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Home    Ask an Advisor

What is the best way forward with my Sasol pension?

3 Jul 2018
I have many options, but I'm not sure which one will benefit me the most.

How will proceeds be taxed if money is invested in a grandchild’s name?

26 Jun 2018
Are minors regarded as separate taxpayers?

Which is a better option for a 71-year old: fixed deposit or stick to unit trusts?

25 Jun 2018
My flexible investment has taken a big knock and I am very worried as I am now digging into my capital.

What is the Sars rate for future capital gains?

21 Jun 2018
I'm still in the process of legalising my offshore investments, including unit trusts in the UK.

How can I teach my children about trading?

20 Jun 2018
I want my teenagers to the learn the ropes of stock exchanges – where do I start?

Should I take my Flexi pension and invest in a business?

7 Jun 2018
Self-employed and old pension won't be able to sustain retirement.

Which option is best when applying for a home loan?

1 Jun 2018
Should I use my savings as additional payments with 100% bond or pay the savings as deposit, then request a bond?

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?

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

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

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 do I invest R4m for future education expenses?

14 May 2018
Remember to set up an emergency fund to cover unexpected expenses.

How best do I invest R915k for tertiary education?

3 May 2018
What is the best vehicle to use?

What is the tax impact of a loan to my daughter?

30 Apr 2018
I want to loan my daughter money to build a property, with a contract in place on how interest and capital will be repaid.

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?

How do I invest for a R20 000 monthly income?

20 Mar 2018
Three of the biggest risks someone close to, or at retirement faces: longevity, inflation, and the underlying investment assets.

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?

DIY: Financial ‘self-help’ plans

6 Mar 2018
I want to start a share portfolio but don’t want to rush. What do you make of my share picks?

I’m 22 – how do I choose a low-cost annuity?

1 Mar 2018
Retirement annuities: the difference between those offered by life insurance companies and LISP platforms.

Double taxation: did Sars tax me correctly?

28 Feb 2018
I have been a tax resident offshore since 1981. Sars taxed my lump-sum payout from my matured SA annuity policy on the full amount before payment was made into my account.

Are my financial advisor’s fees justified?

26 Feb 2018
Am I under an obligation to give 1% of my funds to the broker who I originally took the investment out with every time I make a deposit?

How can I build an ‘extra fund’ to retire early?

25 Jul 2017
I’m 22 and would like an ‘extra fund’ to use to retire early, buy an investment property, travel or start a business.

How would an offshore dividend be taxed?

15 Sep 2020
Most foreign dividends are taxable at a maximum effective rate of 20% via the normal tax system.

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.

Are my financial advisor’s fees justified?

26 Feb 2018
Am I under an obligation to give 1% of my funds to the broker who I originally took the investment out with every time I make a deposit?

Managing household expenses in tough economic times

29 Apr 2017
During economic hardship, try to limit your exposure to debt as much as possible.

How do I prepare financially for my child’s education?

22 Aug 2018
How much on average should you put away each month? 

Could I lose my pension during this coronavirus crisis?

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

Does the asset allocation in my investment portfolio make sense?

4 Mar 2020
Understanding your investment objectives is the first step.

Are provident fund transfers restricted when changing jobs?

22 Jul 2020
You may move your provident fund but it's important to understand all the options available before making any decisions.

Is a low-risk investment for you?

20 Jul 2017
I'm looking for the highest returns on low-risk investments in South Africa....

Is the value of a living annuity included in the calculation of executors’ fees?

30 Jul 2020
The only instance where such fees may be charged is where no beneficiary is nominated to the living annuity.

If a minor inherits immovable property, can it be managed by their guardian?

9 Sep 2020
And how many immovable properties can be bequeathed without needing to pay transfer duty?

How can I pursue a career as an investment advisor?

25 Jul 2018
My true passion is investments and I would like to start at entry level.

How do I get my pension to last?

12 Dec 2018
My pension resides on a Lisp via a living annuity. How do I achieve 5-8% growth, net of costs?

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.

Should I invest my emergency fund in a tax-free investment while I look for work?

2 Sep 2020
Whichever product you choose, you should be able to access it when necessary and it shouldn't be exposed to the volatility of the listed share markets.

TFSAs: Do transfers, dividend reinvestment affect limits?

5 Sep 2017
Does selling one ETF to reinvest in another, reinvesting dividends or withdrawing affect TFSA limits?

How do I find a missing policy in my name?

31 Oct 2017
My late father took out a policy/investment/trust fund in my name several years ago. Is there anyway I can find out if there is actually something in my name?

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

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

Will I be taxed for contributions to a new business?

6 Sep 2019
Tax implications will depend on the nature of the business and how you structure the investment.

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