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Estate planning Insurance Investments Medical Cover Personal Finance Retirement Tax Unit Trusts

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

25 May 2021 / By Rick Briers-Danks

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

Estate planning Insurance Personal Finance

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

20 May 2021 / By Trent Hodges

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

Investments Personal Finance Unit Trusts

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

19 May 2021 / By Rick Briers-Danks

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

Investments Personal Finance Retirement

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

18 May 2021 / By Stephen Katzenellenbogen

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

Investments Personal Finance Retirement

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

13 May 2021 / By Rick Briers-Danks

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

Personal Finance Retirement

Is now a good time to buy a fixed annuity?

12 May 2021 / By Elke Brink

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.

Investments Personal Finance Retirement

What are the tax implications of an inter vivos trust?

11 May 2021 / By Gareth Collier

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

Estate planning Personal Finance Tax

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

6 May 2021 / By Rick Briers-Danks

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

Personal Finance Retirement Tax

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

5 May 2021 / By Craig Torr

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

Personal Finance Retirement Tax

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

4 May 2021 / By Jesse Morgans

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

Investments Personal Finance

Will I have to pay penalties for transferring my RA?

22 Apr 2021 / By Mauro Forlin

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

Investments Personal Finance Retirement

Which tax-free investment account should I consider?

21 Apr 2021 / By Thulisile Nkomo

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).

Investments Personal Finance Retirement

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

20 Apr 2021 / By Elke Brink

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

Investments Personal Finance

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

15 Apr 2021 / By Toy Meyer

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.

Personal Finance Retirement

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

14 Apr 2021 / By Michael Haldane

If so, are there any tax consequences to consider?

Personal Finance Retirement

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

13 Apr 2021 / By Jesse Morgans

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

Investments Personal Finance Tax

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

8 Apr 2021 / By Eric Jordaan

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

Insurance Investments Personal Finance

What should I consider when purchasing an annuity?

7 Apr 2021 / By Devon Card

And what costs should I expect to pay?

Investments Personal Finance Retirement

How can I buy Tesla shares?

6 Apr 2021 / By Craig Turton

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

Investments Personal Finance

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.

Investments Personal Finance Retirement Tax

Should I invest or pay off debt?

7 May 2020 / By Thulisile Nkomo

Paying off debt will mean that you have more money to invest in the future.

Investments Personal Finance

Financial emigration: Should I withdraw my retirement savings?

UPDATE

29 Jan 2018 / By Magnus Heystek Jr

If I emigrate, I’m considering cashing out my pension as part of the discretionary R1 million allowance.

Retirement Tax

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

9 Feb 2021 / By Rick Briers-Danks

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

Estate planning Personal Finance

I have a six-month investment term. What should I invest in?

10 Jun 2020 / By Stephen Katzenellenbogen

There is no perfect solution, but here are a few ideas to think about.

Investments Personal Finance Unit Trusts

How can I buy Tesla shares?

6 Apr 2021 / By Craig Turton

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

Investments Personal Finance

What’s the best low-risk, income-generating investment for a retiree?

14 Feb 2020 / By Elke Brink

Structuring a retirement income product is one of the most important investment decisions you'll make.

Investments Retirement

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

25 Aug 2021 / By Stephen Katzenellenbogen

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

Investments Personal Finance

How do executor fees work?

29 Aug 2017 / By Stephen Katzenellenbogen

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?

Estate planning

Are RSA retail bonds an option for a pensioner requiring monthly income?

30 Jun 2020 / By Trevor Lee

And what are the risks?

Investments Personal Finance Retirement

How can I get a better return when investing R100k?

24 Jun 2020 / By Elke Brink

Your investment term will determine your investment options and potential return.

Investments Personal Finance Retirement

My investment has lost R250k. How can I avoid more losses?

29 Apr 2020 / By Devon Card

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.

Investments Personal Finance Retirement

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

17 Feb 2021 / By Mauro Forlin

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.

Investments Personal Finance Retirement

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

19 May 2021 / By Rick Briers-Danks

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

Investments Personal Finance Retirement

Which unit trusts should my children invest in?

4 Apr 2019 / By Mags Heystek

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

Investments

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

1 Dec 2020 / By Mauro Forlin

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

Investments Personal Finance Retirement

Which of my three properties should I pay off first?

24 Mar 2021 / By Craig Turton

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

Investments Personal Finance

Should I keep my emergency fund in my bond?

26 Jan 2021 / By Thulisile Nkomo

Or are there better investments I could make?

Investments Personal Finance

Is there a tax-saving route to financial emigration?

9 Sep 2019 / By Brian Butchart

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?

Tax

Offshore investing: How do I navigate wills and tax?

5 Oct 2017 / By Suzean Haumann

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

Estate planning Investments Tax

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

15 Jul 2020 / By Trent Hodges

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

Estate planning Tax

Viewing 31 - 45 of 338 total

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