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

Can South Africans contribute to an offshore annuity?

3 Mar 2021 / By Michael Haldene

Reader asks what options are available.

Investments Personal Finance Retirement

Can I borrow against my paid-up home?

2 Mar 2021 / By Craig Torr

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

Personal Finance

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

25 Feb 2021 / By Toy Meyer

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

Investments Personal Finance Retirement

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

24 Feb 2021 / By Elke Brink

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

Investments Personal Finance Tax

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

23 Feb 2021 / By Eric Jordaan

And what are the pros and cons of both?

Personal Finance Retirement

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

18 Feb 2021 / By Devon Card

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

Personal Finance Tax

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

17 Feb 2021 / By Mauro Forlin

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.

Investments Personal Finance Retirement

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

16 Feb 2021 / By Gareth Collier

Once funds are withdrawn, they are no longer governed by the Pension Fund Act and therefore don't enjoy protection from creditors.

Personal Finance Retirement

How much capital do I need to retire early?

UPDATE

11 Feb 2021 / By Stephen Katzenellenbogen

I would like a monthly interest payout of R50 000 after tax.

Investments Personal Finance Retirement Tax

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

10 Feb 2021 / By Jesse Morgans

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

Investments Tax

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

9 Feb 2021 / By Rick Briers-Danks

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

Estate planning Personal Finance

Is it advisable to invest in crowd farming?

27 Jan 2021 / By Gareth Collier

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

Investments Personal Finance

Should I keep my emergency fund in my bond?

26 Jan 2021 / By Thulisile Nkomo

Or are there better investments I could make?

Investments Personal Finance

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

19 Jan 2021 / By Trent Hodges

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

Investments Personal Finance

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

14 Jan 2021 / By Mauro Forlin

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

Investments Personal Finance Retirement

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

13 Jan 2021 / By Trent Hodges

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

Investments Personal Finance

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

12 Jan 2021 / By Eric Jordaan

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

Estate planning Personal Finance

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

23 Dec 2020 / By Elke Brink

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

Investments Personal Finance Unit Trusts

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

22 Dec 2020 / By Jesse Morgans

You may need to consider applying for debt counselling.

Personal Finance

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

18 Dec 2020 / By Craig Torr

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

Personal Finance Retirement

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

17 Nov 2020 / By Devon Card

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

Personal Finance Retirement 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.

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

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

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?

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

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 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

Is the Easy Equities platform best?

13 Oct 2020 / By Trent Hodges

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

Investments Personal Finance

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

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

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

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

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