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Is it worth getting a loan in order to invest?

Is it worth getting a loan in order to invest?

1 answered

  /  26 June 2019    6
A preferable solution would be to invest a monthly amount into a unit trust portfolio or your retirement fund.
Investments
Clients take money offshore for the wrong reasons

Clients take money offshore for the wrong reasons

Answered by:  /  28 May 2019    12
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?

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

1 answered

  /  26 April 2019    124
Changing investment strategies based solely on market performance is not advised, especially in retirement.
Investments Retirement
Should I use my provident fund to buy property and rent it out?

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

1 answered

  /  25 April 2019    67
There are tax implications to consider.
Retirement
Are my pension plans wise?

Are my pension plans wise?

1 answered

  /  8 April 2019    132
After taking out my pension to pay off my bond, I want to invest the rest in an annuity for life once fully retired.
Investments Retirement
Which unit trusts should my children invest in?

Which unit trusts should my children invest in?

1 answered

  /  4 April 2019    164
Having a long-term view and being overweight in offshore funds is probably best.
Investments
Do I invest in an income/growth portfolio or a pure income fund?

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

1 answered

  /  1 April 2019    112
I have R6 million to invest for retirement income: which option is best?
Investments Retirement
What are the tax implications for the beneficiary of my living annuity?

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

1 answered

  /  28 March 2019    51
Will my minor grandchild be able to register as a taxpayer?
Retirement Tax
How can I reduce the costs of my living annuities?

How can I reduce the costs of my living annuities?

1 answered

  /  27 March 2019    63
I have three living annuities and their performance has been dismal due to the state of the economy.
Investments Retirement
How best do we protect our retirement capital?

How best do we protect our retirement capital?

1 answered

  /  22 March 2019    67
... and keep the same standard of living?
Retirement
How do I invest my pension when I retire?

How do I invest my pension when I retire?

1 answered

  /  18 March 2019    214
Two important questions to consider: will you take the allowable cash portion, and what annuity type is most suitable?
Retirement
How do I invest for more income?

How do I invest for more income?

1 answered

  /  8 February 2019    88
And what is a safe amount to draw each month?
Investments Retirement
How do I start a share portfolio?

How do I start a share portfolio?

1 answered

  /  6 February 2019    58
What is a good balanced portfolio to start with for someone in their 20s?
Investments Unit Trusts
How can I access part of my annuity?

How can I access part of my annuity?

1 answered

  /  28 January 2019    86
I was retrenched in August 2015 and need to buy a property with some money left in my RA.
Retirement
Can I use tracker funds as part of a living annuity portfolio?

Can I use tracker funds as part of a living annuity portfolio?

1 answered

  /  17 January 2019    67
A combination of offshore index trackers, active funds and income funds can be a winning long-term strategy in a living annuity.
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?

1 answered

  /  18 December 2018    203
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 get started with my financial planning?

How do I get started with my financial planning?

1 answered

  /  13 December 2018    68
Is it advisable to join the company's prescribed medical aid and retirement plans?
Retirement
How do I get my pension to last?

How do I get my pension to last?

1 answered

  /  12 December 2018    44
My pension resides on a Lisp via a living annuity. How do I achieve 5-8% growth, net of costs?
Retirement
My unit trust fund investment hasn’t accrued in value

My unit trust fund investment hasn’t accrued in value

1 answered

  /  23 August 2018    116
What should I do to ensure I get some income from this investment?
Investments Retirement Tax
How do I prepare financially for my child’s education?

How do I prepare financially for my child’s education?

1 answered

  /  22 August 2018    46
How much on average should you put away each month? 
Investments Personal Finance
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    333
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    293
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 August 2017    276
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 my pension when I retire?

How do I invest my pension when I retire?

1 answered

  /  18 March 2019    214
Two important questions to consider: will you take the allowable cash portion, and what annuity type is most suitable?
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?

1 answered

  /  18 December 2018    203
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
Can I safely invest with FedGroup?

Can I safely invest with FedGroup?

UPDATE

1 answered

  /  27 July 2017    193
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 have R200 000 to invest – where to now?

I have R200 000 to invest – where to now?

1 answered

  /  12 October 2017    183
A Moneyweb reader with a ten-year horizon and a total unencumbered portfolio of almost R13 million asks for investment advice.
Investments 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?

1 answered

  /  13 July 2018    174
I cannot take a lot of risk, as this is all the money I have.
Investments Personal Finance Retirement
Financial emigration: Should I withdraw my retirement savings?

Financial emigration: Should I withdraw my retirement savings?

UPDATE

1 answered

  /  29 January 2018    165
If I emigrate, I’m considering cashing out my pension as part of the discretionary R1 million allowance.
Retirement Tax
Which unit trusts should my children invest in?

Which unit trusts should my children invest in?

1 answered

  /  4 April 2019    164
Having a long-term view and being overweight in offshore funds is probably best.
Investments
How should a 23-year-old invest their money?

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

1 answered

  /  31 July 2018    157
Is a retirement annuity, unit trust, or tax-free savings account the way to go?
Insurance Investments Personal Finance Retirement Tax Unit Trusts
The tax implications of trading forex for a living

The tax implications of trading forex for a living

1 answered

  /  20 June 2017    154
What are Sars’ tax requirements on forex trading? It will be my sole income.
Tax
Offshore investing: How do I navigate wills and tax?

Offshore investing: How do I navigate wills and tax?

1 answered

  /  5 October 2017    147
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
Which is a better option for a 71-year old: fixed deposit or stick to unit trusts?

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

1 answered

  /  25 June 2018    134
My flexible investment has taken a big knock and I am very worried as I am now digging into my capital.
Estate planning Investments Personal Finance Retirement Unit Trusts
What access do you have to your retirement money?

What access do you have to your retirement money?

1 answered

  /  12 January 2018    133
Can you access more than one third of your pension fund and do you have to buy into a retirement annuity?
Are my pension plans wise?

Are my pension plans wise?

1 answered

  /  8 April 2019    132
After taking out my pension to pay off my bond, I want to invest the rest in an annuity for life once fully retired.
Investments Retirement
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    130
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
What happens to a pension payout on dismissal?

What happens to a pension payout on dismissal?

1 answered

  /  6 July 2017    127
Does the pension payout include both employee’s and employer’s pension contribution?
Retirement
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    127
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
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    127
Are unit trusts or fixed deposit accounts the better option?
Investments Personal Finance Unit Trusts

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