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If this is your only investment you may want to explore splitting across other products to get product, liquidity and tax diversification.

If your ex is married in community of property, the vacant land you donate will form part of the joint estate – but there are various options open to you.

There is no benefit to what you are proposing, and the risk of incurring a higher tax liability.

And can I choose a non-profit organisation as trustee of the fund?

Foreign exchange control regulations prevent this – but once you receive your income in rands you can transfer it to an offshore bank account.

The scheduled tax legislation change relates specifically to provident preservation funds.

It claims the return on your investment can be up to 65% in 30 days.

A notarial contract, once registered at the Deeds Office, will have the effect of an antenuptial contract.

If the aim is to get maximum global exposure and the drawdown is taken 100% from local funds, how much should be invested in the local fund?

The term of your investment will play a big role in which products are suitable for your circumstances.

Comparing the return of your portfolio to the rate you are paying would be the first step to calculate what is best.

And what other platforms encourage investors to invest in a cheaper way?

Such policies are generally taken out between spouses and not found in a business environment – and there is generally no cost benefit compared with taking out separate policies on each life.

There are several possible steps: lodge a complaint with the brokers. If the outcome's unsatisfactory, approach the ombud. If the loss exceeds R800 000, consider instituting a civil claim.

With Covid-19 travel limitations there is no way we can get the necessary documents originally signed by my son.

Putting it into an RA, settling debt, investing in a tax-free unit trust, or using it as a deposit for a money market account?

Quantify the business risks: this represents the majority of your pension, and you don't have time on your side to build it up again.

A third option exists that may be the perfect solution.

Unfortunately not. The best thing is to look at the total allocation of your provident fund to ensure the maximum of 30% offshore exposure is fully utilised.

Transfers to a living annuity are done on a tax-neutral basis, but there are a few things to be aware of.

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

The scheduled tax legislation change relates specifically to provident preservation funds.

The question of paying off debt or contributing to retirement savings is something many South Africans wonder about.

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

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

My husband has been employed by Portnet for about 30 years. He wants to retire early - will he qualify for UIF?

Asset allocation will play a big role in your investment/retirement outcome.

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

Settling your other debt could free additional cash flow, which can then go towards your home loan.

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

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

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

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

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

There are several high-level considerations when deciding whether or not a rental property is a good investment.

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

Various available investment options will outperform cash over time.

The decision is not as simple as one might think.

Investment plans have to be carefully customised to each investor’s specific requirements.

Higher returns require taking on more volatility and riding out market cycles.