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Contact information

Contact Number: 021-530 8500
 
Address: 5 Long Place, Pinelands, Cape Town, 7405
 
Website: https://www.crue.co.za

About

Craig Torr read for his B.Comm degree at Nelson Mandela University. He is a Certified Financial Planning® professional and is passionate about helping clients create sustainable wealth. Craig is a founding director and shareholder of Crue Invest (Pty) Ltd which he started in 2004 together with his wife, Sue. They have grown the business organically into the niche financial planning practice that it is today.

Company Info

Crue Invest is a fiercely independent, niche financial planning practice based in Pinelands, Cape Town. Crue Invest is one of only 14 companies that hold the FPI Approved Professional Practice™ accreditation. This accolade recognises that the practice meets the highest ethical standards in pursuance of the financial planning profession. It also reinforces that Crue Invest’s standards in terms of knowledge, expertise and ethical conduct are amongst the best in the country. 100% of the company’s advisers hold the CFP® designation. Crue Invest is a fee-based practice that aims to form life-long parterships with clients to create and protect their wealth.

Craig ON MONEYWEB  

Why can I not make a charity a beneficiary of my retirement annuity?

1 June 2021    1    22
Primarily because the Pension Funds Act requires that the death benefit be paid to your financial dependants. ...

No tax relief for voluntary payments to German social pension: was this right?

5 May 2021    4    12
It would make no sense for Sars to provide tax relief for contributions to a retirement fund registered outside of the country. ...

Is it wise to invest in property before emigrating?

18 March 2021    12    111
It is not advisable to tie your capital into South African property as you will need as much liquid capital as possible when emigrating. ...

Can I borrow against my paid-up home?

2 March 2021    2    23
While you are able to apply to borrow against your property, there are dangers in doing so. ...

I’m under debt review. Can I withdraw cash from my pension to buy a house?

18 December 2020    2    211
The only time you may access these funds is if you leave your employer. ...

How do I change my marriage contract from in-community to antenuptial?

11 November 2020    6    227
A notarial contract, once registered at the Deeds Office, will have the effect of an antenuptial contract. ...

Can we get one life policy to cover a lender and a shareholder?

5 October 2020    13
Such policies are generally taken out between spouses and not found in a business environment – and there is generally no cost benefit compared with taking out separate policies on each life. ...

Are provident fund transfers restricted when changing jobs?

22 July 2020    47
You may move your provident fund but it's important to understand all the options available before making any decisions. ...

What is the maximum I can increase my monthly pension payout to?

1 July 2020    39
The living annuity drawdown rules have been temporarily relaxed, allowing annuitants to adjust their drawdown rates to between 0.5% and 20% until September 30. ...

Should I withdraw my investments to invest in RSA retail savings bonds?

3 June 2020    150
You may find that your asset allocation in your current unit trust is appropriate to support your long-term needs. ...

Was the tax calculation on my pension withdrawal correct?

21 May 2020    109
You need to determine whether you've made any previous withdrawals that would have impacted how you've been taxed. ...

How should I tackle divorce debt on my pension fund?

12 May 2020    82
It is important to have a holistic view of your entire balance sheet before making a decision. ...

Which loan is best for home renovations?

30 April 2020    27
The choice will be driven by several factors. ...

Can I claim back for tax on my RA payout?

6 March 2020    37
No contributions to any tax-deductible investment product can result in you receiving tax back from Sars. ...

Do the default regulations allow me to transfer my pension fund?

24 July 2019    89
Yes – but consider investment fees, fund performance, risk tolerance and investment horizon. ...

Is it worth getting a loan in order to invest?

26 June 2019    27
A preferable solution would be to invest a monthly amount into a unit trust portfolio or your retirement fund. ...

Clients take money offshore for the wrong reasons

28 May 2019    1    24
Craig Torr, founding member of Crue Invest, on providing advice in the current environment. ...
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Craig's VIEWS  

Raising your children to have a healthy relationship with money

26 July 2021    2    34
Through our words and actions, we can provide our kids with a better chance of developing a positive connection with money. ...

