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Will the proceeds of a life insurance policy be paid to me or the deceased’s estate?

25 May 2021
A direct nomination will go directly to you and generally it is best this way from a cost and efficiency point of view.

Should I draw from funds that produce lower or higher returns?

20 May 2021
You could consider withdrawing out of the lower-yielding investment. Here's why.

Is it a good idea to use investment property as my pension fund?

19 May 2021
New pension law about the one-third lump sum is a hindrance if I decide to leave SA.

Is making a withdrawal from my preservation funds the best option for me?

18 May 2021
The overall liquidity of your investment portfolio should be considered when deciding whether to withdraw from a fund and purchase a living annuity.

What will happen to my retirement savings if I elect not to buy a life annuity?

13 May 2021
In most cases your retirement fund will simply remain invested, in the same structure and format as before.

Is now a good time to buy a fixed annuity?

12 May 2021
In addition to the rates currently being offered, it’s advisable to consider whether a life or living annuity will be the best strategy for you.

What are the tax implications of an inter vivos trust?

11 May 2021
And what should an individual’s net asset value be for such a trust to be effective?

Is it possible to get back my retirement fund that was attached by Sars?

6 May 2021
You are entitled to request reasons from Sars regarding the deduction and to object to those reasons if you feel they are not valid.

No tax relief for voluntary payments to German social pension: was this right?

5 May 2021
It would make no sense for Sars to provide tax relief for contributions to a retirement fund registered outside of the country.

I have R225k. What’s the best way to utilise and maximise my capital?

4 May 2021
I'm 21 and thinking of buying an investment property in the next three to five years.

Will I have to pay penalties for transferring my RA?

22 Apr 2021
Can the company enforce its terms and conditions without a signed contract?

Which tax-free investment account should I consider?

21 Apr 2021
If you are looking for a low-cost tax-free investment account, you should consider the one in the form of an ETF (exchange-traded fund).

I have more than R5m to invest. How can I double it?

20 Apr 2021
If you want to enjoy higher returns in any investment, you will need to have equity exposure.

Under the new pension regulations, can you borrow money from your provident fund?

15 Apr 2021
You can borrow funds to buy a property, renovate a property, pay off a housing loan, or to guarantee a housing loan. You cannot use the funds for any other purpose.

Can I transfer my GEPF pension fund into a private living annuity at retirement?

14 Apr 2021
If so, are there any tax consequences to consider?

I want to withdraw R55k from my global account. What’s the best way to use it?

13 Apr 2021
Reader's options include: investing in a TFSA or EasyEquities account, investing directly offshore, or paying a lump sum into their car loan.

How can I be sure my investments will be safe when choosing a new advisory firm?

8 Apr 2021
Will professional indemnity insurance cover a client’s funds, and against what?

What should I consider when purchasing an annuity?

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

How can I buy Tesla shares?

6 Apr 2021
There are affordable ways for those in South Africa to get exposure to this stock.

How much do I need to invest for a monthly income below the tax threshold?

25 Mar 2021   /  2 answered
Two advisors tackle this reader's question.

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.

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.

How can I ensure my life policies and pension get paid into a testamentary trust?

9 Feb 2021
There's no perfect solution, but here are some options....

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.

How can I buy Tesla shares?

6 Apr 2021
There are affordable ways for those in South Africa to get exposure to this stock.

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.

I won R3m in the lotto. How should I invest it?

25 Aug 2021
In choosing where to invest, you need to consider factors such as inflation, current interest rates, your investment timeframe, and your risk appetite.

How do executor fees work?

29 Aug 2017
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?

How can I get a better return when investing R100k?

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

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.

At 77, is it better to invest R5m with African Bank or in a share portfolio?

17 Feb 2021
When deciding, you need to consider the risk to the capital over time, accessibility to capital during the investment term and the tax implications of the investment.

Is it a good idea to use investment property as my pension fund?

19 May 2021
New pension law about the one-third lump sum is a hindrance if I decide to leave SA.

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.

I’m unhappy with the performance of my RAs. What recourse do I have?

1 Dec 2020
You can transfer your retirement annuity to a Lisp-based retirement annuity with the same provider.

Which of my three properties should I pay off first?

24 Mar 2021
The sooner you pay off the bond on your primary residence the better.

Should I keep my emergency fund in my bond?

26 Jan 2021
Or are there better investments I could make?

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?

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?

What is the most effective way to move a company into a trust?

15 Jul 2020
There are various options, and many factors to consider when dealing with the transfer of assets.
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