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How is tax calculated when you sell foreign ETFs?

25 Jun 2020
There have been no major changes to the Income Tax Act since 2015, except for amendments to include rates and exemption levels of certain taxes.

How can I get a better return when investing R100k?

24 Jun 2020
Your investment term will determine your investment options and potential return.

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?

I have more than R5m to invest. How can I double it?

20 Apr 2021
If you want to enjoy higher returns in any investment, you will need to have equity exposure.

The best place to park your cash

23 May 2017
What are the best places to park cash (and perhaps in what currency) for an investment return?

How will I be taxed on unit trust withdrawals?

7 Aug 2019
Local unit trusts generally attract dividend and interest taxes and possibly capital gains tax on withdrawal.

Can South Africans contribute to an offshore annuity?

3 Mar 2021
Reader asks what options are available.

Independent advisors vs ‘tied’ financial organisations

21 Feb 2017
'Independence allows me the space to find the appropriate solution for a client' - Craig Gradidge, Gradidge-Mahura Investments.

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.

Should I file a complaint against my wealth manager with the FSCA?

23 Jul 2020
Steps to take before approaching the regulator.

How do I construct a portfolio to live off?

25 May 2017
I’m 25 years old, have a long-term investment horizon, looking for adequate returns and gains on capital. I have the following investments...

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 sell my RMH shares or hold on to them?

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

I’m emigrating, what happens to my provident fund?

22 Jun 2017
I can't decide if I should invest it here in SA, or overseas, and I don't know what the tax implications are….

Where do I invest my R150 000 lump sum?

16 May 2017
I have R 150 000 that I'd like to invest into a compound interest account and then contribute R4 000 monthly to it. What would be the best option for me, that would also allow access to my money when I need it?

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.

How should I invest my R1.5m for retirement?

28 Sep 2017
What kind of investment would you recommend with the lowest costs possible, maximum returns and minimum tax implications?

Settling debt versus investing: What are my options?

14 Jul 2021
Should I focus solely on settling my home loan, or on doing that while contributing to another investment?

How do I become financially independent in a decade?

10 Oct 2017
What sort of capital investment and monthly contribution would be realistic in achieving this goal?

Should I invest a lump sum or contribute monthly?

22 Jul 2019
The amount of time you spend in the market and the frequency with which you invest are two important factors to consider.

Can I reduce my monthly bond premium instead of the repayment term?

3 Sep 2020
You can. After making your lump sum payment, inform your bank that you want your monthly premiums adjusted accordingly.

Will a donation to my spouse trigger capital gains tax?

12 Sep 2017
I'm married out of community of property and would like to donate unit trusts to my spouse.

How do I start a share portfolio?

6 Feb 2019
What is a good balanced portfolio to start with for someone in their 20s?
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