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How do I get started with my financial planning?

How do I get started with my financial planning?

1 answered

  /  13 December 2018    11
Is it advisable to join the company's prescribed medical aid and retirement plans?
Retirement
How do I get my pension to last?

How do I get my pension to last?

1 answered

  /  12 December 2018    13
My pension resides on a Lisp via a living annuity. How do I achieve 5-8% growth, net of costs?
Retirement
My unit trust fund investment hasn’t accrued in value

My unit trust fund investment hasn’t accrued in value

1 answered

  /  23 August 2018    96
What should I do to ensure I get some income from this investment?
Investments Retirement Tax
How do I prepare financially for my child’s education?

How do I prepare financially for my child’s education?

1 answered

  /  22 August 2018    32
How much on average should you put away each month? 
Investments Personal Finance
I want to use some of my pension on debt and a deposit on a house

I want to use some of my pension on debt and a deposit on a house

1 answered

  /  10 August 2018    56
Where can I transfer the remaining funds without incurring too much tax?
Personal Finance Retirement Tax
What happens when I default on my RA payments?

What happens when I default on my RA payments?

1 answered

  /  8 August 2018    21
I've been contributing for 10 years, but haven't been able to pay the last three months.
Personal Finance Retirement
How should a 23-year-old invest their money?

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

1 answered

  /  31 July 2018    140
Is a retirement annuity, unit trust, or tax-free savings account the way to go?
Insurance Investments Personal Finance Retirement Tax Unit Trusts
What is the best way to save/invest for an engagement ring?

What is the best way to save/invest for an engagement ring?

1 answered

  /  26 July 2018    32
Should I save a monthly amount in a bank account or invest it?
Investments Personal Finance
How can I pursue a career as an investment advisor?

How can I pursue a career as an investment advisor?

1 answered

  /  25 July 2018    28
My true passion is investments and I would like to start at entry level.
Investments Personal Finance
What would the executor’s fee be on a loan to my children?

What would the executor’s fee be on a loan to my children?

UPDATE

1 answered

  /  22 July 2018    57
I want to give each of my children R500 000 to pay me a set monthly income.
Personal Finance Tax
How can we apply our stokvel to property development?

How can we apply our stokvel to property development?

1 answered

  /  18 July 2018    78
How can we invest in the short term for high interest returns to achieve this over the next two years?
Investments Personal Finance
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    108
I cannot take a lot of risk, as this is all the money I have.
Investments Personal Finance Retirement
How should I use a lump sum for monthly income?

How should I use a lump sum for monthly income?

1 answered

  /  9 July 2018    65
I can either invest it, or I can buy a property to rent out.
Investments Retirement
Can I invest offshore without a broker?

Can I invest offshore without a broker?

1 answered

  /  4 July 2018    57
Are there any platforms that cut out the middle man?
Investments Personal Finance Retirement
What is the best way forward with my Sasol pension?

What is the best way forward with my Sasol pension?

1 answered

  /  3 July 2018    13
I have many options, but I'm not sure which one will benefit me the most.
Investments Personal Finance Retirement Tax
How will proceeds be taxed if money is invested in a grandchild’s name?

How will proceeds be taxed if money is invested in a grandchild’s name?

1 answered

  /  26 June 2018    30
Are minors regarded as separate taxpayers?
Investments Tax
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    123
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
What is the Sars rate for future capital gains?

What is the Sars rate for future capital gains?

1 answered

  /  21 June 2018    14
I'm still in the process of legalising my offshore investments, including unit trusts in the UK.
Investments Personal Finance Tax
How can I teach my children about trading?

How can I teach my children about trading?

1 answered

  /  20 June 2018    30
I want my teenagers to the learn the ropes of stock exchanges – where do I start?
Investments
Should I take my Flexi pension and invest in a business?

Should I take my Flexi pension and invest in a business?

