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LATEST Advisor Questions  

Can value loss in pre-retirement investments normalise after upswings?

The optimal solution is a well-thought-out balancing act.

Can I get tax benefits from contributing to my kids’ RAs?

Considerations when contributing toward retirement annuities and other long-term investments for your children.

Where is it best to invest R3m?

Several things need to be considered; staying focused on your long-term objective – retirement – is important.

Is there a tax-saving route to financial emigration?

If I proceed with financial emigration to Mauritius, will I still be personally liable for capital gains tax on the shares I hold in a company?

Will I be taxed for contributions to a new business?

Tax implications will depend on the nature of the business and how you structure the investment.

How do I choose the best living annuity, return-wise?

Avoid picking funds purely on performance – simply going for last year’s winners or losers isn't a fund-selection process.

Trusts: do I have funds due to me as a beneficiary?

Sign a letter of authority and send it to all investment providers to ascertain if there are any investments in your name.

Should I take up government’s early retirement offer?

A major concern when considering an annuity income relates to the growth rate assumptions.

How will I be taxed on unit trust withdrawals?

Local unit trusts generally attract dividend and interest taxes and possibly capital gains tax on withdrawal.

How best do I invest for my grandchildren?

Investing into one or two individual shares exposes you to significant risk.

Do I still pay my RA advisor’s fees if he’s no longer practising?

The fee would not automatically stop, but you do have options.

I’m 69 and working. How do I gain more tax relief?

A look at how to benefit from medical aid and retirement annuity contributions.

Do the default regulations allow me to transfer my pension fund?

Yes – but consider investment fees, fund performance, risk tolerance and investment horizon.

Should I invest a lump sum or contribute monthly?

The amount of time you spend in the market and the frequency with which you invest are two important factors to consider.

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