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How will I be taxed on unit trust withdrawals?

Local unit trusts generally attract dividend and interest taxes and possibly capital gains tax on withdrawal.

How best do I invest for my grandchildren?

Investing into one or two individual shares exposes you to significant risk.

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

The fee would not automatically stop, but you do have options.

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

A look at how to benefit from medical aid and retirement annuity contributions.

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

Yes – but consider investment fees, fund performance, risk tolerance and investment horizon.

Should I invest a lump sum or contribute monthly?

The amount of time you spend in the market and the frequency with which you invest are two important factors to consider.

How do I become debt-free?

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.

Is it necessary to invest in property to build wealth?

'The big money is not in the buying or the selling, but in the waiting' - Charlie Munger.

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

Consider the emotional benefits of owning your own home without the anxiety of paying off a bond.

Is it worth getting a loan in order to invest?

A preferable solution would be to invest a monthly amount into a unit trust portfolio or your retirement fund.

Clients take money offshore for the wrong reasons

Craig Torr, founding member of Crue Invest, on providing advice in the current environment.

Can I transfer my funds out of a loss-making annuity?

Changing investment strategies based solely on market performance is not advised, especially in retirement.

Should I use my provident fund to buy property and rent it out?

There are tax implications to consider.

Are my pension plans wise?

After taking out my pension to pay off my bond, I want to invest the rest in an annuity for life once fully retired.

Which unit trusts should my children invest in?

Having a long-term view and being overweight in offshore funds is probably best.

Do I invest in an income/growth portfolio or a pure income fund?

I have R6 million to invest for retirement income: which option is best?

What are the tax implications for the beneficiary of my living annuity?

Will my minor grandchild be able to register as a taxpayer?

How can I reduce the costs of my living annuities?

I have three living annuities and their performance has been dismal due to the state of the economy.

How best do we protect our retirement capital?

... and keep the same standard of living?

How do I invest my pension when I retire?

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

How do I invest for a R38 000 pm income?

I will have R7.2 million in a pension fund when I retire in April 2019.

How do I invest for a R20 000 monthly income?

Three of the biggest risks someone close to, or at retirement faces: longevity, inflation, and the underlying investment assets.

How does UIF work?

My husband has been employed by Portnet for about 30 years. He wants to retire early - will he qualify for UIF?

Is it necessary to invest in property to build wealth?

'The big money is not in the buying or the selling, but in the waiting' - Charlie Munger.

How do I invest my pension when I retire?

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?

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

Can I safely invest with FedGroup?

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

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

I cannot take a lot of risk, as this is all the money I have.

I have R200 000 to invest – where to now?

A Moneyweb reader with a ten-year horizon and a total unencumbered portfolio of almost R13 million asks for investment advice.

Which unit trusts should my children invest in?

Having a long-term view and being overweight in offshore funds is probably best.

Financial emigration: Should I withdraw my retirement savings?

If I emigrate, I’m considering cashing out my pension as part of the discretionary R1 million allowance.

The tax implications of trading forex for a living

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

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

Is a retirement annuity, unit trust, or tax-free savings account the way to go?

What access do you have to your retirement money?

Can you access more than one third of your pension fund and do you have to buy into a retirement annuity?

Offshore investing: How do I navigate wills and tax?

Are there issues with foreign investments in the event of one's death regarding separate wills and executors, estate duty, and insurance wrappers?

Can I transfer my funds out of a loss-making annuity?

Changing investment strategies based solely on market performance is not advised, especially in retirement.

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

My flexible investment has taken a big knock and I am very worried as I am now digging into my capital.

What happens to a pension payout on dismissal?

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

Are my pension plans wise?

After taking out my pension to pay off my bond, I want to invest the rest in an annuity for life once fully retired.

How can I invest for good returns, but with low risk?

Are unit trusts or fixed deposit accounts the better option?

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