You are currently viewing our desktop site, do you want to download our app instead?
Moneyweb Android App Moneyweb iOS App Moneyweb Mobile Web App

NEW SENS search and JSE share prices

More about the app

Home    Ask an Advisor

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.

My investment has lost R250k. How can I avoid more losses?

29 Apr 2020
Your decision to withdraw from your RA should not be based solely on the drop in your investment value or the returns promised by a fixed deposit.

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.

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.

Is it wise to invest all my retirement savings offshore?

21 Apr 2020
Not if you are planning to retire in South Africa.

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.

Can I still invest in an RA at 50?

9 Apr 2020
Yes, there is no age limit on retirement annuity contributions.

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.

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.

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.

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.

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.

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.

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.

Does the asset allocation in my investment portfolio make sense?

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

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.

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.

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

10 Feb 2020
Various available investment options will outperform cash over time.

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.

What are the tax implications of an inter vivos trust?

11 May 2021
And what should an individual’s net asset value be for such a trust to be effective?

I’m 69 and working. How do I gain more tax relief?

25 Jul 2019
A look at how to benefit from medical aid and retirement annuity contributions.

What are the tax implications for the beneficiary of my living annuity?

28 Mar 2019
Will my minor grandchild be able to register as a taxpayer?

Can I afford to retire early?

24 Aug 2017
Will I be OK to retire next year at 61, take R500 000 tax free and invest the balance with 4% monthly as an income?

Can I use tracker funds as part of a living annuity portfolio?

17 Jan 2019
A combination of offshore index trackers, active funds and income funds can be a winning long-term strategy in a living annuity.

Is it advisable to invest in crowd farming?

27 Jan 2021
As with any other investment, it is important to fully understand the risks involved.

What should I consider before investing in shares?

5 Feb 2020
The first step is to determine what your investment objective is.

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?

Is it wise to invest R1m of my pension in fixed assets for five years?

29 Jul 2020
Investing in fixed income instruments over a long period could lead to higher longevity risk for retired investors.

Do we have recourse against Ecsponent-punting brokers?

2 Oct 2020
There are several possible steps: lodge a complaint with the brokers. If the outcome's unsatisfactory, approach the ombud. If the loss exceeds R800 000, consider instituting a civil claim.

Can I invest offshore without a broker?

4 Jul 2018
Are there any platforms that cut out the middle man?

Should I switch my living annuity fund?

16 Feb 2018
My investment lost money recently - should I switch into a safe money market fund as soon as possible?

How do I choose the best living annuity, return-wise?

5 Sep 2019
Avoid picking funds purely on performance – simply going for last year’s winners or losers isn't a fund-selection process.

How do I get started with my financial planning?

13 Dec 2018
Is it advisable to join the company's prescribed medical aid and retirement plans?

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?

How best do we protect our retirement capital?

22 Mar 2019
... and keep the same standard of living?

Can value loss in pre-retirement investments normalise after upswings?

23 Sep 2019
The optimal solution is a well-thought-out balancing act.

How can I reduce the costs of my living annuities?

27 Mar 2019
I have three living annuities and their performance has been dismal due to the state of the economy.

Can I get tax benefits from contributing to my kids’ RAs?

19 Sep 2019
Considerations when contributing toward retirement annuities and other long-term investments for your children.

When I die, will stocks held in a US stock exchange through a UK bank be regarded as US or UK assets?

12 Aug 2020
The location of the asset, not the stockbroking account, is what counts.
INSIDER SUBSCRIPTIONS APP VIDEOS RADIO / LISTEN LIVE SHOP OFFERS WEBINARS NEWSLETTERS TRENDING PORTFOLIO TOOL CPD HUB

Follow us:

Search Articles:
Click a Company: