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Can South Africans contribute to an offshore annuity?

3 Mar 2021
Reader asks what options are available.

Can I borrow against my paid-up home?

2 Mar 2021
While you are able to apply to borrow against your property, there are dangers in doing so.

Bank or insurance company: Which is best to preserve your provident fund?

25 Feb 2021
The company is not as important as the financial planner who is going to manage your funds for you.

Is it a good idea to invest in the SA property market?

24 Feb 2021
On a valuation basis property does show upside potential, but there is a large degree of uncertainty.

Buy additional years of pensionable service, or put money into an RA?

23 Feb 2021
And what are the pros and cons of both?

What’s the best way to contribute R1m to the purchase of a house in the UK for my child?

18 Feb 2021
And am I able to have part ownership of the house, which may, as a secondary consideration, avoid donation tax?

At 77, is it better to invest R5m with African Bank or in a share portfolio?

17 Feb 2021
When deciding, you need to consider the risk to the capital over time, accessibility to capital during the investment term and the tax implications of the investment.

Is my one-third payout from a RA protected from creditors?

16 Feb 2021
Once funds are withdrawn, they are no longer governed by the Pension Fund Act and therefore don't enjoy protection from creditors.

How much capital do I need to retire early?

UPDATE
11 Feb 2021
I would like a monthly interest payout of R50 000 after tax.

When a company is delisted and liquidated, does this trigger a tax event?

10 Feb 2021
And could I claim losses against my capital gains in the respective tax year?

How can I ensure my life policies and pension get paid into a testamentary trust?

9 Feb 2021
There's no perfect solution, but here are some options....

Is it advisable to invest in crowd farming?

27 Jan 2021
As with any other investment, it is important to fully understand the risks involved.

Should I keep my emergency fund in my bond?

26 Jan 2021
Or are there better investments I could make?

How can I buy Netflix and Amazon shares in South Africa?

19 Jan 2021
Finding a platform is easy enough, it’s picking the sector and the individual stocks within that sector that is more tricky.

If you breach Regulation 28 limits, how long do you have to rectify it?

14 Jan 2021
And if you don't rectify the breach, what are the implications?

Should I sell my RMH shares or hold on to them?

13 Jan 2021
If you sell your stock, you will realise the 46% loss.

Can a parent claim for a loan repayment against their child’s joint estate?

12 Jan 2021
She married in community of property and is now getting divorced.

What’s the best way to invest R10k for my son’s university education?

23 Dec 2020
And which unit trust fund would be best should I want to invest one?

I’m R205k in debt. How do I become debt-free?

22 Dec 2020
You may need to consider applying for debt counselling.

I’m under debt review. Can I withdraw cash from my pension to buy a house?

18 Dec 2020
The only time you may access these funds is if you leave your employer.

Will I be able to draw all the cash from my pension preservation fund after March 2021?

17 Nov 2020
The scheduled tax legislation change relates specifically to provident preservation funds.

Should I take up government’s early retirement offer?

30 Aug 2019
A major concern when considering an annuity income relates to the growth rate assumptions.

How do I invest for a R20 000 monthly income?

20 Mar 2018
Three of the biggest risks someone close to, or at retirement faces: longevity, inflation, and the underlying investment assets.

Should I keep my life savings in my bond?

4 Feb 2020
The question of paying off debt or contributing to retirement savings is something many South Africans wonder about.

Where is it best to invest R3m?

13 Sep 2019
Several things need to be considered; staying focused on your long-term objective – retirement – is important.

How does UIF work?

17 Aug 2017
My husband has been employed by Portnet for about 30 years. He wants to retire early - will he qualify for UIF?

How do I invest for a R38 000 pm income?

21 Feb 2018
I will have R7.2 million in a pension fund when I retire in April 2019.

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

12 Feb 2020
Asset allocation will play a big role in your investment/retirement outcome.

How can I repay my home loan more quickly?

4 Jun 2020
Settling your other debt could free additional cash flow, which can then go towards your home loan.

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

13 Jul 2018
I cannot take a lot of risk, as this is all the money I have.

How do I invest my pension when I retire?

18 Mar 2019
Two important questions to consider: will you take the allowable cash portion, and what annuity type is most suitable?

Can I safely invest with FedGroup?

UPDATE
27 Jul 2017
Update: FedGroup responds. 'I’m a pensioner with R1.5 million to invest – would it be safe with FedGroup’s bond participation scheme?'

Is the Easy Equities platform best?

13 Oct 2020
And what other platforms encourage investors to invest in a cheaper way?

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

18 Dec 2018
A combination of income funds run by respected asset managers may be one of the safest forms of investment, other than cash.

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

10 Feb 2020
Various available investment options will outperform cash over time.

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.

Is rental property still a good investment?

20 May 2020
There are several high-level considerations when deciding whether or not a rental property is a good investment.

The tax implications of trading forex for a living

20 Jun 2017
What are Sars’ tax requirements on forex trading? It will be my sole income.

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

10 Sep 2020
The decision is not as simple as one might think.

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

23 Jun 2020
Investment plans have to be carefully customised to each investor’s specific requirements.
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