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Capital gains tax and donations tax need to be considered.

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

And how much can I draw down from this investment?

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

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

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

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.

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

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.

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.

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.

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

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

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

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

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.

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

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

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

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

And will the balance fall away when I pass on?

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.

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

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

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.

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

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

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

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

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

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

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

If so, are there any tax consequences to consider?

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

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

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

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

Two advisors tackle this reader's question.

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

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.