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What are the tax implications of transferring my RAs into a living annuity?

17 Sep 2020
Transfers to a living annuity are done on a tax-neutral basis, but there are a few things to be aware of.

Can I split my retirement savings into two living annuities without incurring tax?

16 Sep 2020
It's not necessary – diversification can also be achieved within one vehicle.

How would an offshore dividend be taxed?

15 Sep 2020
Most foreign dividends are taxable at a maximum effective rate of 20% via the normal tax system.

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.

If a minor inherits immovable property, can it be managed by their guardian?

9 Sep 2020
And how many immovable properties can be bequeathed without needing to pay transfer duty?

Should I invest in overseas feeder funds or overseas rental property?

8 Sep 2020
The two differ significantly in terms of risk, possible returns and diversification opportunities.

Can I reduce my monthly bond premium instead of the repayment term?

3 Sep 2020
You can. After making your lump sum payment, inform your bank that you want your monthly premiums adjusted accordingly.

Should I invest my emergency fund in a tax-free investment while I look for work?

2 Sep 2020
Whichever product you choose, you should be able to access it when necessary and it shouldn't be exposed to the volatility of the listed share markets.

What are the tax implications of my business making donations to a trust?

1 Sep 2020
Before making donations from funds in your CC, make your tax-deductible contribution to a retirement fund.

Where can I open a tax-free investment where I benefit from compound interest?

13 Aug 2020
Investing with a wealth manager on an investment platform and following a unit trust approach is one option.

When I die, will stocks held in a US stock exchange through a UK bank be regarded as US or UK assets?

12 Aug 2020
The location of the asset, not the stockbroking account, is what counts.

Will a dollar/pound investment safeguard the value of my money?

11 Aug 2020
Foreign cash in the bank is likely to face the headwinds of inflation, low-interest rates and potential costs.

My husband’s preservation fund interest is low. What are the alternatives?

6 Aug 2020
The first step is to determine whether the current asset allocation is appropriate.

Should I invest R1m in a balanced unit trust for medical expenses?

5 Aug 2020
If I go through with this, I would then cancel my medical aid.

What are the tax implications of transferring a farm into a company?

4 Aug 2020
The first consideration is how the transfer will be effected.

Is the value of a living annuity included in the calculation of executors’ fees?

30 Jul 2020
The only instance where such fees may be charged is where no beneficiary is nominated to the living annuity.

Is it wise to invest R1m of my pension in fixed assets for five years?

29 Jul 2020
Investing in fixed income instruments over a long period could lead to higher longevity risk for retired investors.

Is a tax-free fixed deposit the best way to use my tax-free allowance?

28 Jul 2020
Or should I invest in a unit trust or ETF portfolio?

Should I file a complaint against my wealth manager with the FSCA?

23 Jul 2020
Steps to take before approaching the regulator.

Are provident fund transfers restricted when changing jobs?

22 Jul 2020
You may move your provident fund but it's important to understand all the options available before making any decisions.

Is the Easy Equities platform best?

13 Oct 2020
And what other platforms encourage investors to invest in a cheaper way?

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 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.

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.

What happens to a pension payout on dismissal?

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

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 get a better return when investing R100k?

24 Jun 2020
Your investment term will determine your investment options and potential return.

Which unit trusts should my children invest in?

4 Apr 2019
Having a long-term view and being overweight in offshore funds is probably best.

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.

Is there a tax-saving route to financial emigration?

9 Sep 2019
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?

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

25 Jun 2018
My flexible investment has taken a big knock and I am very worried as I am now digging into my capital.

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

31 Jul 2018
Is a retirement annuity, unit trust, or tax-free savings account the way to go?

Is it a good time to exchange dollars to rand to pay off debt?

6 May 2020
Or would it be better to invest the dollars offshore longer term?

Can I still invest in an RA at 50?

9 Apr 2020
Yes, there is no age limit on retirement annuity contributions.

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

26 Apr 2019
Changing investment strategies based solely on market performance is not advised, especially in retirement.

Offshore investing: How do I navigate wills and tax?

5 Oct 2017
Are there issues with foreign investments in the event of one's death regarding separate wills and executors, estate duty, and insurance wrappers?
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