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What low-risk, high-return investment vehicle can boost savings?

What low-risk, high-return investment vehicle can boost savings?

1 answered

  /  7 January 2020    186
Higher returns require taking on more volatility and riding out market cycles.
Investments
How do I invest in property outside SA?

How do I invest in property outside SA?

1 answered

  /  11 October 2019    108
Buying property offshore might be quite rewarding, but there are some risks to be aware of.
Investments
Can value loss in pre-retirement investments normalise after upswings?

Can value loss in pre-retirement investments normalise after upswings?

1 answered

  /  23 September 2019    49
The optimal solution is a well-thought-out balancing act.
Retirement
Can I get tax benefits from contributing to my kids’ RAs?

Can I get tax benefits from contributing to my kids’ RAs?

1 answered

  /  19 September 2019    63
Considerations when contributing toward retirement annuities and other long-term investments for your children.
Retirement Tax
Where is it best to invest R3m?

Where is it best to invest R3m?

1 answered

  /  13 September 2019    383
Several things need to be considered; staying focused on your long-term objective – retirement – is important.
Investments Tax
Is there a tax-saving route to financial emigration?

Is there a tax-saving route to financial emigration?

1 answered

  /  9 September 2019    150
If I proceed with financial emigration to Mauritius, will I still be personally liable for capital gains tax on the shares I hold in a company?
Tax
Will I be taxed for contributions to a new business?

Will I be taxed for contributions to a new business?

1 answered

  /  6 September 2019    43
Tax implications will depend on the nature of the business and how you structure the investment.
Tax
How do I choose the best living annuity, return-wise?

How do I choose the best living annuity, return-wise?

1 answered

  /  5 September 2019    55
Avoid picking funds purely on performance – simply going for last year’s winners or losers isn't a fund-selection process.
Retirement Unit Trusts
Trusts: do I have funds due to me as a beneficiary?

Trusts: do I have funds due to me as a beneficiary?

1 answered

  /  2 September 2019    37
Sign a letter of authority and send it to all investment providers to ascertain if there are any investments in your name.
Estate planning
Should I take up government’s early retirement offer?

Should I take up government’s early retirement offer?

1 answered

  /  30 August 2019    448
A major concern when considering an annuity income relates to the growth rate assumptions.
How will I be taxed on unit trust withdrawals?

How will I be taxed on unit trust withdrawals?

1 answered

  /  7 August 2019    79
Local unit trusts generally attract dividend and interest taxes and possibly capital gains tax on withdrawal.
Investments Retirement
How best do I invest for my grandchildren?

How best do I invest for my grandchildren?

1 answered

  /  1 August 2019    21
Investing into one or two individual shares exposes you to significant risk.
Investments
Do I still pay my RA advisor’s fees if he’s no longer practising?

Do I still pay my RA advisor’s fees if he’s no longer practising?

1 answered

  /  29 July 2019    29
The fee would not automatically stop, but you do have options.
Investments Retirement
I’m 69 and working. How do I gain more tax relief?

I’m 69 and working. How do I gain more tax relief?

1 answered

  /  25 July 2019    75
A look at how to benefit from medical aid and retirement annuity contributions.
Retirement Tax
Do the default regulations allow me to transfer my pension fund?

Do the default regulations allow me to transfer my pension fund?

1 answered

  /  24 July 2019    88
Yes – but consider investment fees, fund performance, risk tolerance and investment horizon.
Retirement
Should I invest a lump sum or contribute monthly?

Should I invest a lump sum or contribute monthly?

1 answered

  /  22 July 2019    69
The amount of time you spend in the market and the frequency with which you invest are two important factors to consider.
Investments Tax
How do I become debt-free?

How do I become debt-free?

1 answered

  /  19 July 2019    57
If the interest rate on your car loan is higher than that of your home loan, consider using your access bond to pay off your vehicle in full.
Personal Finance Retirement
Is it necessary to invest in property to build wealth?

Is it necessary to invest in property to build wealth?

1 answered

  /  11 July 2019    250
'The big money is not in the buying or the selling, but in the waiting' - Charlie Munger.
Investments
How do I best invest my R6m lump sum from the RAF?

How do I best invest my R6m lump sum from the RAF?

1 answered

  /  29 June 2019    139
Consider the emotional benefits of owning your own home without the anxiety of paying off a bond.
Investments Retirement Tax
Is it worth getting a loan in order to invest?

Is it worth getting a loan in order to invest?

