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Will I be able to draw all the cash from my pension preservation fund after March 2021?

17 Nov 2020
The scheduled tax legislation change relates specifically to provident preservation funds.

Is Breck Integrated Investment legit?

12 Nov 2020
It claims the return on your investment can be up to 65% in 30 days.

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.

Living annuities: Is a drawdown best taken from a local fund?

10 Nov 2020
If the aim is to get maximum global exposure and the drawdown is taken 100% from local funds, how much should be invested in the local fund?

Where can I earn the most interest on my capital when saving for a house?

5 Nov 2020
The term of your investment will play a big role in which products are suitable for your circumstances.

Should I contribute more to my bonds or invest offshore?

3 Nov 2020
Comparing the return of your portfolio to the rate you are paying would be the first step to calculate what is best.

Is the Easy Equities platform best?

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

Can we get one life policy to cover a lender and a shareholder?

5 Oct 2020
Such policies are generally taken out between spouses and not found in a business environment – and there is generally no cost benefit compared with taking out separate policies on each life.

Do we have recourse against Ecsponent-punting brokers?

2 Oct 2020
There are several possible steps: lodge a complaint with the brokers. If the outcome's unsatisfactory, approach the ombud. If the loss exceeds R800 000, consider instituting a civil claim.

How do we amend an inter-vivos trust amid lockdown restrictions?

30 Sep 2020
With Covid-19 travel limitations there is no way we can get the necessary documents originally signed by my son.

What is the best way to spend my tax refund?

28 Sep 2020
Putting it into an RA, settling debt, investing in a tax-free unit trust, or using it as a deposit for a money market account?

Should I use most of my provident fund as capital in a new business?

25 Sep 2020
Quantify the business risks: this represents the majority of your pension, and you don't have time on your side to build it up again.

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.

Can all my investment allocations in my provident fund be invested offshore?

22 Sep 2020
Unfortunately not. The best thing is to look at the total allocation of your provident fund to ensure the maximum of 30% offshore exposure is fully utilised.

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.

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.

How can I buy Tesla shares?

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

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?

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.

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?

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.

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?

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.

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.

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.

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.

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.

Can I use an RA to reduce my tax liability in retirement?

7 Feb 2020
Few people realise that there is no age limit to continue to place capital into a retirement annuity.

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.
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