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Investing where safety comes first

I'm looking to invest about R100 000 for returns of around 10% to 12%, as long as it is a safe environment where I don't lose the money I originally invested.

What is the most tax-efficient way to sell a property in a trust?

... and where do I invest the proceeds if I'm planning to retire in 5-10 years?

How do I find a missing policy in my name?

My late father took out a policy/investment/trust fund in my name several years ago. Is there anyway I can find out if there is actually something in my name?

What are the tax implications of a cash gift?

I've received large sum of money from a friend in the US as a graduation gift. I don't receive enough income to pay tax currently.

How can I buy my first car in cash?

I want to buy my first car in cash by investing R4 000 a month for three to five years. Which investment product is best to achieve this?

It’s not the time to sell

‘Long term in equities is one of the only asset classes where you can comfortably beat inflation, which is the key to long-term investment’ - Jaco Joubert, financial planner at PSG Wealth Sandton.

Post-resignation, what’s the best option for retirement funds?

Reader wants to ensure a safe retirement and to pay the lowest tax possible.

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.

How do I become financially independent in a decade?

What sort of capital investment and monthly contribution would be realistic in achieving this goal?

We have to plan for the worst-case scenario

Every investment kind of works the same but it’s the discipline to stick to it that’s going to get you to the end: Vick Lallbahadur, financial advisor - Masthead Financial Planning.

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?

Two investment options for your child’s future

I'm not completely convinced that the education policy route is the best way to go. I’ve reached an impasse.

The investing journey doesn’t stop when times are hard

People are happy to buy things on special at the shops, but not when it comes to investing: Thulisile Nkomo, private wealth manager at NFB Financial Services.

How should I invest my R1.5m for retirement?

What kind of investment would you recommend with the lowest costs possible, maximum returns and minimum tax implications?

Estate planning: Should I transfer my farm to company or trust?

I'd like to transfer my farm into a vehicle to preserve it for my children. I'm told trusts are tax unfriendly.

We’ve moved to a more conservative strategy, less aggressive

Long-term investing: ‘We tell clients if you stay invested, you will actually work through those losses and get your gains again’ - Suzean Haumann, financial advisor at Brenthurst Wealth.

Can we use trusts to save for an investment property?

A group is committed to collectively saving R45k per month for a year, to purchase an investment property cash.

Will a donation to my spouse trigger capital gains tax?

I'm married out of community of property and would like to donate unit trusts to my spouse.

Stay in the market long term, ignore the noise

Get a good financial plan, good-quality funds, have a long-term investment goal and keep your eye on the prize: Reece Morrison, financial advisor at Masthead Financial Planning.

How does Reg 28 and the grandfather clause affect my portfolio?

My portfolio needs to be rebalanced, as it's no longer protected under the grandfather clause. What happens if I contravene Regulation 28?

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.

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?

Set up a trust to save tax? It may not work anymore

Should we use trusts to hold shares in companies, particularly now with the new rules on trusts? What is the best tax-wise? - Reader’s question answered.

Can we use trusts to save for an investment property?

A group is committed to collectively saving R45k per month for a year, to purchase an investment property cash.

Estate planning: Should I transfer my farm to company or trust?

I'd like to transfer my farm into a vehicle to preserve it for my children. I'm told trusts are tax unfriendly.

The tax implications of trading forex for a living

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

The best place to park your cash

What are the best places to park cash (and perhaps in what currency) for an investment return?

How do I construct a portfolio to live off?

I’m 25 years old, have a long-term investment horizon, looking for adequate returns and gains on capital. I have the following investments...

How should I invest my R1.5m for retirement?

What kind of investment would you recommend with the lowest costs possible, maximum returns and minimum tax implications?

I’m emigrating, what happens to my provident fund?

I can't decide if I should invest it here in SA, or overseas, and I don't know what the tax implications are….

What are the tax implications of a cash gift?

I've received large sum of money from a friend in the US as a graduation gift. I don't receive enough income to pay tax currently.

Independent advisors vs ‘tied’ financial organisations

'Independence allows me the space to find the appropriate solution for a client' - Craig Gradidge, Gradidge-Mahura Investments.

How do I become financially independent in a decade?

What sort of capital investment and monthly contribution would be realistic in achieving this goal?

Where do I invest my R150 000 lump sum?

I have R 150 000 that I'd like to invest into a compound interest account and then contribute R4 000 monthly to it. What would be the best option for me, that would also allow access to my money when I need it?

I’m 50: Is it too late to start saving for retirement?

I have never had the luxury to save for my retirement. I want to contribute to a fund now: is this possible?

What is the most tax-efficient way to sell a property in a trust?

... and where do I invest the proceeds if I'm planning to retire in 5-10 years?

Investing for escalating education expenses

What is the best investment strategy to save for our children’s future education expenses (nursery to high school) from birth and, if you’re starting to invest late, for those already in school?

Can I afford to retire early?

Will I be OK to retire next year at 61, take R500 000 tax free and invest the balance with 4% monthly as an income?

Tax on share portfolios versus unit trusts

Are share portfolios becoming tax dinosaurs when, with collective investment schemes, you get the same thing but pay far less tax?

Do I invest my money or store it under the mattress?

The R400 000 I invested is now worth R383 000 a year later. We are 50 years old, and don’t have a lot of time left to contribute towards our pension….

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