Planning for a modern retirement

19 July 2021    1    62
Today’s retirement bears very little resemblance to a retirement of even 20 years ago. Not only is the retirement funding industry significantly more complex, but increased human longevity has made ...

The A-Z of estate planning

14 July 2021    46
A look at the wide range of terms that are regularly used in this specialist field of financial planning. ...

How to choose the most appropriate savings vehicle for your needs

5 July 2021    82
A look at seven vehicles you can use to house your savings, how to use them effectively. ...

Generational wealth planning: A family affair

29 June 2021    50
The success of generational wealth planning is dependent on honest and transparent communication across generations, while at the same time ensuring that family relations are protected, respected, and ...

The importance of risk cover and mitigating risk when planning for retirement

22 June 2021    34
Your ability to consistently generate an income over a long period of time is the mechanism upon which your future wealth will be built. ...

The far-reaching consequences of dying without a will

15 June 2021    1    67
Without a valid will, your estate will be distributed to your closest relatives in a pre-determined order which could result in family members unduly benefitting from your estate. ...

Life stage financial planning

9 June 2021    42
As one moves from one life stage to the next, certain aspects of one’s financial planning may become more focal or intensified. ...

How to catch up your retirement savings

31 May 2021    108
If you know you are behind in your retirement savings, the worst thing you can do is nothing. ...

What to consider before accepting a job offer

27 May 2021    41
Many seemingly unrelated factors, such as the location of your job, the company’s culture, or its staff retention, may inadvertently have a financial impact on you. ...

The real cost of buying a bigger home

17 May 2021    1    50
A more expensive home means higher monthly bond repayments, added responsibility, and a layer of other costs that need to be accounted for. ...

Money market funds and accounts: Different in nature and purpose

11 May 2021    43
Both Money Market Accounts and Money Market Funds are designed to house funds earmarked for shorter-term use. ...

The accrual system: Death of a spouse

4 May 2021    76
Many couples fail to consider how the accrual calculation impacts their estate plan, often with devastating consequences. ...

Developing a healthy savings mentality

28 April 2021    1    108
Saving is a habit that you can develop over time with a bit of effort, discipline and commitment. ...

Ask yourself these questions before you retire

20 April 2021    79
Retirement is an entire life stage that needs to carefully planned for, taking into account financial, logistical, emotional and psychological factors. ...

Retirement’s top 10 stress factors

15 April 2021    388
And how to deal with them. ...

Mental or intellectual impairment: When to appoint an administrator

8 April 2021    22
And the process of appointing an administrator to manage your loved one’s financial affairs. ...

Planning to retire early

29 March 2021    1    268
Here’s what to consider. ...

A pyramid scheme by any other shape

23 March 2021    4    508
Many schemes go to great lengths to avoid being identified as pyramid schemes by using circular or floral diagrams in their marketing material. ...

Financial planning for mixed age marriages

15 March 2021    52
Large age gap marriages have a greater chance of failing because each spouse is generally at a different life stage. ...

End-of-life financial planning

8 March 2021    41
Leaving your affairs inadequately attended to can cause further emotional stress for your loved ones. ...

Compelling reasons for divorce financial planning

1 March 2021    19
There are a number of critical financial decisions that you will need to take as part of the divorce process. ...

Your first job: key financial steps to take

25 February 2021    62
Take time at the outset of your career to ensure your financial path forward is a secure one. ...

When your spouse has dementia

16 February 2021    41
Planning for loss of mental capacity. ...

Re-evaluating the costs of education in the face of a pandemic

8 February 2021    23
Exploring the costs of the various schooling options available for parents. ...

The A-Zs of retirement annuities

4 February 2021    1    70
Helping you navigate the minefield of this retirement product. ...

10 things that can rob you of your financial peace of mind

25 January 2021    138
Numerous studies have demonstrated a cyclical link between financial worries and mental health problems. ...

Setting up a business: sole proprietorship, partnership, or private company?

21 January 2021    1    46
What to consider when selecting the most appropriate structure for your new business. ...

Buy and sell insurance as a funding mechanism for succession

11 January 2021    25
Buy & sell insurance helps ensure the smooth transfer of shareholding in the event of the death, disability, or severe illness of one of the shareholders. ...

