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Is putting my pension in a money maximiser account best?

Is putting my pension in a money maximiser account best?

2 Apr 2020
Holding your pension fund in cash for an indefinite period could lead to longevity risk in your investment capital.
Investments Personal Finance Retirement
I’ve inherited R200k. What’s the best way to invest it?

I’ve inherited R200k. What’s the best way to invest it?

1 Apr 2020
There are several factors that need to be considered before embarking on your investment journey.
Investments Personal Finance
Should my mom purchase a retirement property using a trust?

Should my mom purchase a retirement property using a trust?

12 Mar 2020
The decision will have to take into account various factors particular to both the individual and the larger family.
Estate planning Personal Finance Retirement Tax
Can I switch unit trusts without incurring CGT?

Can I switch unit trusts without incurring CGT?

10 Mar 2020
It is important to differentiate between a compulsory unit trust investment and a discretionary unit trust investment.
Investments Personal Finance Tax Unit Trusts
Can I claim back for tax on my RA payout?

Can I claim back for tax on my RA payout?

6 Mar 2020
No contributions to any tax-deductible investment product can result in you receiving tax back from Sars.
Investments Personal Finance Retirement Tax
Does the asset allocation in my investment portfolio make sense?

Does the asset allocation in my investment portfolio make sense?

4 Mar 2020
Understanding your investment objectives is the first step.
Investments Personal Finance Unit Trusts
What’s the best low-risk, income-generating investment for a retiree?

What’s the best low-risk, income-generating investment for a retiree?

14 Feb 2020
Structuring a retirement income product is one of the most important investment decisions you'll make.
Investments Retirement
I’m 52 and haven’t saved enough for retirement. Is it too late?

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.
Investments Personal Finance Retirement
I have R500k in the bank. What should I invest in?

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

10 Feb 2020
Various available investment options will outperform cash over time.
Investments Personal Finance Unit Trusts
Can I use an RA to reduce my tax liability in retirement?

Can I use an RA to reduce my tax liability in retirement?

7 Feb 2020
Few people realise that there is no age limit to continue to place capital into a retirement annuity.
Investments Personal Finance Retirement Tax
What should I consider before investing in shares?

What should I consider before investing in shares?

5 Feb 2020
The first step is to determine what your investment objective is.
Investments Personal Finance Unit Trusts
Should I keep my life savings in my bond?

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.
Investments Personal Finance Retirement
What low-risk, high-return investment vehicle can boost savings?

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.
Investments
How do I invest in property outside SA?

How do I invest in property outside SA?

11 Oct 2019
Buying property offshore might be quite rewarding, but there are some risks to be aware of.
Investments
Can value loss in pre-retirement investments normalise after upswings?

Can value loss in pre-retirement investments normalise after upswings?

23 Sep 2019
The optimal solution is a well-thought-out balancing act.
Retirement
Can I get tax benefits from contributing to my kids’ RAs?

Can I get tax benefits from contributing to my kids’ RAs?

19 Sep 2019
Considerations when contributing toward retirement annuities and other long-term investments for your children.
Retirement Tax
Where is it best to invest R3m?

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.
Investments Tax
Is there a tax-saving route to financial emigration?

Is there a tax-saving route to financial emigration?

9 Sep 2019
If I proceed with financial emigration to Mauritius, will I still be personally liable for capital gains tax on the shares I hold in a company?
Tax
Will I be taxed for contributions to a new business?

Will I be taxed for contributions to a new business?

6 Sep 2019
Tax implications will depend on the nature of the business and how you structure the investment.
Tax
How do I choose the best living annuity, return-wise?

How do I choose the best living annuity, return-wise?

5 Sep 2019
Avoid picking funds purely on performance – simply going for last year’s winners or losers isn't a fund-selection process.
Retirement Unit Trusts
Should I take up government’s early retirement offer?

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.
Should I keep my life savings in my bond?

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.
Investments Personal Finance Retirement
Where is it best to invest R3m?

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

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.
Investments Personal Finance Retirement
How do I invest for a R20 000 monthly income?

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.
Investments Retirement
How does UIF work?

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?
How do I invest for a R38 000 pm income?

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

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.
Investments Personal Finance Retirement
Is it necessary to invest in property to build wealth?

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.
Investments
Can I safely invest with FedGroup?

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

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.
Investments Unit Trusts
How do I invest my pension when I retire?

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

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

10 Feb 2020
Various available investment options will outperform cash over time.
Investments Personal Finance Unit Trusts
What low-risk, high-return investment vehicle can boost savings?

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.
Investments
The tax implications of trading forex for a living

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.
Tax
What access do you have to your retirement money?

What access do you have to your retirement money?

12 Jan 2018
Can you access more than one third of your pension fund and do you have to buy into a retirement annuity?
I have R200 000 to invest – where to now?

I have R200 000 to invest – where to now?

12 Oct 2017
A Moneyweb reader with a ten-year horizon and a total unencumbered portfolio of almost R13 million asks for investment advice.
Investments Retirement
What’s the best low-risk, income-generating investment for a retiree?

What’s the best low-risk, income-generating investment for a retiree?

14 Feb 2020
Structuring a retirement income product is one of the most important investment decisions you'll make.
Investments Retirement
What happens to a pension payout on dismissal?

What happens to a pension payout on dismissal?

6 Jul 2017
Does the pension payout include both employee’s and employer’s pension contribution?
Retirement
Financial emigration: Should I withdraw my retirement savings?

Financial emigration: Should I withdraw my retirement savings?

UPDATE
 29 Jan 2018
If I emigrate, I’m considering cashing out my pension as part of the discretionary R1 million allowance.
Retirement Tax

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