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

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.
Investments Retirement Tax Unit Trusts
Should I continue with my home purchase after lockdown?

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.
Personal Finance
Is it wise to invest all my retirement savings offshore?

Is it wise to invest all my retirement savings offshore?

21 Apr 2020
Not if you are planning to retire in South Africa.
Investments Personal Finance Retirement
How can I save to live independently?

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.
Investments Personal Finance Retirement
Can I still invest in an RA at 50?

Can I still invest in an RA at 50?

9 Apr 2020
Yes, there is no age limit on retirement annuity contributions.
Investments Personal Finance Retirement Tax
Should I take a bond on paid-up rental property to invest offshore?

Should I take a bond on paid-up rental property to invest offshore?

8 Apr 2020
It wouldn't be wise to put yourself in debt to fund an offshore investment.
Investments Personal Finance Tax Unit Trusts
Is there a tax benefit to purchasing an RA with my retirement lump sum?

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.
Investments Personal Finance Retirement Tax
Is putting my pension in a money maximiser account best?

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.
Investments Personal Finance Retirement
I’ve inherited R200k. What’s the best way to invest it?

I’ve inherited R200k. What’s the best way to invest it?

1 Apr 2020
There are several factors that need to be considered before embarking on your investment journey.
Investments Personal Finance
Should my mom purchase a retirement property using a trust?

Should my mom purchase a retirement property using a trust?

12 Mar 2020
The decision will have to take into account various factors particular to both the individual and the larger family.
Estate planning Personal Finance Retirement Tax
Can I switch unit trusts without incurring CGT?

Can I switch unit trusts without incurring CGT?

10 Mar 2020
It is important to differentiate between a compulsory unit trust investment and a discretionary unit trust investment.
Investments Personal Finance Tax Unit Trusts
Can I claim back for tax on my RA payout?

Can I claim back for tax on my RA payout?

6 Mar 2020
No contributions to any tax-deductible investment product can result in you receiving tax back from Sars.
Investments Personal Finance Retirement Tax
Does the asset allocation in my investment portfolio make sense?

Does the asset allocation in my investment portfolio make sense?

4 Mar 2020
Understanding your investment objectives is the first step.
Investments Personal Finance Unit Trusts
What’s the best low-risk, income-generating investment for a retiree?

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.
Investments Retirement
I’m 52 and haven’t saved enough for retirement. Is it too late?

I’m 52 and haven’t saved enough for retirement. Is it too late?

12 Feb 2020
Asset allocation will play a big role in your investment/retirement outcome.
Investments Personal Finance Retirement
I have R500k in the bank. What should I invest in?

I have R500k in the bank. What should I invest in?

10 Feb 2020
Various available investment options will outperform cash over time.
Investments Personal Finance Unit Trusts
Can I use an RA to reduce my tax liability in retirement?

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.
Investments Personal Finance Retirement Tax
What should I consider before investing in shares?

What should I consider before investing in shares?

5 Feb 2020
The first step is to determine what your investment objective is.
Investments Personal Finance Unit Trusts
Should I keep my life savings in my bond?

Should I keep my life savings in my bond?

4 Feb 2020
The question of paying off debt or contributing to retirement savings is something many South Africans wonder about.
Investments Personal Finance Retirement
What low-risk, high-return investment vehicle can boost savings?

What low-risk, high-return investment vehicle can boost savings?

7 Jan 2020
Higher returns require taking on more volatility and riding out market cycles.
Investments
Will a dollar/pound investment safeguard the value of my money?

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.
Investments Personal Finance
My unit trust fund investment hasn’t accrued in value

My unit trust fund investment hasn’t accrued in value

23 Aug 2018
What should I do to ensure I get some income from this investment?
Investments Retirement Tax
How do I invest in property outside SA?

How do I invest in property outside SA?

11 Oct 2019
Buying property offshore might be quite rewarding, but there are some risks to be aware of.
Investments
How do I finance a property I technically own?

How do I finance a property I technically own?

2 Jun 2020
A secured loan may be the option for you.
Personal Finance
Do I invest in an income/growth portfolio or a pure income fund?

Do I invest in an income/growth portfolio or a pure income fund?

1 Apr 2019
I have R6 million to invest for retirement income: which option is best?
Investments Retirement
Should I use my provident fund to buy property and rent it out?

Should I use my provident fund to buy property and rent it out?

25 Apr 2019
There are tax implications to consider.
Retirement
Can I retire from just one RA?

Can I retire from just one RA?

22 Jan 2018
Reporting on this RA is poor and I would like to retire early and turn it into a living annuity, or preserve it.
Retirement
How should I use a lump sum for monthly income?

How should I use a lump sum for monthly income?

9 Jul 2018
I can either invest it, or I can buy a property to rent out.
Investments Retirement
I’ve inherited R200k. What’s the best way to invest it?

I’ve inherited R200k. What’s the best way to invest it?

1 Apr 2020
There are several factors that need to be considered before embarking on your investment journey.
Investments Personal Finance
I want to use some of my pension on debt and a deposit on a house

I want to use some of my pension on debt and a deposit on a house

10 Aug 2018
Where can I transfer the remaining funds without incurring too much tax?
Personal Finance Retirement Tax
What is the most tax-efficient way to sell a property in a trust?

What is the most tax-efficient way to sell a property in a trust?

2 Nov 2017
... and where do I invest the proceeds if I'm planning to retire in 5-10 years?
Tax
How can I access part of my annuity?

How can I access part of my annuity?

28 Jan 2019
I was retrenched in August 2015 and need to buy a property with some money left in my RA.
Retirement
What are the tax implications of transferring my RAs into a living annuity?

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.
Personal Finance Retirement Tax
I’m about to reach 65 – do I resign or retire?

I’m about to reach 65 – do I resign or retire?

11 Jul 2017
I have two options, namely retirement or resignation from government service.
Retirement
Two investment options for your child’s future

Two investment options for your child’s future

3 Oct 2017
I'm not completely convinced that the education policy route is the best way to go. I’ve reached an impasse.
Investments
Can I offset my R1.5m assessed capital loss with Sars?

Can I offset my R1.5m assessed capital loss with Sars?

19 Apr 2018
What can I do to maximise the utilisation of this tax vehicle?
Investments Tax
Should I continue with my home purchase after lockdown?

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.
Personal Finance
Should I take a bond on paid-up rental property to invest offshore?

Should I take a bond on paid-up rental property to invest offshore?

8 Apr 2020
It wouldn't be wise to put yourself in debt to fund an offshore investment.
Investments Personal Finance Tax Unit Trusts
What would the executor’s fee be on a loan to my children?

What would the executor’s fee be on a loan to my children?

UPDATE
 22 Jul 2018
I want to give each of my children R500 000 to pay me a set monthly income.
Personal Finance Tax
Is it wise to invest all my retirement savings offshore?

Is it wise to invest all my retirement savings offshore?

21 Apr 2020
Not if you are planning to retire in South Africa.
Investments Personal Finance Retirement

   ADVISOR VIEWS

Mid-term budget policy statement highlights 2020

29 Oct 2020 / Mauro Forlin
Mauro Forlin

Freedom of testation: don’t take this liberty for granted

29 Oct 2020 / Eric Jordaan
Eric Jordaan

The evolution of value investing

27 Oct 2020 / Trent Hodges
Trent Hodges

Famous last words: is your will valid?

27 Oct 2020 / Craig Torr
Craig Torr
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