1 answered

  /  26 June 2019    24
A preferable solution would be to invest a monthly amount into a unit trust portfolio or your retirement fund.
Investments
Should I take up government’s early retirement offer?

Should I take up government’s early retirement offer?

1 answered

  /  30 August 2019    448
A major concern when considering an annuity income relates to the growth rate assumptions.
Where is it best to invest R3m?

Where is it best to invest R3m?

1 answered

  /  13 September 2019    383
Several things need to be considered; staying focused on your long-term objective – retirement – is important.
Investments Tax
How do I invest for a R20 000 monthly income?

How do I invest for a R20 000 monthly income?

1 answered

  /  20 March 2018    366
Three of the biggest risks someone close to, or at retirement faces: longevity, inflation, and the underlying investment assets.
Investments Retirement
How do I invest for a R38 000 pm income?

How do I invest for a R38 000 pm income?

1 answered

  /  21 February 2018    341
I will have R7.2 million in a pension fund when I retire in April 2019.
Retirement
How does UIF work?

How does UIF work?

17 August 2017    335
My husband has been employed by Portnet for about 30 years. He wants to retire early - will he qualify for UIF?
How should I invest R1.2m for a monthly income at retirement?

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

1 answered

  /  13 July 2018    253
I cannot take a lot of risk, as this is all the money I have.
Investments Personal Finance Retirement
Is it necessary to invest in property to build wealth?

Is it necessary to invest in property to build wealth?

1 answered

  /  11 July 2019    250
'The big money is not in the buying or the selling, but in the waiting' - Charlie Munger.
Investments
Can I safely invest with FedGroup?

Can I safely invest with FedGroup?

UPDATE

1 answered

  /  27 July 2017    237
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
What’s better: investing in a 30-day notice account or unit trusts?

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

1 answered

  /  18 December 2018    235
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
How do I invest my pension when I retire?

How do I invest my pension when I retire?

1 answered

  /  18 March 2019    227
Two important questions to consider: will you take the allowable cash portion, and what annuity type is most suitable?
Retirement
The tax implications of trading forex for a living

The tax implications of trading forex for a living

1 answered

  /  20 June 2017    193
What are Sars’ tax requirements on forex trading? It will be my sole income.
Tax
What low-risk, high-return investment vehicle can boost savings?

What low-risk, high-return investment vehicle can boost savings?

1 answered

  /  7 January 2020    186
Higher returns require taking on more volatility and riding out market cycles.
Investments
I have R200 000 to invest – where to now?

I have R200 000 to invest – where to now?

1 answered

  /  12 October 2017    184
A Moneyweb reader with a ten-year horizon and a total unencumbered portfolio of almost R13 million asks for investment advice.
Investments Retirement
What access do you have to your retirement money?

What access do you have to your retirement money?

1 answered

  /  12 January 2018    179
Can you access more than one third of your pension fund and do you have to buy into a retirement annuity?
Which unit trusts should my children invest in?

Which unit trusts should my children invest in?

1 answered

  /  4 April 2019    171
Having a long-term view and being overweight in offshore funds is probably best.
Investments
Financial emigration: Should I withdraw my retirement savings?

Financial emigration: Should I withdraw my retirement savings?

UPDATE

1 answered

  /  29 January 2018    169
If I emigrate, I’m considering cashing out my pension as part of the discretionary R1 million allowance.
Retirement Tax
How should a 23-year-old invest their money?

How should a 23-year-old invest their money?

1 answered

  /  31 July 2018    159
Is a retirement annuity, unit trust, or tax-free savings account the way to go?
Insurance Investments Personal Finance Retirement Tax Unit Trusts
What happens to a pension payout on dismissal?

What happens to a pension payout on dismissal?

1 answered

  /  6 July 2017    159
Does the pension payout include both employee’s and employer’s pension contribution?
Retirement
Which is a better option for a 71-year old: fixed deposit or stick to unit trusts?

Which is a better option for a 71-year old: fixed deposit or stick to unit trusts?

1 answered

  /  25 June 2018    155
My flexible investment has taken a big knock and I am very worried as I am now digging into my capital.
Estate planning Investments Personal Finance Retirement Unit Trusts
Is there a tax-saving route to financial emigration?

Is there a tax-saving route to financial emigration?

1 answered

  /  9 September 2019    150
If I proceed with financial emigration to Mauritius, will I still be personally liable for capital gains tax on the shares I hold in a company?
Tax

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