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Can I draw three months’ payment in a month from my living annuity?

29 Jul 2021
Since this is the anniversary month of your annuity you can elect for the drawdown to be paid annually, which would provide you with the liquidity you need – but there are a few things to be aware of.

Should I pay down my overdraft or add extra to the bond payment?

28 Jul 2021
It is best to try and settle the more expensive debt first.

What could a South African do with R500k in a money market account?

27 Jul 2021
Until the interest rate situation changes in South Africa, I would strongly reconsider any cash exposure.

Should I cash in my RAs and invest in living annuities?

22 Jul 2021
And does it make sense to buy another RA after one retires as I will be paying tax on my income from part-time work?

Can the payout of my life insurance policy be deposited into a foreign account?

21 Jul 2021
If your wife still has a local bank account, the proceeds can be transferred to the SA account then sent offshore.

Will Sars penalise my kids for investments I made in their names?

20 Jul 2021
It is unlikely, unless the unit trust investments exceeded certain thresholds – but going forward, it is important that they understand what types of incomes the different asset classes attract.

Settling debt versus investing: What are my options?

14 Jul 2021
Should I focus solely on settling my home loan, or on doing that while contributing to another investment?

How much capital will I need to retire comfortably?

9 Jul 2021
I contribute to a provident fund, retirement annuity, and a tax-free savings account monthly. Is there anything else I should consider to ensure the best outcome for my retirement?

Do reinvested dividends count as part of the R36k limit of a TFSA?

1 Jul 2021
They don't – provided that they are automatically reinvested by the product provider.

Should I leave my money in an overseas pension fund or transfer it to SA?

30 Jun 2021
If I leave it overseas, how will I be taxed on it?

Can you be evicted from a life rights retirement village for non-payment of levies?

29 Jun 2021
Firstly, interest will be charged on the overdue amount, then services may be disconnected or discontinued, then legal proceedings may be instituted. It is ultimately preferable to avoid getting into arrears.

Am I on track to achieve my retirement income goal?

24 Jun 2021
If not, what sort of shortfall am I facing and how much extra would I need to put away each month?

Cohabiting: Can I lay a claim to a property if I can prove financial contribution to the bond?

23 Jun 2021
In the absence of a written agreement, the courts will have very little to rely on when making a determination.

How should I manage a maturing retirement annuity?

22 Jun 2021
The key fundamental is to make sure you understand your goals, and to map them to an investment strategy within different product vehicles.

How can I invest R15m to get a monthly income of R50k?

17 Jun 2021
Retirement planning isn't something that can be done once; it's an individual investment discipline that considers the relevant facts on an ongoing basis.

Are there any legal and financial benefits to incorporating my law practice?

15 Jun 2021
The deciding factor will be whether your income is above or below the 42.4% marginal tax rate threshold.

Will I have to pay provisional tax for crypto coins awarded to me?

3 Jun 2021
And is it safe to overestimate the first submission?

With R800K, what monthly income can I expect if I want an income until I pass on?

2 Jun 2021
And will the balance fall away when I pass on?

Why can I not make a charity a beneficiary of my retirement annuity?

1 Jun 2021
Primarily because the Pension Funds Act requires that the death benefit be paid to your financial dependants.

Why do I have to wait until 55 to withdraw from my RA?

27 May 2021
It's the youngest age at which a retirement fund member can legally retire according to the Pension Funds Act.

How do I invest my pension when I retire?

18 Mar 2019
Two important questions to consider: will you take the allowable cash portion, and what annuity type is most suitable?

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.

Can I safely invest with FedGroup?

UPDATE
27 Jul 2017
Update: FedGroup responds. 'I’m a pensioner with R1.5 million to invest – would it be safe with FedGroup’s bond participation scheme?'

What should I consider when purchasing an annuity?

7 Apr 2021
And what costs should I expect to pay?

What’s better: investing in a 30-day notice account or unit trusts?

18 Dec 2018
A combination of income funds run by respected asset managers may be one of the safest forms of investment, other than cash.

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.

What could a South African do with R500k in a money market account?

27 Jul 2021
Until the interest rate situation changes in South Africa, I would strongly reconsider any cash exposure.

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.

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.

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.

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?

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.

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.

What happens to a pension payout on dismissal?

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

Where can I invest R500k for five years?

12 Aug 2021
You may want to consider investing the money offshore as a diversification and risk mitigation measure.

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.

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.
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