Trusts: technical terms explained

14 December 2020    46
Trust are a technical area of financial planning and should ideally be navigated with guidance from an estate planning expert. ...

Why and how to support local businesses this festive season

8 December 2020    1    4
SMEs play a vital role in creating employment and growth. ...

The practical workings of testamentary trusts

3 December 2020    62
What legal principles apply to testamentary trusts, how do they practically come into existence, and how are they terminated? ...

Considering being a stay-at-home parent?

23 November 2020    4
Here’s what to take into account... ...

Financial planning for independent contractors and gig workers

16 November 2020    1
Gig workers have little employee protection and employee benefits, making financial planning an imperative for them. ...

The process of financial emigration

9 November 2020    1    135
Financial emigration should not be confused with emigration and it is important to understand the difference at the outset. ...

What to consider when choosing an annuity income

2 November 2020    86
Selecting the most appropriate annuity for your personal circumstances can be challenging. ...

Famous last words: is your will valid?

27 October 2020    44
How to reduce uncertainty when it comes to documenting your last words.  ...

Marriage out of community without the accrual: what is it and what are the implications?

20 October 2020    116
This marriage regime may be a good fit for couples getting remarried later in life. ...

Don’t let technical jargon stop you from your investment journey

13 October 2020    44
Eleven investment terms explained. ...

Financial infidelity takes many shapes and forms

5 October 2020    39
This behaviour can destroy trust in a relationship and have long-term detrimental effects for a couple. ...

Investing: Don’t succumb to your emotional biases

1 October 2020    17
Rather than live with the regret of following a particular course of action, some investors err on the side of doing nothing at all. ...

What happens to your debt when you die?

28 September 2020    1    114
Failure to make provision for your debt in your estate plan can leave your loved ones financially compromised. ...

10 ways to ensure your children have a healthy relationship with money

21 September 2020    1    77
A good relationship with money will set them on the path to financial prosperity. ...

The 7 Ds of financial planning

15 September 2020    77
And how they apply to your financial planning journey.  ...

Six major stress factors in retirement

7 September 2020    3    101
And how you can reduce anxiety through effective retirement planning. ...

Answers to your frequently asked questions about retrenchment

31 August 2020    50
What to consider when going through retrenchment. ...

Seek financial planning advice before signing divorce settlement agreement

24 August 2020    39
There are a number of considerations that need to be taken into account, some of which are highly technical and may require the advice of an experienced advisor. ...

Planning in a pandemic

17 August 2020    5
Getting your affairs in order to be better prepared for the next crisis. ...

Planning for those with disabilities

11 August 2020    19
Special trusts are excellent planning tools when it comes to providing for those with disabilities. ...

Bequeathing immovable property: What you need to know

3 August 2020    1    142
To ensure the smooth transfer of the property after your death, ensure that your will remains updated and that you keep up-to-date records of crucial documents. ...

Financial mistakes to avoid in divorce

30 July 2020    1    26
If you don’t fully understand your rights you may financially compromise yourself. ...

Steps to take before drafting a will

20 July 2020    3    108
Drafting a will requires the drafter to give careful thought to a number of important issues. ...

Financial planning for blended families

13 July 2020    15
Financial planning has had to evolve to cater to more diverse, and often complex, family structures. ...

Financial planning for the stay-at-home spouse

7 July 2020    40
The couple should decide at the outset how the household budget and money management will operate so as to avoid tensions and dispute. ...

How to spot an investment scam

29 June 2020    304
Steps you can take to verify any potential investment. ...

Seven habits of the financially independent

22 June 2020    274
Financially independent people exercise consistently sound decision-making by consulting widely. ...

Divorce: Important financial considerations

18 June 2020    59
Before signing a divorce settlement, be sure to get an independent advisor to prepare a comprehensive financial plan based on the terms of the settlement. ...

Estate planning: The role of your executor

9 June 2020    127
You need to appoint someone with the right set of skills to ensure that the process runs as smoothly as possible. ...

The costs of caring for an aged parent

2 June 2020    16
Providing for the daily living and medical costs of your elderly parent – whether part or in full – can be enormously expensive. ...

