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I want to use some of my pension on debt and a deposit on a house

I want to use some of my pension on debt and a deposit on a house

1 answered

  /  10 August 2018    37
Where can I transfer the remaining funds without incurring too much tax?
Personal Finance Retirement Tax
What happens when I default on my RA payments?

What happens when I default on my RA payments?

1 answered

  /  8 August 2018    8
I've been contributing for 10 years, but haven't been able to pay the last three months.
Personal Finance Retirement
How should a 23-year-old invest their money?

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

1 answered

  /  31 July 2018    122
Is a retirement annuity, unit trust, or tax-free savings account the way to go?
Insurance Investments Personal Finance Retirement Tax Unit Trusts
What is the best way to save/invest for an engagement ring?

What is the best way to save/invest for an engagement ring?

1 answered

  /  26 July 2018    27
Should I save a monthly amount in a bank account or invest it?
Investments Personal Finance
How can I pursue a career as an investment advisor?

How can I pursue a career as an investment advisor?

1 answered

  /  25 July 2018    27
My true passion is investments and I would like to start at entry level.
Investments Personal Finance
What would the executor’s fee be on a loan to my children?

What would the executor’s fee be on a loan to my children?

UPDATE

1 answered

  /  22 July 2018    55
I want to give each of my children R500 000 to pay me a set monthly income.
Personal Finance Tax
How can we apply our stokvel to property development?

How can we apply our stokvel to property development?

1 answered

  /  18 July 2018    73
How can we invest in the short term for high interest returns to achieve this over the next two years?
Investments Personal Finance
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    102
I cannot take a lot of risk, as this is all the money I have.
Investments Personal Finance Retirement
How should I use a lump sum for monthly income?

How should I use a lump sum for monthly income?

1 answered

  /  9 July 2018    62
I can either invest it, or I can buy a property to rent out.
Investments Retirement
Can I invest offshore without a broker?

Can I invest offshore without a broker?

1 answered

  /  4 July 2018    57
Are there any platforms that cut out the middle man?
Investments Personal Finance Retirement
What is the best way forward with my Sasol pension?

What is the best way forward with my Sasol pension?

1 answered

  /  3 July 2018    12
I have many options, but I'm not sure which one will benefit me the most.
Investments Personal Finance Retirement Tax
How will proceeds be taxed if money is invested in a grandchild’s name?

How will proceeds be taxed if money is invested in a grandchild’s name?

1 answered

  /  26 June 2018    30
Are minors regarded as separate taxpayers?
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    119
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 is the Sars rate for future capital gains?

What is the Sars rate for future capital gains?

1 answered

  /  21 June 2018    13
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    28
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    12
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    65
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    85
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    69
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    47
I have credit cards and personal loans - can I still do a financial emigration?
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    322
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    242
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    167
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    145
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    142
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    127
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    126
What are Sars’ tax requirements on forex trading? It will be my sole income.
Tax
How does UIF work?

How does UIF work?

17 August 2017    123
My husband has been employed by Portnet for about 30 years. He wants to retire early - will he qualify for UIF?
How should a 23-year-old invest their money?

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

1 answered

  /  31 July 2018    122
Is a retirement annuity, unit trust, or tax-free savings account the way to go?
Insurance Investments Personal Finance Retirement Tax Unit Trusts
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    119
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
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    119
A group is committed to collectively saving R45k per month for a year, to purchase an investment property cash.
Unit Trusts
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    113
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 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    102
I cannot take a lot of risk, as this is all the money I have.
Investments Personal Finance Retirement
What are the tax implications of a cash gift?

What are the tax implications of a cash gift?

1 answered

  /  26 October 2017    97
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
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    96
Retirement annuities: the difference between those offered by life insurance companies and LISP platforms.
Investments Retirement
Can I safely invest with FedGroup?

Can I safely invest with FedGroup?

UPDATE

1 answered

  /  27 July 2017    94
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 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    92
... and where do I invest the proceeds if I'm planning to retire in 5-10 years?
Tax
Can I retire from just one RA?

Can I retire from just one RA?

1 answered

  /  22 January 2018    91
Reporting on this RA is poor and I would like to retire early and turn it into a living annuity, or preserve it.
Retirement
RA top up or tax-free savings account?

RA top up or tax-free savings account?

1 answered

  /  31 May 2018    85
Should I use the RA tax benefit, as allowed by Sars, before investing into a tax-free fund?
Investments Personal Finance Retirement Tax
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?

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