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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, and a private company is better. What's best?

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?

TFSAs: Do transfers, dividend reinvestment affect limits?

Does selling one ETF to reinvest in another, reinvesting dividends or withdrawing affect TFSA limits?

‘Performance, convenience and low fees’

'We are trying to assist the man on the street to understand their investments and help them with their financial goals' - Igor Rodionov, MD and founder of Advicement Investment Services.

Will GEPF account for my Transkei government pension fund savings?

How will the GEPF calculate my pension when I retire?

How do executor fees work?

In the executor's draft for my late father's estate settlement, are the 3.5% fees from the total assets or the net assets?

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?

Giving advice when scepticism is the norm

Sibonelo Ngema, of Masthead Financial Planning, on investing in times of uncertainty, understanding implications of excessive drawdowns, and risk planning.

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?

‘Buy low but stay conservative’

Esmerie Pienaar of Brenthurst shares advice for the investing public and navigating funds as a boutique asset manager.

Grandparent’s funds: A tax- and cost-efficient strategy

I have an ailing grandparent with R20 million, who requires a small monthly income and wants beneficiaries to inherit directly....

What endurance sport can teach about giving financial advice

Kyle O’Haher, founder of Comprehensive Wealth, on bringing sport discipline into business, client relationships, a fixed-income investment product and more.

What do we do with our old Fundisa savings?

Fundisa has been changed to target families earning under R180 000 per annum.

Can I use my pension to buy a house and business?

I'm thinking of resigning and buying two taxis and a mobile salon for my wife. Is this wise?

I’ve sold my house: How do I invest the proceeds?

I want to use the proceeds for my daughter’s studies, or else as a deposit in two years’ time.

Is Regulation 28 detrimental to young people?

Siba Njoba, Masthead financial planner, on constructing a RA for someone in their 30s.

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.

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...

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….

Independent advisors vs ‘tied’ financial organisations

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

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?

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?

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….

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?

How do executor fees work?

In the executor's draft for my late father's estate settlement, are the 3.5% fees from the total assets or the net assets?

How can I build an ‘extra fund’ to retire early?

I’m 22 and would like an ‘extra fund’ to use to retire early, buy an investment property, travel or start a business.

Investing in shares: How do I minimise fees, tax?

I'd like to invest in shares on the JSE, across all sectors, monthly. How do I minimise fees and what are the tax implications?

Managing household expenses in tough economic times

During economic hardship, try to limit your exposure to debt as much as possible.

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?

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?'

I’ve sold my house: How do I invest the proceeds?

I want to use the proceeds for my daughter’s studies, or else as a deposit in two years’ time.

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