1 answered

  /  7 June 2018    12
Self-employed and old pension won't be able to sustain retirement.
Personal Finance Retirement Tax
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    327
I will have R7.2 million in a pension fund when I retire in April 2019.
Retirement
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    256
Three of the biggest risks someone close to, or at retirement faces: longevity, inflation, and the underlying investment assets.
Investments Retirement
How does UIF work?

How does UIF work?

17 August 2017    195
My husband has been employed by Portnet for about 30 years. He wants to retire early - will he qualify for UIF?
I have R200 000 to invest – where to now?

I have R200 000 to invest – where to now?

1 answered

  /  12 October 2017    175
A Moneyweb reader with a ten-year horizon and a total unencumbered portfolio of almost R13 million asks for investment advice.
Investments Retirement
Can I safely invest with FedGroup?

Can I safely invest with FedGroup?

UPDATE

1 answered

  /  27 July 2017    160
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
Financial emigration: Should I withdraw my retirement savings?

Financial emigration: Should I withdraw my retirement savings?

UPDATE

1 answered

  /  29 January 2018    154
If I emigrate, I’m considering cashing out my pension as part of the discretionary R1 million allowance.
Retirement Tax
Offshore investing: How do I navigate wills and tax?

Offshore investing: How do I navigate wills and tax?

1 answered

  /  5 October 2017    144
Are there issues with foreign investments in the event of one's death regarding separate wills and executors, estate duty, and insurance wrappers?
Estate planning Investments Tax
How should a 23-year-old invest their money?

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

1 answered

  /  31 July 2018    140
Is a retirement annuity, unit trust, or tax-free savings account the way to go?
Insurance Investments Personal Finance Retirement Tax Unit Trusts
The tax implications of trading forex for a living

The tax implications of trading forex for a living

1 answered

  /  20 June 2017    135
What are Sars’ tax requirements on forex trading? It will be my sole income.
Tax
Set up a trust to save tax? It may not work anymore

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

1 answered

  /  9 May 2017    128
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
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    123
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
Can we use trusts to save for an investment property?

Can we use trusts to save for an investment property?

1 answered

  /  14 September 2017    120
A group is committed to collectively saving R45k per month for a year, to purchase an investment property cash.
Unit Trusts
Estate planning: Should I transfer my farm to company or trust?

Estate planning: Should I transfer my farm to company or trust?

1 answered

  /  26 September 2017    116
I'd like to transfer my farm into a vehicle to preserve it for my children. I'm told trusts are tax unfriendly.
Estate planning
What are the tax implications of a cash gift?

What are the tax implications of a cash gift?

1 answered

  /  26 October 2017    113
I've received large sum of money from a friend in the US as a graduation gift. I don't receive enough income to pay tax currently.
Tax
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    108
I cannot take a lot of risk, as this is all the money I have.
Investments Personal Finance Retirement
I’m 22 – how do I choose a low-cost annuity?

I’m 22 – how do I choose a low-cost annuity?

1 answered

  /  1 March 2018    102
Retirement annuities: the difference between those offered by life insurance companies and LISP platforms.
Investments Retirement
RA top up or tax-free savings account?

RA top up or tax-free savings account?

1 answered

  /  31 May 2018    99
Should I use the RA tax benefit, as allowed by Sars, before investing into a tax-free fund?
Investments Personal Finance Retirement Tax
My unit trust fund investment hasn’t accrued in value

My unit trust fund investment hasn’t accrued in value

1 answered

  /  23 August 2018    96
What should I do to ensure I get some income from this investment?
Investments Retirement Tax
What is the most tax-efficient way to sell a property in a trust?

What is the most tax-efficient way to sell a property in a trust?

1 answered

  /  2 November 2017    95
... and where do I invest the proceeds if I'm planning to retire in 5-10 years?
Tax
Can I retire from just one RA?

Can I retire from just one RA?

1 answered

  /  22 January 2018    94
Reporting on this RA is poor and I would like to retire early and turn it into a living annuity, or preserve it.
Retirement

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