How your marital regime affects your estate planning

26 May 2020    114
Your will needs to align with the rights and obligations that flow as a consequence of your marriage. ...

What has the coronavirus exposed about our finances?

18 May 2020    60
When it comes to laying bare the faults in our finances, the coronavirus pandemic has been particularly ruthless. ...

Critical financial questions currently being asked

13 May 2020    36
Should you can your medical aid, withdraw from your investments or stop contributions to your RA? ...

FAQ about wills, living wills and powers of attorney

11 May 2020    104
All you need to know if you’re contemplating updating your will, signing a living will or a power of attorney. ...

Planning your affairs: Simplicity, clarity and detail are important

5 May 2020    35
The more complicated you make your will, the greater the risk of errors, misinterpretation and unintended consequences. ...

How will we plan differently after Covid-19?

29 April 2020    111
Covid-19 has created a resounding case for having a well-diversified, long-term investment strategy. ...

Homeschooling: Ensure financial literacy is in your lockdown curriculum

20 April 2020    69
Lockdown provides the perfect opportunity to use every day, teachable moments to enhance our children’s financial literacy. ...

Recalibrating your budget during the coronavirus pandemic

17 April 2020    19
Err on the side of caution and create a six-month survival budget. ...

Covid-19: A case for couples to engage in joint financial planning

15 April 2020    22
If you do not have insight into each other’s financial affairs, a medical emergency or tragedy can blindside you financially. ...

Lessons from lockdown: What we’ve learnt about money

6 April 2020    119
What we previously thought of as basic necessities may now be regarded as luxuries. ...

Financial readiness in a healthcare emergency

31 March 2020    15
Just how prepared are you? ...

Coronavirus: strengthening your financial position in times of crisis

19 March 2020    97
Now is not the time to panic, but it is the time to act decisively. ...

Greed and fear: The enemies of your retirement plan

17 March 2020    36
Many investors succumb to greed and fear by trying to time the markets. ...

Life rights retirement villages: An investment in lifestyle

10 March 2020    249
Weighing the advantages and disadvantages of these retirement villages. ...

Why couples fight about money

3 March 2020    124
And how to resolve the conflict. ...

The lean years: Navigating your finances in your 40s

24 February 2020    30
16 things you need to consider in this decade. ...

Emigration: The costs of leaving South Africa

17 February 2020    931
18 not-so-obvious costs that you may want to consider before deciding on emigration. ...

Financial mistakes to avoid in your 50s

4 February 2020    620
With only a few years left before retirement, now is not the time to make financial errors. ...

Things you may wish you knew sooner about money

28 January 2020    570
Having debt can keep you awake at night, regardless of whether it's the good or bad kind. ...

Making sense of tax-free savings accounts

21 January 2020    252
A TFSA should be viewed as a long-term savings vehicle. ...

Retirement annuities: Tax-efficient, long-term investment vehicles

15 January 2020    124
RAs are exempt from tax on dividends and interest, and no capital gains tax is paid on investment growth. ...

An ongoing process: Teaching teenagers the value of money

3 January 2020    71
Teaching financial responsibility is one of the most important gifts you can give your teenager. ...

New Year’s resolutions worth considering

27 December 2019    34
Start the decade with some new financial goals. ...

8 gifts to give your children this festive season

17 December 2019    289
Gifts that money can't buy. ...

More than just piggy banks: Raising financially responsible children

9 December 2019    64
30 money lessons your child can benefit from. ...

Competing priorities: Financial advice for the sandwich generation

3 December 2019    19
Tips for those feeling trapped by the demands of multiple generations. ...

What’s the best financial advice you’ve ever been given?

25 November 2019    158
25 pearls of financial wisdom. ...

Christmas gifts for a prosperous new year

18 November 2019    19
Eight gift ideas that will have a positive influence on the receiver's financial life. ...

Direct your spend towards boosting the local economy this festive season

12 November 2019    10
10 ideas on how to spend your rands to help boost our local economy. ...

Black Friday: Buying all the things you didn’t know you needed

4 November 2019    83
Are we becoming slaves to an endless supply of created needs? ...

Balance your year-end budget

29 October 2019    8
10 tips to ensure that your budget doesn’t go on holiday this festive season. ...

Financial decisions that may come back to haunt you

24 October 2019    93
Some financial decisions can have far-reaching repercussions. ...

Understanding investment biases

21 October 2019    42
Cognitive and emotional biases may result in poor investment decisions. ...

What makes us spend too much?

