered

  /  11 July 2019    238
'The big money is not in the buying or the selling, but in the waiting' - Charlie Munger.
Investments
What’s better: investing in a 30-day notice account or unit trusts?

What’s better: investing in a 30-day notice account or unit trusts?

1 answered

  /  18 December 2018    228
A combination of income funds run by respected asset managers may be one of the safest forms of investment, other than cash.
Investments Unit Trusts
Can I safely invest with FedGroup?

Can I safely invest with FedGroup?

UPDATE

1 answered

  /  27 July 2017    223
Update: FedGroup responds. 'I’m a pensioner with R1.5 million to invest – would it be safe with FedGroup’s bond participation scheme?'
Investments Retirement
How do I invest my pension when I retire?

How do I invest my pension when I retire?

1 answered

  /  18 March 2019    222
Two important questions to consider: will you take the allowable cash portion, and what annuity type is most suitable?
Retirement
How should I invest R1.2m for a monthly income at retirement?

How should I invest R1.2m for a monthly income at retirement?

1 answered

  /  13 July 2018    221
I cannot take a lot of risk, as this is all the money I have.
Investments Personal Finance Retirement
I have R200 000 to invest – where to now?

I have R200 000 to invest – where to now?

1 answered

  /  12 October 2017    184
A Moneyweb reader with a ten-year horizon and a total unencumbered portfolio of almost R13 million asks for investment advice.
Investments Retirement
The tax implications of trading forex for a living

The tax implications of trading forex for a living

1 answered

  /  20 June 2017    179
What are Sars’ tax requirements on forex trading? It will be my sole income.
Tax
Which unit trusts should my children invest in?

Which unit trusts should my children invest in?

1 answered

  /  4 April 2019    170
Having a long-term view and being overweight in offshore funds is probably best.
Investments
Financial emigration: Should I withdraw my retirement savings?

Financial emigration: Should I withdraw my retirement savings?

UPDATE

1 answered

  /  29 January 2018    169
If I emigrate, I’m considering cashing out my pension as part of the discretionary R1 million allowance.
Retirement Tax
What access do you have to your retirement money?

What access do you have to your retirement money?

1 answered

  /  12 January 2018    166
Can you access more than one third of your pension fund and do you have to buy into a retirement annuity?
How should a 23-year-old invest their money?

How should a 23-year-old invest their money?

1 answered

  /  31 July 2018    158
Is a retirement annuity, unit trust, or tax-free savings account the way to go?
Insurance Investments Personal Finance Retirement Tax Unit Trusts
What happens to a pension payout on dismissal?

What happens to a pension payout on dismissal?

1 answered

  /  6 July 2017    149
Does the pension payout include both employee’s and employer’s pension contribution?
Retirement
Offshore investing: How do I navigate wills and tax?

Offshore investing: How do I navigate wills and tax?

1 answered

  /  5 October 2017    149
Are there issues with foreign investments in the event of one's death regarding separate wills and executors, estate duty, and insurance wrappers?
Estate planning Investments Tax
Can I transfer my funds out of a loss-making annuity?

Can I transfer my funds out of a loss-making annuity?

1 answered

  /  26 April 2019    146
Changing investment strategies based solely on market performance is not advised, especially in retirement.
Investments Retirement
Is there a tax-saving route to financial emigration?

Is there a tax-saving route to financial emigration?

1 answered

  /  9 September 2019    145
If I proceed with financial emigration to Mauritius, will I still be personally liable for capital gains tax on the shares I hold in a company?
Tax

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