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

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

1 answered

  /  18 December 2018    236
A combination of income funds run by respected asset managers may be one of the safest forms of investment, other than cash.
Investments Unit Trusts
How do I get started with my financial planning?

How do I get started with my financial planning?

1 answered

  /  13 December 2018    71
Is it advisable to join the company's prescribed medical aid and retirement plans?
Retirement
How do I get my pension to last?

How do I get my pension to last?

1 answered

  /  12 December 2018    44
My pension resides on a Lisp via a living annuity. How do I achieve 5-8% growth, net of costs?
Retirement
My unit trust fund investment hasn’t accrued in value

My unit trust fund investment hasn’t accrued in value

1 answered

  /  23 August 2018    119
What should I do to ensure I get some income from this investment?
Investments Retirement Tax
How do I prepare financially for my child’s education?

How do I prepare financially for my child’s education?

1 answered

  /  22 August 2018    48
How much on average should you put away each month? 
Investments Personal Finance
I want to use some of my pension on debt and a deposit on a house

I want to use some of my pension on debt and a deposit on a house

1 answered

  /  10 August 2018    103
Where can I transfer the remaining funds without incurring too much tax?
Personal Finance Retirement Tax
What happens when I default on my RA payments?

What happens when I default on my RA payments?

1 answered

  /  8 August 2018    36
I've been contributing for 10 years, but haven't been able to pay the last three months.
Personal Finance Retirement
How should a 23-year-old invest their money?

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

1 answered

  /  31 July 2018    159
Is a retirement annuity, unit trust, or tax-free savings account the way to go?
Insurance Investments Personal Finance Retirement Tax Unit Trusts
What is the best way to save/invest for an engagement ring?

What is the best way to save/invest for an engagement ring?

1 answered

  /  26 July 2018    43
Should I save a monthly amount in a bank account or invest it?
Investments Personal Finance
How can I pursue a career as an investment advisor?

How can I pursue a career as an investment advisor?

1 answered

  /  25 July 2018    44
My true passion is investments and I would like to start at entry level.
Investments Personal Finance
What would the executor’s fee be on a loan to my children?

What would the executor’s fee be on a loan to my children?

UPDATE

1 answered

  /  22 July 2018    89
I want to give each of my children R500 000 to pay me a set monthly income.
Personal Finance Tax
How can we apply our stokvel to property development?

How can we apply our stokvel to property development?

1 answered

  /  18 July 2018    139
How can we invest in the short term for high interest returns to achieve this over the next two years?
Investments Personal Finance
How should I invest R1.2m for a monthly income at retirement?

How should I invest R1.2m for a monthly income at retirement?

1 answered

  /  13 July 2018    257
I cannot take a lot of risk, as this is all the money I have.
Investments Personal Finance Retirement
How should I use a lump sum for monthly income?

How should I use a lump sum for monthly income?

1 answered

  /  9 July 2018    101
I can either invest it, or I can buy a property to rent out.
Investments Retirement
Can I invest offshore without a broker?

Can I invest offshore without a broker?

1 answered

  /  4 July 2018    71
Are there any platforms that cut out the middle man?
Investments Personal Finance Retirement
What is the best way forward with my Sasol pension?

What is the best way forward with my Sasol pension?

1 answered

  /  3 July 2018    26
I have many options, but I'm not sure which one will benefit me the most.
Investments Personal Finance Retirement Tax
How will proceeds be taxed if money is invested in a grandchild’s name?

How will proceeds be taxed if money is invested in a grandchild’s name?

1 answered

  /  26 June 2018    41
Are minors regarded as separate taxpayers?
Investments Tax
Which is a better option for a 71-year old: fixed deposit or stick to unit trusts?

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

1 answered

  /  25 June 2018    157
My flexible investment has taken a big knock and I am very worried as I am now digging into my capital.
Estate planning Investments Personal Finance Retirement Unit Trusts
What is the Sars rate for future capital gains?

What is the Sars rate for future capital gains?

1 answered

  /  21 June 2018    30
I'm still in the process of legalising my offshore investments, including unit trusts in the UK.
Investments Personal Finance Tax
How can I teach my children about trading?

How can I teach my children about trading?

