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Estate planning Insurance Investments Medical Cover Personal Finance Retirement Tax Unit Trusts

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

6 May 2021 / By Rick Briers-Danks

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

Personal Finance Retirement Tax

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

5 May 2021 / By Craig Torr

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

Personal Finance Retirement Tax

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

4 May 2021 / By Jesse Morgans

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

Investments Personal Finance

Will I have to pay penalties for transferring my RA?

22 Apr 2021 / By Mauro Forlin

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

Investments Personal Finance Retirement

Which tax-free investment account should I consider?

21 Apr 2021 / By Thulisile Nkomo

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).

Investments Personal Finance Retirement

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

20 Apr 2021 / By Elke Brink

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

Investments Personal Finance

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

15 Apr 2021 / By Toy Meyer

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.

Personal Finance Retirement

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

14 Apr 2021 / By Michael Haldane

If so, are there any tax consequences to consider?

Personal Finance Retirement

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

13 Apr 2021 / By Jesse Morgans

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

Investments Personal Finance Tax

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

8 Apr 2021 / By Eric Jordaan

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

Insurance Investments Personal Finance

What should I consider when purchasing an annuity?

7 Apr 2021 / By Devon Card

And what costs should I expect to pay?

Investments Personal Finance Retirement

How can I buy Tesla shares?

6 Apr 2021 / By Craig Turton

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

Investments Personal Finance

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.

Investments Personal Finance Retirement Tax

Which of my three properties should I pay off first?

24 Mar 2021 / By Craig Turton

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

Investments Personal Finance

Is it wise to invest in property before emigrating?

18 Mar 2021 / By Craig Torr

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

Investments Personal Finance

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

17 Mar 2021 / By Gareth Collier

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

Estate planning Investments Personal Finance Tax

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

16 Mar 2021 / By Stephen Katzenellenbogen

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.

Investments Personal Finance Retirement

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

11 Mar 2021 / By Alwyn Smit

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

Investments Tax

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

10 Mar 2021 / By Eric Jordaan

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

Personal Finance

Should I keep my insufficient income protection cover?

9 Mar 2021 / By Devon Card

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.

Insurance Personal Finance

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

15 Apr 2021 / By Toy Meyer

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.

Personal Finance Retirement

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

17 Mar 2021 / By Gareth Collier

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

Estate planning Investments Personal Finance Tax

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

16 Mar 2021 / By Stephen Katzenellenbogen

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.

Investments Personal Finance Retirement

Will I be able to draw all the cash from my pension preservation fund after March 2021?

17 Nov 2020 / By Devon Card

The scheduled tax legislation change relates specifically to provident preservation funds.

Personal Finance Retirement Tax

Should I take up government’s early retirement offer?

30 Aug 2019 / By Devon Card

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 / By Sonia du Plessis

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

Investments Retirement

Should I keep my life savings in my bond?

4 Feb 2020 / By Jesse Morgans

The question of paying off debt or contributing to retirement savings is something many South Africans wonder about.

Investments Personal Finance Retirement

Where is it best to invest R3m?

13 Sep 2019 / By Elke Brink

Several things need to be considered; staying focused on your long-term objective – retirement – is important.

Investments Tax

How does UIF work?

17 Aug 2017 / By Mark Swanepoel

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 / By Michael Haldane

If so, are there any tax consequences to consider?

Personal Finance Retirement

How do I invest for a R38 000 pm income?

21 Feb 2018 / By Melony Jacoby

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

Retirement

I’m 52 and haven’t saved enough for retirement. Is it too late?

12 Feb 2020 / By Stephen Katzenellenbogen

Asset allocation will play a big role in your investment/retirement outcome.

Investments Personal Finance Retirement

How can I repay my home loan more quickly?

4 Jun 2020 / By Gareth Collier

Settling your other debt could free additional cash flow, which can then go towards your home loan.

Investments Personal Finance

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

13 Jul 2018 / By Herman Klopper

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

Investments Personal Finance Retirement

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.

Investments Personal Finance Retirement Tax

Is the Easy Equities platform best?

13 Oct 2020 / By Trent Hodges

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

Investments Personal Finance

How do I invest my pension when I retire?

18 Mar 2019 / By Michael Haldane

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

Retirement

Can I safely invest with FedGroup?

UPDATE

27 Jul 2017 / By Craig Gradidge

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

What should I consider when purchasing an annuity?

7 Apr 2021 / By Devon Card

And what costs should I expect to pay?

Investments Personal Finance Retirement

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

18 Dec 2018 / By Richus Nel

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

Investments Unit Trusts

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