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I’m 75 with no pension. How can I invest R750k to generate income?

23 Jun 2020
Investment plans have to be carefully customised to each investor’s specific requirements.

Was it in my best interest to sign a Category II mandate?

11 Jun 2020
A discretionary mandate is used by an investor and a financial services provider to assist in the ongoing positioning of a portfolio as circumstances change.

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 does a recent court ruling affect living annuities in divorce?

9 Jun 2020
The SCA ruled that the right to receive annuity payments is an asset in the annuitant’s estate and can be taken into account for the determination of accrual.

How can I repay my home loan more quickly?

4 Jun 2020
Settling your other debt could free additional cash flow, which can then go towards your home loan.

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 finance a property I technically own?

2 Jun 2020
A secured loan may be the option for you.

Can you buy shares in a listed company that wants to delist?

28 May 2020
And what happens to those shares if the company does delist?

Will a rand- and dollar-denominated ETF have the same returns?

27 May 2020
The simple answer is yes, but a number of other factors will affect returns.

What options are available for ethical investing?

26 May 2020
Shariah-compliant funds and ESG investment products are among the choices available to you.

Was the tax calculation on my pension withdrawal correct?

21 May 2020
You need to determine whether you've made any previous withdrawals that would have impacted how you've been taxed.

Is rental property still a good investment?

20 May 2020
There are several high-level considerations when deciding whether or not a rental property is a good investment.

How can I incentivise clients without affecting cash flow?

19 May 2020
While rewarding clients who are keeping your business afloat is great, you should not commit to negative cash flows in the future.

Why are loan requirements for commercial property so onerous?

14 May 2020
And where can I find other solutions to gear my commercial property?

Does the low Brent crude price make oil stocks a buy?

13 May 2020
And how do you go about obtaining oil shares?

How should I tackle divorce debt on my pension fund?

12 May 2020
It is important to have a holistic view of your entire balance sheet before making a decision.

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.

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?

Could I lose my pension during this coronavirus crisis?

UPDATE
5 May 2020
And would it be better to cash out or preserve it?

Which loan is best for home renovations?

30 Apr 2020
The choice will be driven by several factors.

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.

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?

RA top up or tax-free savings account?

31 May 2018
Should I use the RA tax benefit, as allowed by Sars, before investing into a tax-free fund?

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.

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.

How do I finance a property I technically own?

2 Jun 2020
A secured loan may be the option for you.

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.

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?

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.

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?

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

25 Apr 2019
There are tax implications to consider.

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.

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.

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.

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?

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?

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?

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.

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.

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.
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