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Home    Ask an Advisor

I’m able to save R100k a month. What should I invest in?

20 Jan 2022
A tax-free investment and a voluntary or flexible investment are worth considering.

Which platform offers a living annuity that can be optimised for offshore exposure?

19 Jan 2022
Unfortunately, many of the larger investment platforms have reached their offshore asset capacity on their life licences.

Should I sell shares I’ve inherited and invest the funds in a worldwide index tracker fund?

18 Jan 2022
First, do an analysis on these equities as some of them may be good investments you may want to keep in place.

Can I transfer my RA offshore?

14 Jan 2022
No – but you can get offshore exposure.

Can I cancel my provident preserver policy and withdraw everything?

10 Jan 2022
Your options depend on whether you are younger or older than 55.

ICYMI: Moneyweb’s best of 2021

31 Dec 2021
A round-up of our top articles, podcasts, reader questions and advisor views.

My husband got a preservation fund after I signed divorce papers. Should I sue him?

15 Dec 2021
Legal remedies are available, but will require an amended divorce order to include the division of your ex-husband’s pension interest.

I’m moving to Singapore for work. Will I be taxed there and exempt from SA tax?

14 Dec 2021
South Africa and Singapore have a valid double taxation agreement in place. Here's what it means ...

Can you take out insurance on someone else for the purpose of buying items from the estate?

8 Dec 2021
You will need to first establish if an insurable interest exists between yourself and the life assured.

Which investment is best for siblings saving to assist their dad in his old age?

7 Dec 2021
What happens to the share of one sibling should they pass or to the investment in regards to their estate?

At 35, would a five- or 10-year RSA Retail Bond be a good investment?

2 Dec 2021
Retail bonds are good solutions for retired individuals who need the income and who receive additional tax rebates.

I have had to take early retirement: what are my options?

1 Dec 2021
Should I focus on investing disposable income in retirement products that reduce my tax profile, or should I invest in growth assets to get back forgone capital then draw an income from there?

Should I cash in my preservation fund to buy a rental property to supplement my income?

30 Nov 2021
Advantages and disadvantages of taking this approach.

What is the maximum exposure to residential property you should have?

25 Nov 2021
Would properties in the UK or US represent a diversification of a residential property-focused portfolio?

Should I invest R500k in a living annuity to supplement my monthly pension?

24 Nov 2021
And which Shariah-compliant fund is safest and has the highest growth?

Should I put R1m in an income fund?

9 Nov 2021
And what would the downside of withdrawing within a year be?

Should I invest in a fixed deposit account or unit trusts for my child?

4 Nov 2021
Consider interest, flexibility and tax.

What are the tax implications of our mom giving us our inheritance out of the sale of her property?

21 Oct 2021
Capital gains tax and donations tax need to be considered.

Should I invest in a South African RA if I will be emigrating in the next two years?

19 Oct 2021
Would it be wiser to invest in a tax-free savings account or a normal investment account?

How can I invest R2.5m in such a way that it’s all gone when I die?

23 Sep 2021
And how much can I draw down from this investment?

With R800K, what monthly income can I expect if I want an income until I pass on?

2 Jun 2021
And will the balance fall away when I pass on?

How much do I need to invest to receive a monthly income of R10k over 10 years?

21 Sep 2021
After 10 years, the initial amount should still be available.

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.

What can I invest R500k in to get R5k a month and still keep my investment as is?

18 Aug 2021
In the current environment, the best match with your requirements would be either a ‘variable income’ or a ‘multi-asset income’ unit trust fund.

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 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?

4 Feb 2020
The question of paying off debt or contributing to retirement savings is something many South Africans wonder about.

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?

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.

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 can I invest R15m to get a monthly income of R50k?

17 Jun 2021
Retirement planning isn't something that can be done once; it's an individual investment discipline that considers the relevant facts on an ongoing basis.

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