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What should I consider when looking for a retirement annuity?

26 Nov 2020
If this is your only investment you may want to explore splitting across other products to get product, liquidity and tax diversification.

How can I ensure land I donate to my ex doesn’t form part of her marriage?

25 Nov 2020
If your ex is married in community of property, the vacant land you donate will form part of the joint estate – but there are various options open to you.

Is it advisable to draw the max from my LA and reinvest the monies offshore?

24 Nov 2020
There is no benefit to what you are proposing, and the risk of incurring a higher tax liability.

Can I set up a trust fund to pay for my mentally impaired child’s needs?

19 Nov 2020
And can I choose a non-profit organisation as trustee of the fund?

If my LA is invested in foreign portfolios, can my income be paid into a global account?

18 Nov 2020
Foreign exchange control regulations prevent this – but once you receive your income in rands you can transfer it to an offshore bank account.

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.

Is Breck Integrated Investment legit?

12 Nov 2020
It claims the return on your investment can be up to 65% in 30 days.

How do I change my marriage contract from in-community to antenuptial?

11 Nov 2020
A notarial contract, once registered at the Deeds Office, will have the effect of an antenuptial contract.

Living annuities: Is a drawdown best taken from a local fund?

10 Nov 2020
If the aim is to get maximum global exposure and the drawdown is taken 100% from local funds, how much should be invested in the local fund?

Where can I earn the most interest on my capital when saving for a house?

5 Nov 2020
The term of your investment will play a big role in which products are suitable for your circumstances.

Should I contribute more to my bonds or invest offshore?

3 Nov 2020
Comparing the return of your portfolio to the rate you are paying would be the first step to calculate what is best.

Is the Easy Equities platform best?

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

Can we get one life policy to cover a lender and a shareholder?

5 Oct 2020
Such policies are generally taken out between spouses and not found in a business environment – and there is generally no cost benefit compared with taking out separate policies on each life.

Do we have recourse against Ecsponent-punting brokers?

2 Oct 2020
There are several possible steps: lodge a complaint with the brokers. If the outcome's unsatisfactory, approach the ombud. If the loss exceeds R800 000, consider instituting a civil claim.

How do we amend an inter-vivos trust amid lockdown restrictions?

30 Sep 2020
With Covid-19 travel limitations there is no way we can get the necessary documents originally signed by my son.

What is the best way to spend my tax refund?

28 Sep 2020
Putting it into an RA, settling debt, investing in a tax-free unit trust, or using it as a deposit for a money market account?

Should I use most of my provident fund as capital in a new business?

25 Sep 2020
Quantify the business risks: this represents the majority of your pension, and you don't have time on your side to build it up again.

Which is more tax-effective: putting R1.5m in a unit trust or my access bond?

23 Sep 2020
A third option exists that may be the perfect solution.

Can all my investment allocations in my provident fund be invested offshore?

22 Sep 2020
Unfortunately not. The best thing is to look at the total allocation of your provident fund to ensure the maximum of 30% offshore exposure is fully utilised.

What are the tax implications of transferring my RAs into a living annuity?

17 Sep 2020
Transfers to a living annuity are done on a tax-neutral basis, but there are a few things to be aware of.

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.

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.

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.

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.

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?

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 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.

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.

Can I safely invest with FedGroup?

UPDATE
27 Jul 2017
Update: FedGroup responds. 'I’m a pensioner with R1.5 million to invest – would it be safe with FedGroup’s bond participation scheme?'

How do I invest my pension when I retire?

18 Mar 2019
Two important questions to consider: will you take the allowable cash portion, and what annuity type is most suitable?

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

18 Dec 2018
A combination of income funds run by respected asset managers may be one of the safest forms of investment, other than cash.

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.

Is rental property still a good investment?

20 May 2020
There are several high-level considerations when deciding whether or not a rental property is a good investment.

The tax implications of trading forex for a living

20 Jun 2017
What are Sars’ tax requirements on forex trading? It will be my sole income.

I have R500k in the bank. What should I invest in?

10 Feb 2020
Various available investment options will outperform cash over time.

Would it be better to invest R500k or deposit it into my bond?

10 Sep 2020
The decision is not as simple as one might think.

I’m 75 with no pension. How can I invest R750k to generate income?

23 Jun 2020
Investment plans have to be carefully customised to each investor’s specific requirements.

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

7 Jan 2020
Higher returns require taking on more volatility and riding out market cycles.

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