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Home    Ask an Advisor

Is it advisable to invest in crowd farming?

27 Jan 2021
As with any other investment, it is important to fully understand the risks involved.

Should I keep my emergency fund in my bond?

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

How can I buy Netflix and Amazon shares in South Africa?

19 Jan 2021
Finding a platform is easy enough, it’s picking the sector and the individual stocks within that sector that is more tricky.

If you breach Regulation 28 limits, how long do you have to rectify it?

14 Jan 2021
And if you don't rectify the breach, what are the implications?

Should I sell my RMH shares or hold on to them?

13 Jan 2021
If you sell your stock, you will realise the 46% loss.

Can a parent claim for a loan repayment against their child’s joint estate?

12 Jan 2021
She married in community of property and is now getting divorced.

What’s the best way to invest R10k for my son’s university education?

23 Dec 2020
And which unit trust fund would be best should I want to invest one?

I’m R205k in debt. How do I become debt-free?

22 Dec 2020
You may need to consider applying for debt counselling.

I’m under debt review. Can I withdraw cash from my pension to buy a house?

18 Dec 2020
The only time you may access these funds is if you leave your employer.

What should I consider when moving my pension to a preservation fund?

17 Dec 2020
It's important to know what the various providers can and cannot offer you.

Which investment vehicle is best for our kids?

15 Dec 2020
Our options are tax-free savings accounts, retirement annuities and endowment policies.

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.

What should I consider when looking for a retirement annuity?

26 Nov 2020
If this is your only investment you may want to explore splitting across other products to get product, liquidity and tax diversification.

How can I ensure land I donate to my ex doesn’t form part of her marriage?

25 Nov 2020
If your ex is married in community of property, the vacant land you donate will form part of the joint estate – but there are various options open to you.

Is it advisable to draw the max from my LA and reinvest the monies offshore?

24 Nov 2020
There is no benefit to what you are proposing, and the risk of incurring a higher tax liability.

Can I set up a trust fund to pay for my mentally impaired child’s needs?

19 Nov 2020
And can I choose a non-profit organisation as trustee of the fund?

If my LA is invested in foreign portfolios, can my income be paid into a global account?

18 Nov 2020
Foreign exchange control regulations prevent this – but once you receive your income in rands you can transfer it to an offshore bank account.

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.

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.

Can I still invest in an RA at 50?

9 Apr 2020
Yes, there is no age limit on retirement annuity contributions.

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.

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.

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.

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.

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...

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

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

If married in COP, is my partner’s pension at risk due to my business debt?

4 Mar 2021
How can I avoid such danger before they resign?

Should I cash in my RAs and invest in living annuities?

22 Jul 2021
And does it make sense to buy another RA after one retires as I will be paying tax on my income from part-time work?

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?

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?

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 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.

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.

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.

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?
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