You are currently viewing our desktop site, do you want to visit our Mobile web app instead?
Complete our online survey and
get 10% discount on our
Insider Gold annual subscription.
Home    Ask an Advisor

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.

How do I become debt-free?

If the interest rate on your car loan is higher than that of your home loan, consider using your access bond to pay off your vehicle in full.

Is it necessary to invest in property to build wealth?

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

How do I best invest my R6m lump sum from the RAF?

Consider the emotional benefits of owning your own home without the anxiety of paying off a bond.

Is it worth getting a loan in order to invest?

A preferable solution would be to invest a monthly amount into a unit trust portfolio or your retirement fund.

Clients take money offshore for the wrong reasons

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?

Changing investment strategies based solely on market performance is not advised, especially in retirement.

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

There are tax implications to consider.

Are my pension plans wise?

After taking out my pension to pay off my bond, I want to invest the rest in an annuity for life once fully retired.

Which unit trusts should my children invest in?

Having a long-term view and being overweight in offshore funds is probably best.

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

I have R6 million to invest for retirement income: which option is best?

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

Will my minor grandchild be able to register as a taxpayer?

How can I reduce the costs of my living annuities?

I have three living annuities and their performance has been dismal due to the state of the economy.

How best do we protect our retirement capital?

... and keep the same standard of living?

How do I invest my pension when I retire?

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

How do I invest for more income?

And what is a safe amount to draw each month?

How do I start a share portfolio?

What is a good balanced portfolio to start with for someone in their 20s?

How can I access part of my annuity?

I was retrenched in August 2015 and need to buy a property with some money left in my RA.

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

A combination of offshore index trackers, active funds and income funds can be a winning long-term strategy in a living annuity.

What happens to a pension payout on dismissal?

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

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

Is a retirement annuity, unit trust, or tax-free savings account the way to go?

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

My flexible investment has taken a big knock and I am very worried as I am now digging into my capital.

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?

Offshore investing: How do I navigate wills and tax?

Are there issues with foreign investments in the event of one's death regarding separate wills and executors, estate duty, and insurance wrappers?

I’m 22 – how do I choose a low-cost annuity?

Retirement annuities: the difference between those offered by life insurance companies and LISP platforms.

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

Changing investment strategies based solely on market performance is not advised, especially in retirement.

How do I best invest my R6m lump sum from the RAF?

Consider the emotional benefits of owning your own home without the anxiety of paying off a bond.

How can we apply our stokvel to property development?

How can we invest in the short term for high interest returns to achieve this over the next two years?

How can I invest for good returns, but with low risk?

Are unit trusts or fixed deposit accounts the better option?

Estate planning: Should I transfer my farm to company or trust?

I'd like to transfer my farm into a vehicle to preserve it for my children. I'm told trusts are tax unfriendly.

Are my pension plans wise?

After taking out my pension to pay off my bond, I want to invest the rest in an annuity for life once fully retired.

What are the tax implications of a cash gift?

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.

Set up a trust to save tax? It may not work anymore

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.

Can I use an RA to reduce my tax liability in retirement?

Few people realise that there is no age limit to continue to place capital into a retirement annuity.

Do I need to pay tax on a foreign income?

What are the tax implications if your income is deposited in an offshore account versus an SA-registered bank account?

Can we use trusts to save for an investment property?

A group is committed to collectively saving R45k per month for a year, to purchase an investment property cash.

How do executor fees work?

In the executor's draft for my late father's estate settlement, are the 3.5% fees from the total assets or the net assets?

RA top up or tax-free savings account?

Should I use the RA tax benefit, as allowed by Sars, before investing into a tax-free fund?

Accessing pension lump sums on early retirement: rules and tips

I want to make a query regarding to lump sum withdrawals. In 2014, at 54, my dad resigned from his job at Eskom after 39 years and ten months service, as he was drowning in debt. His pension fund was worth R1.8 million when he submitted the resignati...
NEWSLETTERS WEB APP SHOP PORTFOLIO TOOL TRENDING CPD HUB

Follow us:

Search Articles:Advanced Search
Click a Company: