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What is the Sars rate for future capital gains?

What is the Sars rate for future capital gains?

1 answered

  /  21 June 2018    11
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    21
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    11
Self-employed and old pension won't be able to sustain retirement.
Personal Finance Retirement Tax
Which option is best when applying for a home loan?

Which option is best when applying for a home loan?

1 answered

  /  1 June 2018    44
Should I use my savings as additional payments with 100% bond or pay the savings as deposit, then request a bond?
Investments Personal Finance
RA top up or tax-free savings account?

RA top up or tax-free savings account?

1 answered

  /  31 May 2018    73
Should I use the RA tax benefit, as allowed by Sars, before investing into a tax-free fund?
Investments Personal Finance Retirement Tax
How can I invest for good returns, but with low risk?

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

1 answered

  /  30 May 2018    64
Are unit trusts or fixed deposit accounts the better option?
Investments Personal Finance Unit Trusts
I am emigrating, what happens to my unsecured debt?

I am emigrating, what happens to my unsecured debt?

1 answered

  /  28 May 2018    44
I have credit cards and personal loans - can I still do a financial emigration?
Personal Finance
How do I invest R4m for future education expenses?

How do I invest R4m for future education expenses?

1 answered

  /  14 May 2018    59
Remember to set up an emergency fund to cover unexpected expenses.
Investments
How best do I invest R915k for tertiary education?

How best do I invest R915k for tertiary education?

1 answered

  /  3 May 2018    24
What is the best vehicle to use?
Investments
What is the tax impact of a loan to my daughter?

What is the tax impact of a loan to my daughter?

30 April 2018    54
I want to loan my daughter money to build a property, with a contract in place on how interest and capital will be repaid.
Can I offset my R1.5m assessed capital loss with Sars?

Can I offset my R1.5m assessed capital loss with Sars?

1 answered

  /  19 April 2018    77
What can I do to maximise the utilisation of this tax vehicle?
Investments Tax
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    234
Three of the biggest risks someone close to, or at retirement faces: longevity, inflation, and the underlying investment assets.
Investments Retirement
Do I need to pay tax on a foreign income?

Do I need to pay tax on a foreign income?

1 answered

  /  13 March 2018    59
What are the tax implications if your income is deposited in an offshore account versus an SA-registered bank account?
Investments Tax
DIY: Financial ‘self-help’ plans

DIY: Financial ‘self-help’ plans

1 answered

  /  6 March 2018    58
I want to start a share portfolio but don’t want to rush. What do you make of my share picks?
Investments
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    91
Retirement annuities: the difference between those offered by life insurance companies and LISP platforms.
Investments Retirement
Double taxation: did Sars tax me correctly?

Double taxation: did Sars tax me correctly?

1 answered

  /  28 February 2018    29
I have been a tax resident offshore since 1981. Sars taxed my lump-sum payout from my matured SA annuity policy on the full amount before payment was made into my account.
Tax
Are my financial advisor’s fees justified?

Are my financial advisor’s fees justified?

1 answered

  /  26 February 2018    37
Am I under an obligation to give 1% of my funds to the broker who I originally took the investment out with every time I make a deposit?
Investments
Would it be crazy to sell my house and take the proceeds overseas?

Would it be crazy to sell my house and take the proceeds overseas?

1 answered

  /  22 February 2018    51
I'm thinking of selling my house and depositing the proceeds overseas as an insurance policy against further political upheaval.
Investments Unit Trusts
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    320
I will have R7.2 million in a pension fund when I retire in April 2019.
Retirement
Should I switch my living annuity fund?

Should I switch my living annuity fund?

1 answered

  /  16 February 2018    50
My investment lost money recently - should I switch into a safe money market fund as soon as possible?
Investments Retirement
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    320
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    234
Three of the biggest risks someone close to, or at retirement faces: longevity, inflation, and the underlying investment assets.
Investments Retirement
I have R200 000 to invest – where to now?

I have R200 000 to invest – where to now?

1 answered

  /  12 October 2017    164
A Moneyweb reader with a ten-year horizon and a total unencumbered portfolio of almost R13 million asks for investment advice.
Investments Retirement
Financial emigration: Should I withdraw my retirement savings?

Financial emigration: Should I withdraw my retirement savings?

UPDATE

1 answered

  /  29 January 2018    143
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    141
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
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    123
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
The tax implications of trading forex for a living

The tax implications of trading forex for a living

1 answered

  /  20 June 2017    119
What are Sars’ tax requirements on forex trading? It will be my sole income.
Tax
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    118
A group is committed to collectively saving R45k per month for a year, to purchase an investment property cash.
Unit Trusts
How does UIF work?

How does UIF work?

17 August 2017    111
My husband has been employed by Portnet for about 30 years. He wants to retire early - will he qualify for UIF?
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    110
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    93
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
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    91
... and where do I invest the proceeds if I'm planning to retire in 5-10 years?
Tax
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    91
Retirement annuities: the difference between those offered by life insurance companies and LISP platforms.
Investments Retirement
Can I retire from just one RA?

Can I retire from just one RA?

1 answered

  /  22 January 2018    89
Reporting on this RA is poor and I would like to retire early and turn it into a living annuity, or preserve it.
Retirement
The best place to park your cash

The best place to park your cash

1 answered

  /  23 May 2017    83
What are the best places to park cash (and perhaps in what currency) for an investment return?
Can I safely invest with FedGroup?

Can I safely invest with FedGroup?

UPDATE

1 answered

  /  27 July 2017    83
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
I’m emigrating, what happens to my provident fund?

I’m emigrating, what happens to my provident fund?

1 answered

  /  22 June 2017    79
I can't decide if I should invest it here in SA, or overseas, and I don't know what the tax implications are….
Retirement Tax
How do I construct a portfolio to live off?

How do I construct a portfolio to live off?

1 answered

  /  25 May 2017    79
I’m 25 years old, have a long-term investment horizon, looking for adequate returns and gains on capital. I have the following investments...
Investments
How should I invest my R1.5m for retirement?

How should I invest my R1.5m for retirement?

1 answered

  /  28 September 2017    77
What kind of investment would you recommend with the lowest costs possible, maximum returns and minimum tax implications?
Retirement
Can I offset my R1.5m assessed capital loss with Sars?

Can I offset my R1.5m assessed capital loss with Sars?

1 answered

  /  19 April 2018    77
What can I do to maximise the utilisation of this tax vehicle?
Investments Tax

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