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Insurance Investments Medical Cover Personal Finance Retirement Tax Unit Trusts

Is a low-risk investment for you?

1 answered

/ 20 July 2017 22

I'm looking for the highest returns on low-risk investments in South Africa....

Investments

GEPF employee: Do I retire or resign?

1 answered

/ 18 July 2017 13

I am due to retire from the GEPF in three years’ time at 65. Which would be the best: to retire, or resign and invest my lump sum in forex and offshore?

Retirement

We high-five when we save one basis point for our clients

Answered by: Ryk van Niekerk / 13 July 2017 4

Stephen Katzenellenbogen on asset allocation, building a balanced portfolio, NFB's fee structure and making cost savings for clients.

Inheritance: Do we opt for a trust for minors?

1 answered

/ 13 July 2017 24

Our parents passed away and left us R875 000 each, to be used for our children's studies. Should we consider a trust?

Investments

I’m about to reach 65 – do I resign or retire?

1 answered

/ 11 July 2017 30

I have two options, namely retirement or resignation from government service.

Retirement

Financial services’ trust deficit hinders acquisition of black middle class customers

6 July 2017 13

Dez Tswaile of Masthead on its core services offered, fee structure, investment philosophy and gaining the trust of clients.

What happens to a pension payout on dismissal?

1 answered

/ 6 July 2017 23

Does the pension payout include both employee’s and employer’s pension contribution?

Retirement

Average living annuity drawdown is 7.8%

4 July 2017 34

Wouter Fourie of Ascor on trends in living and life annuities and the right question to ask when sitting down with your financial planner.

Investing in shares: How do I minimise fees, tax?

1 answered

/ 4 July 2017 49

I'd like to invest in shares on the JSE, across all sectors, monthly. How do I minimise fees and what are the tax implications?

Investments Unit Trusts

Do I invest in a guaranteed investment plan or annuity?

1 answered

/ 29 June 2017 34

Please advise on an investment vehicle for a R1.5m lump sum. I’ll need to supplement my monthly pension from NJMPF.

Retirement

I’m 50: Is it too late to start saving for retirement?

2 answered

/ 27 June 2017 58

I have never had the luxury to save for my retirement. I want to contribute to a fund now: is this possible?

Retirement

I’m emigrating, what happens to my provident fund?

1 answered

/ 22 June 2017 71

I can't decide if I should invest it here in SA, or overseas, and I don't know what the tax implications are….

Retirement Tax

The tax implications of trading forex for a living

1 answered

/ 20 June 2017 83

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

Tax

Do I invest my money or store it under the mattress?

1 answered

/ 15 June 2017 56

The R400 000 I invested is now worth R383 000 a year later. We are 50 years old, and don’t have a lot of time left to contribute towards our pension….

Investments Retirement

Are my investments headed in the right direction?

1 answered

/ 13 June 2017 12

I am 26 years old...I have a tax-free savings account with FNB, a rental property and some other investments....

Investments

‘We use economies of scale to drive down costs’

Answered by: Ryk van Niekerk / 9 June 2017 15

Peter Nurcombe-Thorne on the family office concept, Rosebank Wealth's fee structure, his investment strategy and the role of non-financial assets in business and property.

Is my life policy ‘chosen lump sum’ what I think it is?

1 answered

/ 8 June 2017 17

Is my 'chosen lump sum' the R1 million cover listed in my policy? Will my wife get this if I die in 41 years’ time?

Insurance

Managing a unit trust portfolio in uncertain times

1 answered

/ 6 June 2017 21

I recently inherited a large sum of money - have I invested it in the right unit trust?

Investments Unit Trusts

I’m 62: what do I do with my RA?

1 answered

/ 1 June 2017 26

I'm considering early retirement when I turn 62 next year. How do I deal with my retirement annuities?

Retirement

You can’t pick every year’s winner

Answered by: Ryk van Niekerk / 30 May 2017 6

Martin de Kock of Ascor on fee structure, managing client expectations and medical aid for middle class families.

Set up a trust to save tax? It may not work anymore

1 answered

/ 9 May 2017 115

Should we use trusts to hold shares in companies, particularly now with the new rules on trusts? What is the best tax-wise? - Reader’s question answered.