14 October 2019    43
In a world of infinite choice, accepting that we can have anything we want but not everything we want can be tough. ...

Busting financial-planning jargon

10 October 2019    66
Various funds, policies, benefits and taxes explained. ...

Unseen threats to your retirement plan

7 October 2019    78
One of the single biggest threats to a couple’s retirement funding is adult children who continually ask to borrow money. ...

Ten habits of financially-independent people

2 October 2019    58
The role of human emotions in the context of financial planning should never be under-estimated. ...

Teaching our children about money

30 September 2019    21
Preparing one’s children for the responsibilities that come with adulthood is no easy task, especially when it comes to money management and personal finances. There is no doubt that a solid foundat ...

Robo versus human advisors

26 September 2019    14
Robo-advice can be a cost-effective way to invest if you know what you're paying for and what to expect in return. ...

Key steps to achieving financial freedom

25 September 2019    45
A look at the key milestones on this path. ...

What retirees worry about most

23 September 2019    103
Formal retirement has been identified as the tenth most stressful life event. ...

Planning for when you cannot speak for yourself

17 September 2019    16
An advance healthcare directive can be a particularly valuable document for families. ...

Useful estate planning tips

16 September 2019    113
Ensure your estate is would up quickly, with as little burden on your loved ones as possible. ...

Ten rules for successful investing

12 September 2019    85
Long-term investing in a short-term world. ...

What are your chances? Understanding the need for disability cover

10 September 2019    68
South Africans are hopelessly under-insured in respect of disability. ...

Age-appropriate money lessons for children

5 September 2019    127
Talking openly and honestly with children about money removes the mystery and makes money management part of everyday life. ...

Shake up your finances this spring

27 August 2019    47
Saving money will allow you to boost your investments, so it's worth the effort. ...

How to raise entrepreneurial children

22 August 2019    210
Fostering entrepreneurial skills at home means encouraging curiosity, independence and a willingness to figure things out on one’s own. ...

Retirement funding: what retirees regret most

19 August 2019    386
A huge regret by many is not having preserved their retirement funds when changing jobs or moving between employers. ...

What children’s books can teach us about money

14 August 2019    48
'If more of us valued food and cheer and song above hoarded gold, it would be a merrier world' - The Hobbit. ...

Financial advice to my 25-year-old self

7 August 2019    170
Wealth is built slowly and deliberately, and has very little to do with the size of your first pay cheque. ...

The gender retirement gap

29 July 2019    42
A look at effective steps women can take to contain the seemingly-insurmountable gap. ...

Ten timeless money habits

22 July 2019    141
Living within your means is one of the most important financial concepts to understand, if you want to get ahead. ...

How we can all take #actionagainstpoverty this Mandela Day

18 July 2019    4
A lack of financial literacy and poor access to financial information results in many people owing large amounts of debt and making poor financial decisions. ...

9 reasons to engage the services of a financial planner

9 July 2019    59
As an independent and educated gauge, your advisor fulfils the important, and often indispensable, role of financial touchstone. ...

Financial considerations on divorce

19 June 2019    121
Twenty financial planning aspects to work through. ...

Ten life events that your adviser can guide you through

5 June 2019    51
When life happens: almost every significant life event has financial, tax or legal implications. ...

Choosing your retirement home

30 May 2019    143
Many retirees find themselves torn between buying section title, investing in a share block scheme or securing life rights to a unit. ...

You, me and money

29 May 2019    31
12 tips to making money work in your relationship. ...

It matters how you’re married

16 May 2019    223
Pros and cons of marriage in- and out of community of property. ...

Are you prepared for a financial ‘blackout’?

12 April 2019    149
While you can't cover every curveball, it's worth planning for these five eventualities. ...
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