Is the Easy Equities platform best?

Such policies are generally taken out between spouses and not found in a business environment – and there is generally no cost benefit compared with taking out separate policies on each life.

There are several possible steps: lodge a complaint with the brokers. If the outcome's unsatisfactory, approach the ombud. If the loss exceeds R800 000, consider instituting a civil claim.

With Covid-19 travel limitations there is no way we can get the necessary documents originally signed by my son.

Putting it into an RA, settling debt, investing in a tax-free unit trust, or using it as a deposit for a money market account?

Quantify the business risks: this represents the majority of your pension, and you don't have time on your side to build it up again.

A third option exists that may be the perfect solution.

Unfortunately not. The best thing is to look at the total allocation of your provident fund to ensure the maximum of 30% offshore exposure is fully utilised.

Transfers to a living annuity are done on a tax-neutral basis, but there are a few things to be aware of.

It's not necessary – diversification can also be achieved within one vehicle.

Most foreign dividends are taxable at a maximum effective rate of 20% via the normal tax system.

The decision is not as simple as one might think.

And how many immovable properties can be bequeathed without needing to pay transfer duty?

The two differ significantly in terms of risk, possible returns and diversification opportunities.

You can. After making your lump sum payment, inform your bank that you want your monthly premiums adjusted accordingly.