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Is it possible to get back my retirement fund that was attached by Sars?

6 May 2021
You are entitled to request reasons from Sars regarding the deduction and to object to those reasons if you feel they are not valid.

No tax relief for voluntary payments to German social pension: was this right?

5 May 2021
It would make no sense for Sars to provide tax relief for contributions to a retirement fund registered outside of the country.

I have R225k. What’s the best way to utilise and maximise my capital?

4 May 2021
I'm 21 and thinking of buying an investment property in the next three to five years.

Will I have to pay penalties for transferring my RA?

22 Apr 2021
Can the company enforce its terms and conditions without a signed contract?

Which tax-free investment account should I consider?

21 Apr 2021
If you are looking for a low-cost tax-free investment account, you should consider the one in the form of an ETF (exchange-traded fund).

I have more than R5m to invest. How can I double it?

20 Apr 2021
If you want to enjoy higher returns in any investment, you will need to have equity exposure.

Under the new pension regulations, can you borrow money from your provident fund?

15 Apr 2021
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.

Can I transfer my GEPF pension fund into a private living annuity at retirement?

14 Apr 2021
If so, are there any tax consequences to consider?

I want to withdraw R55k from my global account. What’s the best way to use it?

13 Apr 2021
Reader's options include: investing in a TFSA or EasyEquities account, investing directly offshore, or paying a lump sum into their car loan.

How can I be sure my investments will be safe when choosing a new advisory firm?

8 Apr 2021
Will professional indemnity insurance cover a client’s funds, and against what?

What should I consider when purchasing an annuity?

7 Apr 2021
And what costs should I expect to pay?

How can I buy Tesla shares?

6 Apr 2021
There are affordable ways for those in South Africa to get exposure to this stock.

How much do I need to invest for a monthly income below the tax threshold?

25 Mar 2021   /  2 answered
Two advisors tackle this reader's question.

Which of my three properties should I pay off first?

24 Mar 2021
The sooner you pay off the bond on your primary residence the better.

Is it wise to invest in property before emigrating?

18 Mar 2021
It is not advisable to tie your capital into South African property as you will need as much liquid capital as possible when emigrating.

What’s the most tax-efficient way to build wealth through property?

17 Mar 2021
Personal ownership, a trust, or company: there are certain advantages and disadvantages in how you structure your portfolio.

What can I invest R158k in to receive R5k income monthly?

16 Mar 2021
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.

What are tax implications of an offshore ETF portfolio held in a wrapper?

11 Mar 2021
Policy owners are not responsible for the personal tax administration of the insurance policy.

Will I be declared insolvent if my late partner’s estate is declared insolvent?

10 Mar 2021
As you were married in community of property, you and your spouse are jointly liable for each other’s debt.

Should I keep my insufficient income protection cover?

9 Mar 2021
If you have emergency funding that will be sufficient to cover your monthly expenses for at least six months, you may consider cancelling the cover.

Under the new pension regulations, can you borrow money from your provident fund?

15 Apr 2021
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.

What’s the most tax-efficient way to build wealth through property?

17 Mar 2021
Personal ownership, a trust, or company: there are certain advantages and disadvantages in how you structure your portfolio.

What can I invest R158k in to receive R5k income monthly?

16 Mar 2021
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.

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 take up government’s early retirement offer?

30 Aug 2019
A major concern when considering an annuity income relates to the growth rate assumptions.

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.

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.

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?

Can I transfer my GEPF pension fund into a private living annuity at retirement?

14 Apr 2021
If so, are there any tax consequences to consider?

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.

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 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.

How much do I need to invest for a monthly income below the tax threshold?

25 Mar 2021   /  2 answered
Two advisors tackle this reader's question.

Is the Easy Equities platform best?

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

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?

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?'

What should I consider when purchasing an annuity?

7 Apr 2021
And what costs should I expect to pay?

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.
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