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Estate planning Insurance Investments Medical Cover Personal Finance Retirement Tax Unit Trusts

Which is more tax-effective: putting R1.5m in a unit trust or my access bond?

23 Sep 2020 / By Devon Card

A third option exists that may be the perfect solution.

Personal Finance Tax Unit Trusts

Can all my investment allocations in my provident fund be invested offshore?

22 Sep 2020 / By Willem Basson

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.

Investments Personal Finance Retirement Tax

What are the tax implications of transferring my RAs into a living annuity?

17 Sep 2020 / By Adam Bacher

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

Personal Finance Retirement Tax

Can I split my retirement savings into two living annuities without incurring tax?

16 Sep 2020 / By Elke Brink

It's not necessary – diversification can also be achieved within one vehicle.

Personal Finance Retirement Tax

How would an offshore dividend be taxed?

15 Sep 2020 / By Trevor Lee

Most foreign dividends are taxable at a maximum effective rate of 20% via the normal tax system.

Investments Personal Finance Tax

Would it be better to invest R500k or deposit it into my bond?

10 Sep 2020 / By Michael Haldene

The decision is not as simple as one might think.

Investments Personal Finance

If a minor inherits immovable property, can it be managed by their guardian?

9 Sep 2020 / By Gareth Collier

And how many immovable properties can be bequeathed without needing to pay transfer duty?

Estate planning Personal Finance

Should I invest in overseas feeder funds or overseas rental property?

8 Sep 2020 / By Trevor Lee

The two differ significantly in terms of risk, possible returns and diversification opportunities.

Investments Personal Finance Unit Trusts

Can I reduce my monthly bond premium instead of the repayment term?

3 Sep 2020 / By Devon Card

You can. After making your lump sum payment, inform your bank that you want your monthly premiums adjusted accordingly.

Personal Finance

Should I invest my emergency fund in a tax-free investment while I look for work?

2 Sep 2020 / By Mauro Forlin

Whichever product you choose, you should be able to access it when necessary and it shouldn't be exposed to the volatility of the listed share markets.

Investments Personal Finance Tax

What are the tax implications of my business making donations to a trust?

1 Sep 2020 / By Eric Jordaan

Before making donations from funds in your CC, make your tax-deductible contribution to a retirement fund.

Estate planning Tax

Where can I open a tax-free investment where I benefit from compound interest?

13 Aug 2020 / By Elke Brink

Investing with a wealth manager on an investment platform and following a unit trust approach is one option.

When I die, will stocks held in a US stock exchange through a UK bank be regarded as US or UK assets?

12 Aug 2020 / By Devon Card

The location of the asset, not the stockbroking account, is what counts.

Estate planning Investments Personal Finance

Will a dollar/pound investment safeguard the value of my money?

11 Aug 2020 / By Jesse Morgans

Foreign cash in the bank is likely to face the headwinds of inflation, low-interest rates and potential costs.

Investments Personal Finance

My husband’s preservation fund interest is low. What are the alternatives?

6 Aug 2020 / By Stephen Katzenellenbogen

The first step is to determine whether the current asset allocation is appropriate.

Personal Finance Retirement

Should I invest R1m in a balanced unit trust for medical expenses?

5 Aug 2020 / By Michael Haldene

If I go through with this, I would then cancel my medical aid.

Medical Cover Personal Finance Retirement

What are the tax implications of transferring a farm into a company?

4 Aug 2020 / By Eric Jordaan

The first consideration is how the transfer will be effected.

Estate planning Tax

Is the value of a living annuity included in the calculation of executors’ fees?

30 Jul 2020 / By Gareth Collier

The only instance where such fees may be charged is where no beneficiary is nominated to the living annuity.

Estate planning Personal Finance Retirement

Is it wise to invest R1m of my pension in fixed assets for five years?

29 Jul 2020 / By Jesse Morgans

Investing in fixed income instruments over a long period could lead to higher longevity risk for retired investors.

Investments Personal Finance Retirement

Is a tax-free fixed deposit the best way to use my tax-free allowance?

28 Jul 2020 / By Elke Brink

Or should I invest in a unit trust or ETF portfolio?

Investments Personal Finance Tax

Should I take up government’s early retirement offer?

30 Aug 2019 / By Devon Card

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

Should I keep my life savings in my bond?

4 Feb 2020 / By Jesse Morgans

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

Investments Personal Finance Retirement

How do I invest for a R20 000 monthly income?

20 Mar 2018 / By Sonia du Plessis

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

Investments Retirement

Where is it best to invest R3m?

13 Sep 2019 / By Elke Brink

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

Investments Tax

How does UIF work?

17 Aug 2017 / By Mark Swanepoel

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

I’m 52 and haven’t saved enough for retirement. Is it too late?

12 Feb 2020 / By Stephen Katzenellenbogen

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

Investments Personal Finance Retirement

How do I invest for a R38 000 pm income?

21 Feb 2018 / By Melony Jacoby

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

Retirement

How can I repay my home loan more quickly?

4 Jun 2020 / By Gareth Collier

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

Investments Personal Finance

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

13 Jul 2018 / By Herman Klopper

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

Investments Personal Finance Retirement

How do I invest my pension when I retire?

18 Mar 2019 / By Michael Haldane

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

Retirement

Can I safely invest with FedGroup?

UPDATE

27 Jul 2017 / By Craig Gradidge

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

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

18 Dec 2018 / By Richus Nel

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

Is it necessary to invest in property to build wealth?

11 Jul 2019

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

Investments

Is rental property still a good investment?

20 May 2020 / By Eric Jordaan

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

Investments Personal Finance

I have R500k in the bank. What should I invest in?

10 Feb 2020 / By Martin de Kock

Various available investment options will outperform cash over time.

Investments Personal Finance Unit Trusts

The tax implications of trading forex for a living

20 Jun 2017 / By David Kop

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

Tax

Would it be better to invest R500k or deposit it into my bond?

10 Sep 2020 / By Michael Haldene

The decision is not as simple as one might think.

Investments Personal Finance

I’m 75 with no pension. How can I invest R750k to generate income?

23 Jun 2020 / By Mauro Forlin

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

Investments Personal Finance Retirement

What low-risk, high-return investment vehicle can boost savings?

7 Jan 2020 / By Elke Brink

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

Investments

What access do you have to your retirement money?

12 Jan 2018 / By Mike Lombard

Can you access more than one third of your pension fund and do you have to buy into a retirement annuity?

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