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If married in COP, is my partner’s pension at risk due to my business debt?

4 Mar 2021
How can I avoid such danger before they resign?

Can South Africans contribute to an offshore annuity?

3 Mar 2021
Reader asks what options are available.

Can I borrow against my paid-up home?

2 Mar 2021
While you are able to apply to borrow against your property, there are dangers in doing so.

Bank or insurance company: Which is best to preserve your provident fund?

25 Feb 2021
The company is not as important as the financial planner who is going to manage your funds for you.

Is it a good idea to invest in the SA property market?

24 Feb 2021
On a valuation basis property does show upside potential, but there is a large degree of uncertainty.

Buy additional years of pensionable service, or put money into an RA?

23 Feb 2021
And what are the pros and cons of both?

What’s the best way to contribute R1m to the purchase of a house in the UK for my child?

18 Feb 2021
And am I able to have part ownership of the house, which may, as a secondary consideration, avoid donation tax?

At 77, is it better to invest R5m with African Bank or in a share portfolio?

17 Feb 2021
When deciding, you need to consider the risk to the capital over time, accessibility to capital during the investment term and the tax implications of the investment.

Is my one-third payout from a RA protected from creditors?

16 Feb 2021
Once funds are withdrawn, they are no longer governed by the Pension Fund Act and therefore don't enjoy protection from creditors.

How much capital do I need to retire early?

UPDATE
11 Feb 2021
I would like a monthly interest payout of R50 000 after tax.

When a company is delisted and liquidated, does this trigger a tax event?

10 Feb 2021
And could I claim losses against my capital gains in the respective tax year?

How can I ensure my life policies and pension get paid into a testamentary trust?

9 Feb 2021
There's no perfect solution, but here are some options....

Is it advisable to invest in crowd farming?

27 Jan 2021
As with any other investment, it is important to fully understand the risks involved.

Should I keep my emergency fund in my bond?

26 Jan 2021
Or are there better investments I could make?

How can I buy Netflix and Amazon shares in South Africa?

19 Jan 2021
Finding a platform is easy enough, it’s picking the sector and the individual stocks within that sector that is more tricky.

If you breach Regulation 28 limits, how long do you have to rectify it?

14 Jan 2021
And if you don't rectify the breach, what are the implications?

Should I sell my RMH shares or hold on to them?

13 Jan 2021
If you sell your stock, you will realise the 46% loss.

Can a parent claim for a loan repayment against their child’s joint estate?

12 Jan 2021
She married in community of property and is now getting divorced.

What’s the best way to invest R10k for my son’s university education?

23 Dec 2020
And which unit trust fund would be best should I want to invest one?

I’m R205k in debt. How do I become debt-free?

22 Dec 2020
You may need to consider applying for debt counselling.

I have R500k in the bank. What should I invest in?

10 Feb 2020
Various available investment options will outperform cash over time.

Is it necessary to invest in property to build wealth?

11 Jul 2019
'The big money is not in the buying or the selling, but in the waiting' - Charlie Munger.

The tax implications of trading forex for a living

20 Jun 2017
What are Sars’ tax requirements on forex trading? It will be my sole income.

Is rental property still a good investment?

20 May 2020
There are several high-level considerations when deciding whether or not a rental property is a good investment.

Would it be better to invest R500k or deposit it into my bond?

10 Sep 2020
The decision is not as simple as one might think.

I’m 75 with no pension. How can I invest R750k to generate income?

23 Jun 2020
Investment plans have to be carefully customised to each investor’s specific requirements.

What access do you have to your retirement money?

12 Jan 2018
Can you access more than one third of your pension fund and do you have to buy into a retirement annuity?

What low-risk, high-return investment vehicle can boost savings?

7 Jan 2020
Higher returns require taking on more volatility and riding out market cycles.

How can I buy Netflix and Amazon shares in South Africa?

19 Jan 2021
Finding a platform is easy enough, it’s picking the sector and the individual stocks within that sector that is more tricky.

How do I change my marriage contract from in-community to antenuptial?

11 Nov 2020
A notarial contract, once registered at the Deeds Office, will have the effect of an antenuptial contract.

I have R200 000 to invest – where to now?

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

What happens to a pension payout on dismissal?

6 Jul 2017
Does the pension payout include both employee’s and employer’s pension contribution?

Which is more tax-effective: putting R1.5m in a unit trust or my access bond?

23 Sep 2020
A third option exists that may be the perfect solution.

I’m under debt review. Can I withdraw cash from my pension to buy a house?

18 Dec 2020
The only time you may access these funds is if you leave your employer.

Should I invest or pay off debt?

7 May 2020
Paying off debt will mean that you have more money to invest in the future.

Financial emigration: Should I withdraw my retirement savings?

UPDATE
29 Jan 2018
If I emigrate, I’m considering cashing out my pension as part of the discretionary R1 million allowance.

I have a six-month investment term. What should I invest in?

10 Jun 2020
There is no perfect solution, but here are a few ideas to think about.

What’s the best low-risk, income-generating investment for a retiree?

14 Feb 2020
Structuring a retirement income product is one of the most important investment decisions you'll make.

My investment has lost R250k. How can I avoid more losses?

29 Apr 2020
Your decision to withdraw from your RA should not be based solely on the drop in your investment value or the returns promised by a fixed deposit.

How can I ensure my life policies and pension get paid into a testamentary trust?

9 Feb 2021
There's no perfect solution, but here are some options....
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