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Should I withdraw my investments to invest in RSA retail savings bonds?

3 Jun 2020
You may find that your asset allocation in your current unit trust is appropriate to support your long-term needs.

How do I finance a property I technically own?

2 Jun 2020
A secured loan may be the option for you.

Can you buy shares in a listed company that wants to delist?

28 May 2020
And what happens to those shares if the company does delist?

Will a rand- and dollar-denominated ETF have the same returns?

27 May 2020
The simple answer is yes, but a number of other factors will affect returns.

What options are available for ethical investing?

26 May 2020
Shariah-compliant funds and ESG investment products are among the choices available to you.

Was the tax calculation on my pension withdrawal correct?

21 May 2020
You need to determine whether you've made any previous withdrawals that would have impacted how you've been taxed.

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.

How can I incentivise clients without affecting cash flow?

19 May 2020
While rewarding clients who are keeping your business afloat is great, you should not commit to negative cash flows in the future.

Why are loan requirements for commercial property so onerous?

14 May 2020
And where can I find other solutions to gear my commercial property?

Does the low Brent crude price make oil stocks a buy?

13 May 2020
And how do you go about obtaining oil shares?

How should I tackle divorce debt on my pension fund?

12 May 2020
It is important to have a holistic view of your entire balance sheet before making a decision.

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.

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?

Could I lose my pension during this coronavirus crisis?

UPDATE
5 May 2020
And would it be better to cash out or preserve it?

Which loan is best for home renovations?

30 Apr 2020
The choice will be driven by several factors.

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.

Can I capitalise on the bear market by doing an RA/LA swop?

23 Apr 2020
Retirement annuities, living annuities – any investment decision should be considered within the requirements of a financial plan.

Should I continue with my home purchase after lockdown?

22 Apr 2020
In the current environment you may find that it comes within the price range of more buyers, but there are a number of factors to consider.

Is it wise to invest all my retirement savings offshore?

21 Apr 2020
Not if you are planning to retire in South Africa.

How can I save to live independently?

10 Apr 2020
Use the opportunity of not paying rent at this time to be able to save for the shorter term.

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

1 Mar 2018
Retirement annuities: the difference between those offered by life insurance companies and LISP platforms.

Should I withdraw my investments to invest in RSA retail savings bonds?

3 Jun 2020
You may find that your asset allocation in your current unit trust is appropriate to support your long-term needs.

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

29 Jun 2019
Consider the emotional benefits of owning your own home without the anxiety of paying off a bond.

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

26 Sep 2017
I'd like to transfer my farm into a vehicle to preserve it for my children. I'm told trusts are tax unfriendly.

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

30 May 2018
Are unit trusts or fixed deposit accounts the better option?

How can we apply our stokvel to property development?

18 Jul 2018
How can we invest in the short term for high interest returns to achieve this over the next two years?

Is putting my pension in a money maximiser account best?

2 Apr 2020
Holding your pension fund in cash for an indefinite period could lead to longevity risk in your investment capital.

What are the tax implications of a cash gift?

26 Oct 2017
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.

Are my pension plans wise?

8 Apr 2019
After taking out my pension to pay off my bond, I want to invest the rest in an annuity for life once fully retired.

Do I need to pay tax on a foreign income?

13 Mar 2018
What are the tax implications if your income is deposited in an offshore account versus an SA-registered bank account?

Accessing pension lump sums on early retirement: rules and tips

7 Nov 2016
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...

For tax purposes, can I set up a shelf company to buy property?

21 Jul 2020
Should the shelf company generate an income from the investment property, it will be deemed an active trading company.

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

9 May 2017
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 we use trusts to save for an investment property?

14 Sep 2017
A group is committed to collectively saving R45k per month for a year, to purchase an investment property cash.

RA top up or tax-free savings account?

31 May 2018
Should I use the RA tax benefit, as allowed by Sars, before investing into a tax-free fund?

I am emigrating, what happens to my unsecured debt?

28 May 2018
I have credit cards and personal loans - can I still do a financial emigration?

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.

Is there a tax benefit to purchasing an RA with my retirement lump sum?

3 Apr 2020
Investing your retirement cash lump sum withdrawal into a retirement annuity could prove to be very beneficial.

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.
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