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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.

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?

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?

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

6 May 2021
You are entitled to request reasons from Sars regarding the deduction and to object to those reasons if you feel they are not valid.

How do I finance a property I technically own?

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

How much capital do I need to retire early?

UPDATE
11 Feb 2021
I would like a monthly interest payout of R50 000 after tax.

Will Sars penalise my kids for investments I made in their names?

20 Jul 2021
It is unlikely, unless the unit trust investments exceeded certain thresholds – but going forward, it is important that they understand what types of incomes the different asset classes attract.

Does a divorced spouse benefit from the sale of a deceased ex’s property?

22 Sep 2021
Both parties are still registered as co-owners of the property.

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.

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.

Cohabiting: Can I lay a claim to a property if I can prove financial contribution to the bond?

23 Jun 2021
In the absence of a written agreement, the courts will have very little to rely on when making a determination.

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.

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.

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?

Why do I have to wait until 55 to withdraw from my RA?

27 May 2021
It's the youngest age at which a retirement fund member can legally retire according to the Pension Funds Act.

Income fund vs RSA retail bonds: Which can offer a pensioner decent interest?

2 Sep 2021
Without knowing how much you need on a monthly basis to cover your living expenses, it is difficult to advise the most appropriate investment for your lump sum.

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?
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