1 answered

  /  20 June 2018    42
I want my teenagers to the learn the ropes of stock exchanges – where do I start?
Investments
My unit trust fund investment hasn’t accrued in value

My unit trust fund investment hasn’t accrued in value

1 answered

  /  23 August 2018    119
What should I do to ensure I get some income from this investment?
Investments Retirement Tax
Do I invest in an income/growth portfolio or a pure income fund?

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

1 answered

  /  1 April 2019    116
I have R6 million to invest for retirement income: which option is best?
Investments Retirement
How do I invest in property outside SA?

How do I invest in property outside SA?

1 answered

  /  11 October 2019    116
Buying property offshore might be quite rewarding, but there are some risks to be aware of.
Investments
Can I retire from just one RA?

Can I retire from just one RA?

1 answered

  /  22 January 2018    110
Reporting on this RA is poor and I would like to retire early and turn it into a living annuity, or preserve it.
Retirement
I am emigrating, what happens to my unsecured debt?

I am emigrating, what happens to my unsecured debt?

1 answered

  /  28 May 2018    107
I have credit cards and personal loans - can I still do a financial emigration?
Personal Finance
I want to use some of my pension on debt and a deposit on a house

I want to use some of my pension on debt and a deposit on a house

1 answered

  /  10 August 2018    103
Where can I transfer the remaining funds without incurring too much tax?
Personal Finance Retirement Tax
Should I use my provident fund to buy property and rent it out?

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

1 answered

  /  25 April 2019    102
There are tax implications to consider.
Retirement
How should I use a lump sum for monthly income?

How should I use a lump sum for monthly income?

1 answered

  /  9 July 2018    101
I can either invest it, or I can buy a property to rent out.
Investments Retirement
What is the most tax-efficient way to sell a property in a trust?

What is the most tax-efficient way to sell a property in a trust?

1 answered

  /  2 November 2017    99
... and where do I invest the proceeds if I'm planning to retire in 5-10 years?
Tax
How can I access part of my annuity?

How can I access part of my annuity?

1 answered

  /  28 January 2019    92
I was retrenched in August 2015 and need to buy a property with some money left in my RA.
Retirement
Two investment options for your child’s future

Two investment options for your child’s future

1 answered

  /  3 October 2017    91
I'm not completely convinced that the education policy route is the best way to go. I’ve reached an impasse.
Investments
How do I invest for more income?

How do I invest for more income?

1 answered

  /  8 February 2019    90
And what is a safe amount to draw each month?
Investments Retirement
What would the executor’s fee be on a loan to my children?

What would the executor’s fee be on a loan to my children?

UPDATE

1 answered

  /  22 July 2018    89
I want to give each of my children R500 000 to pay me a set monthly income.
Personal Finance Tax
Can I offset my R1.5m assessed capital loss with Sars?

Can I offset my R1.5m assessed capital loss with Sars?

1 answered

  /  19 April 2018    89
What can I do to maximise the utilisation of this tax vehicle?
Investments Tax
Do the default regulations allow me to transfer my pension fund?

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

1 answered

  /  24 July 2019    88
Yes – but consider investment fees, fund performance, risk tolerance and investment horizon.
Retirement
I’m about to reach 65 – do I resign or retire?

I’m about to reach 65 – do I resign or retire?

1 answered

  /  11 July 2017    87
I have two options, namely retirement or resignation from government service.
Retirement
The best place to park your cash

The best place to park your cash

1 answered

  /  23 May 2017    86
What are the best places to park cash (and perhaps in what currency) for an investment return?
I’m 50: Is it too late to start saving for retirement?

I’m 50: Is it too late to start saving for retirement?

2 answered

  /  27 June 2017    85
I have never had the luxury to save for my retirement. I want to contribute to a fund now: is this possible?
Retirement
Independent advisors vs ‘tied’ financial organisations

Independent advisors vs ‘tied’ financial organisations

Answered by:  /  21 February 2017    83
'Independence allows me the space to find the appropriate solution for a client' - Craig Gradidge, Gradidge-Mahura Investments.
I’m emigrating, what happens to my provident fund?

I’m emigrating, what happens to my provident fund?

1 answered

  /  22 June 2017    82
I can't decide if I should invest it here in SA, or overseas, and I don't know what the tax implications are….
Retirement Tax

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