Investments

The tax implications of trading forex for a living

1 answered

/ 20 June 2017 83

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

Tax

The best place to park your cash

1 answered

/ 23 May 2017 76

What are the best places to park cash (and perhaps in what currency) for an investment return?

How do I construct a portfolio to live off?

1 answered

/ 25 May 2017 76

I’m 25 years old, have a long-term investment horizon, looking for adequate returns and gains on capital. I have the following investments...

Investments

I’m emigrating, what happens to my provident fund?

1 answered

/ 22 June 2017 71

I can't decide if I should invest it here in SA, or overseas, and I don't know what the tax implications are….

Retirement Tax

Independent advisors vs ‘tied’ financial organisations

Answered by: Ryk van Niekerk / 21 February 2017 71

'Independence allows me the space to find the appropriate solution for a client' - Craig Gradidge, Gradidge-Mahura Investments.

I’m 50: Is it too late to start saving for retirement?

2 answered

/ 27 June 2017 58

I have never had the luxury to save for my retirement. I want to contribute to a fund now: is this possible?

Retirement

Where do I invest my R150 000 lump sum?

1 answered

/ 16 May 2017 56

I have R 150 000 that I'd like to invest into a compound interest account and then contribute R4 000 monthly to it. What would be the best option for me, that would also allow access to my money when I need it?

Investments

Do I invest my money or store it under the mattress?

1 answered

/ 15 June 2017 56

The R400 000 I invested is now worth R383 000 a year later. We are 50 years old, and don’t have a lot of time left to contribute towards our pension….

Investments Retirement

Tax on share portfolios versus unit trusts

1 answered

/ 30 May 2017 56

Are share portfolios becoming tax dinosaurs when, with collective investment schemes, you get the same thing but pay far less tax?

Tax Unit Trusts

Investing for escalating education expenses

1 answered

/ 4 May 2017 56

What is the best investment strategy to save for our children’s future education expenses (nursery to high school) from birth and, if you’re starting to invest late, for those already in school?

Investments

Investing in shares: How do I minimise fees, tax?

1 answered

/ 4 July 2017 49

I'd like to invest in shares on the JSE, across all sectors, monthly. How do I minimise fees and what are the tax implications?

Investments Unit Trusts

Managing household expenses in tough economic times

29 April 2017 48

During economic hardship, try to limit your exposure to debt as much as possible.

Average living annuity drawdown is 7.8%

4 July 2017 34

Wouter Fourie of Ascor on trends in living and life annuities and the right question to ask when sitting down with your financial planner.

Do I invest in a guaranteed investment plan or annuity?

1 answered

/ 29 June 2017 34

Please advise on an investment vehicle for a R1.5m lump sum. I’ll need to supplement my monthly pension from NJMPF.

Retirement

Can I transfer my maturity funds into an RA?

5 April 2017 31

Reader's question answered.

How to manage multiple RAs

24 October 2016 31

Factors to consider when saving with GEPF. Reader's question answered.

Retirement

How best to invest rental income

14 November 2016 31

Moneyweb reader’s question answered.

Investments

I’m about to reach 65 – do I resign or retire?

1 answered

/ 11 July 2017 30

I have two options, namely retirement or resignation from government service.

Retirement

The changing role of financial advisors

Answered by: Ryk van Niekerk / 4 May 2017 27

I wouldn’t exclude equity but I would definitely not allocate as much as I did in the past given the volatility of those shares – Renee Eagar.

Moneyweb Investor Issue 26

Yes, recession is stifling the economy and dirty politics darkens our discourse, but that is today. There are those who are planning for a better, brighter tomorrow. We talk to Chris van der Merwe, founder of Curro, about how he plans to transform tertiary education for the greater good with his new company, Stadio.

Read online

Currently trending:

Debunking 'monopoly capital'

Jerry Schuitema / 21 July 2017

Refocusing on the essence of creating wealth and value for all. 13 29

In Depth:

Is it time to consider European sovereign debt?

RMB structures landmark deal for Sibanye Gold

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