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Home    Ask an Advisor

What are the tax implications of our mom giving us our inheritance out of the sale of her property?

21 Oct 2021
Capital gains tax and donations tax need to be considered.

Should I invest in a South African RA if I will be emigrating in the next two years?

19 Oct 2021
Would it be wiser to invest in a tax-free savings account or a normal investment account?

How can I invest R2.5m in such a way that it’s all gone when I die?

23 Sep 2021
And how much can I draw down from this investment?

Does a divorced spouse benefit from the sale of a deceased ex’s property?

22 Sep 2021
Both parties are still registered as co-owners of the property.

How much do I need to invest to receive a monthly income of R10k over 10 years?

21 Sep 2021
After 10 years, the initial amount should still be available.

Does a unit trust fall outside a deceased estate?

14 Sep 2021
Unit trusts form part of the deceased estate and will need to be included in the J243 inventory showing all the assets.

How long does it take to dematerialise and sell shares when winding up an estate?

8 Sep 2021
It can take several months since the share certificates will be in a holding position while the various processes associated with winding up an estate unfold.

Am I forced to bring funds from my offshore RA back to SA?

7 Sep 2021
I wish to keep the RA offshore and then purchase an offshore-based annuity.

Income fund vs RSA retail bonds: Which can offer a pensioner decent interest?

2 Sep 2021
Without knowing how much you need on a monthly basis to cover your living expenses, it is difficult to advise the most appropriate investment for your lump sum.

What are the penalties for accessing your RA before the maturity date?

1 Sep 2021
I'm planning to emigrate before the end of the year and wondering if it would be prudent to stop the contributions now and gain access to the funds.

Can a testamentary trust purchase a vehicle for the guardian to drive?

31 Aug 2021
If circumstances are such that a car needs to be purchased for the benefit of the minor children, and the powers given to the trustees are wide-ranging enough, it is possible.

Can I claim from the Guardian’s Fund at 18?

26 Aug 2021
Once a beneficiary has reached the age of majority, they are able to claim the invested money as well as the accrued interest.

I won R3m in the lotto. How should I invest it?

25 Aug 2021
In choosing where to invest, you need to consider factors such as inflation, current interest rates, your investment timeframe, and your risk appetite.

RA or ETF: Which is best for someone who does not get an RA’s tax benefit?

19 Aug 2021
If there is no tax benefit to an investor, then I do believe there are more suitable structures to invest in.

What can I invest R500k in to get R5k a month and still keep my investment as is?

18 Aug 2021
In the current environment, the best match with your requirements would be either a ‘variable income’ or a ‘multi-asset income’ unit trust fund.

Can I withdraw funds from my pension fund to settle my medical bills?

17 Aug 2021
We recommend that you stop the transfer process of your pension fund as soon as possible if you are able to, and rather take a cash withdrawal directly from the fund.

Where can I invest R500k for five years?

12 Aug 2021
You may want to consider investing the money offshore as a diversification and risk mitigation measure.

Can I get a special dispensation to withdraw R350k from my living annuity?

11 Aug 2021
It has a value of just over R2m, and I need the money to settle my bond.

How would you spread R1m to ensure decent dollar-cost-averaging?

5 Aug 2021
And what would you do with the funds in the short term?

Will retirement fund pay a lump sum of husband’s annuity if we agree to it in our divorce?

4 Aug 2021
It is paramount that you understand your rights at divorce and be aware of certain legislation that is applicable to your particular situation.

With R800K, what monthly income can I expect if I want an income until I pass on?

2 Jun 2021
And will the balance fall away when I pass on?

Under the new pension regulations, can you borrow money from your provident fund?

15 Apr 2021
You can borrow funds to buy a property, renovate a property, pay off a housing loan, or to guarantee a housing loan. You cannot use the funds for any other purpose.

How much do I need to invest to receive a monthly income of R10k over 10 years?

21 Sep 2021
After 10 years, the initial amount should still be available.

What’s the most tax-efficient way to build wealth through property?

17 Mar 2021
Personal ownership, a trust, or company: there are certain advantages and disadvantages in how you structure your portfolio.

What can I invest R158k in to receive R5k income monthly?

16 Mar 2021
Of three options on what to do with your RA funds, a life annuity would give you the highest probability of income certainty – but not at the required level.

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.

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.

What can I invest R500k in to get R5k a month and still keep my investment as is?

18 Aug 2021
In the current environment, the best match with your requirements would be either a ‘variable income’ or a ‘multi-asset income’ unit trust fund.

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.

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?

Can I transfer my GEPF pension fund into a private living annuity at retirement?

14 Apr 2021
If so, are there any tax consequences to consider?

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 much do I need to invest for a monthly income below the tax threshold?

25 Mar 2021   /  2 answered
Two advisors tackle this reader's question.

Is the Easy Equities platform best?

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

How can I invest R15m to get a monthly income of R50k?

17 Jun 2021
Retirement planning isn't something that can be done once; it's an individual investment discipline that considers the relevant facts on an ongoing basis.

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