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How do I invest in property outside SA?

Buying property offshore might be quite rewarding, but there are some risks to be aware of.

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

The optimal solution is a well-thought-out balancing act.

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

Considerations when contributing toward retirement annuities and other long-term investments for your children.

Where is it best to invest R3m?

Several things need to be considered; staying focused on your long-term objective – retirement – is important.

Is there a tax-saving route to financial emigration?

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?

Will I be taxed for contributions to a new business?

Tax implications will depend on the nature of the business and how you structure the investment.

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

Avoid picking funds purely on performance – simply going for last year’s winners or losers isn't a fund-selection process.

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

Sign a letter of authority and send it to all investment providers to ascertain if there are any investments in your name.

Should I take up government’s early retirement offer?

A major concern when considering an annuity income relates to the growth rate assumptions.

How will I be taxed on unit trust withdrawals?

Local unit trusts generally attract dividend and interest taxes and possibly capital gains tax on withdrawal.

How best do I invest for my grandchildren?

Investing into one or two individual shares exposes you to significant risk.

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

The fee would not automatically stop, but you do have options.

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

A look at how to benefit from medical aid and retirement annuity contributions.

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

Yes – but consider investment fees, fund performance, risk tolerance and investment horizon.

Should I invest a lump sum or contribute monthly?

The amount of time you spend in the market and the frequency with which you invest are two important factors to consider.

How do I become debt-free?

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.

Is it necessary to invest in property to build wealth?

'The big money is not in the buying or the selling, but in the waiting' - Charlie Munger.

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

Consider the emotional benefits of owning your own home without the anxiety of paying off a bond.

Is it worth getting a loan in order to invest?

A preferable solution would be to invest a monthly amount into a unit trust portfolio or your retirement fund.

Clients take money offshore for the wrong reasons

Craig Torr, founding member of Crue Invest, on providing advice in the current environment.

Should I take up government’s early retirement offer?

A major concern when considering an annuity income relates to the growth rate assumptions.

Where is it best to invest R3m?

Several things need to be considered; staying focused on your long-term objective – retirement – is important.

How do I invest for a R38 000 pm income?

I will have R7.2 million in a pension fund when I retire in April 2019.

How do I invest for a R20 000 monthly income?

Three of the biggest risks someone close to, or at retirement faces: longevity, inflation, and the underlying investment assets.

How does UIF work?

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?

'The big money is not in the buying or the selling, but in the waiting' - Charlie Munger.

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

A combination of income funds run by respected asset managers may be one of the safest forms of investment, other than cash.

Can I safely invest with FedGroup?

Update: FedGroup responds. 'I’m a pensioner with R1.5 million to invest – would it be safe with FedGroup’s bond participation scheme?'

How do I invest my pension when I retire?

Two important questions to consider: will you take the allowable cash portion, and what annuity type is most suitable?

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

I cannot take a lot of risk, as this is all the money I have.

I have R200 000 to invest – where to now?

A Moneyweb reader with a ten-year horizon and a total unencumbered portfolio of almost R13 million asks for investment advice.

The tax implications of trading forex for a living

What are Sars’ tax requirements on forex trading? It will be my sole income.

Which unit trusts should my children invest in?

Having a long-term view and being overweight in offshore funds is probably best.

Financial emigration: Should I withdraw my retirement savings?

If I emigrate, I’m considering cashing out my pension as part of the discretionary R1 million allowance.

What access do you have to your retirement money?

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?

Is a retirement annuity, unit trust, or tax-free savings account the way to go?

What happens to a pension payout on dismissal?

Does the pension payout include both employee’s and employer’s pension contribution?

Offshore investing: How do I navigate wills and tax?

Are there issues with foreign investments in the event of one's death regarding separate wills and executors, estate duty, and insurance wrappers?

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

Changing investment strategies based solely on market performance is not advised, especially in retirement.

Is there a tax-saving route to financial emigration?

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?

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