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Contact information

 
 
021-5308500
 
Crue House, 5 Long Place, Pinelands, 7405
 
https://www.crue.co.za

About

Devon holds a B.Comm degree from the University of Cape Town and is a Certified Financial Planning® professional. He is a director and shareholder at Crue Invest (Pty) Ltd. Devon is passionate about building long-term client-advisor relationships, and helping clients grow and protect their wealth. He is also an expert in designing employee benefit solutions. He is an avid sportsman and is a member of the SA Mens’ Water Polo team.

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.

Devon on Moneyweb

Can I make a second withdrawal from my preservation fund?

4 May 2022
It depends on your age – you may only make one withdrawal from your preservation fund prior to the age of 55. ...

At 23, what level of emergency funding should I have?

29 Mar 2022    1
And where is an appropriate place to store these funds? ...

Finance checklist: Don’t finish 2021 without ticking these boxes

10 Dec 2021
Devon Card, certified financial planner at Crue Invest, shares a trick on how to review your financial performance for the year, gives five ways to best use your bonus, the tax, estate and insurance p ...
savings, investment, compound investment

Which investment is best for siblings saving to assist their dad in his old age?

7 Dec 2021
What happens to the share of one sibling should they pass or to the investment in regards to their estate? ...

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

2 Sep 2021    21
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. ...

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

20 Jul 2021    9
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. ...

Are there any legal and financial benefits to incorporating my law practice?

15 Jun 2021    3
The deciding factor will be whether your income is above or below the 42.4% marginal tax rate threshold. ...

Borrowing from your retirement fund: What you need to know

7 May 2021    4
The current economic climate has led some people to consider dipping into their retirement funds to access capital. But what exactly can you use these funds for, and what percentage of your savings ca ...

What should I consider when purchasing an annuity?

7 Apr 2021    5
And what costs should I expect to pay? ...

Should I keep my insufficient income protection cover?

9 Mar 2021    1
If you have emergency funding that will be sufficient to cover your monthly expenses for at least six months, you may consider cancelling the cover. ...

What’s the best way to contribute R1m to the purchase of a house in the UK for my child?

18 Feb 2021    16
And am I able to have part ownership of the house, which may, as a secondary consideration, avoid donation tax? ...

Which investment vehicle is best for our kids?

15 Dec 2020    3
Our options are tax-free savings accounts, retirement annuities and endowment policies. ...

Will I be able to draw all the cash from my pension preservation fund after March 2021?

17 Nov 2020    2
The scheduled tax legislation change relates specifically to provident preservation funds. ...

Which is more tax-effective: putting R1.5m in a unit trust or my access bond?

23 Sep 2020    2
A third option exists that may be the perfect solution. ...

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. ...

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. ...

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 do I finance a property I technically own?

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

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. ...

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 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. ...

Should I take up government’s early retirement offer?

30 Aug 2019
A major concern when considering an annuity income relates to the growth rate assumptions. ...

‘Women make better investors’

2 Aug 2019    4
Crue Invest's Devon Card on women's wealth-building challenges, retirement savings, employees pension funds and building emergency funds. ...

How do I become debt-free?

19 Jul 2019
If the interest rate on your car loan is higher than that of your home loan, consider using your access bond to pay off your vehicle in full. ...
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Devon's views

What to consider when making your beneficiary nominations

26 May 2022
Start with understanding your intentions for the proceeds of the policy. ...

The advantages and disadvantages of a living trust

25 Apr 2022
And what you should be aware of when setting one up. ...

Divorce planning: Calculating the pension interest

13 Apr 2022
Pension interest calculation is a complex area of financial planning. ...

12 reasons to choose your trustees carefully

31 Mar 2022
Nominating trustees who have the appropriate character, skill and acumen to fulfil their duties is critical to ensuring your intentions for the trust are realised. ...

Setting up your living trust: A basic guide for trust founders

15 Mar 2022
It is important to make sure that your trust is set up as a valid legal structure that will, if necessary, withstand legal scrutiny. ...

Thinking about divorce? Here are some questions to consider

3 Mar 2022    1
The immediate and longer-term consequences of divorce cannot be overstated. ...

Administering your estate: It matters how you are married

17 Feb 2022
It is important to understand how your marital property system affects your property rights and your ability to distribute your assets. ...

What to consider when choosing an annuity income

31 Jan 2022
The complexities and variables involved in the decision-making process are enormous. ...

The significant advantages of investing in an RA

25 Jan 2022
Interest and dividend income earned by retirement funds are exempt from tax. ...

A financial planning calendar for 2022

10 Jan 2022
Rather than attempting to revolutionise your finances in the space of a single month, it may be more beneficial to space your financial planning over the course of a calendar year. ...

How to use your credit card responsibly this festive season

13 Dec 2021
Now’s the time to check your credit card fine print to ensure that you know how to maximise the benefits of your credit facility. ...

Moving in together: How to set up your cohabitation agreement

2 Dec 2021
The ultimate aim of such an agreement is to ensure that, if the relationship ends, litigation is avoided. ...

The many functions of an estate plan

25 Nov 2021
Estate planning to a large extent involves the optimal structuring and managing of your assets while you are still alive. ...

Debt and deceased estates: Your questions answered

11 Nov 2021
Making provision for one’s debt is an essential part of estate planning, and failure to do so can leave your loved ones financially compromised. ...

The real financial impact of dementia

25 Oct 2021
Exploring the costs associated with treating dementia and caring for a dementia sufferer. ...

How to prepare for retirement

12 Oct 2021    1
If retirement is on your dashboard, here are some tips on how to prepare adequately for this life stage. ...

Choosing your medical aid plan for 2022: First understand the terminology

4 Oct 2021    1
With 18 open medical schemes and hundreds of plan options to choose from, making a decision can be overwhelming. ...

Gap cover: Top-up health insurance that can protect you financially

30 Sep 2021    2
Unpacking the mechanisms of gap cover and what to look for when choosing a benefit. ...

Donations tax and tax exemptions

16 Sep 2021    2
Donations and tax exemptions form an important part of one’s overall financial and estate planning. ...

Is your will valid? Here’s a checklist

7 Sep 2021    7
Checking the validity of this all-important document means paying careful attention to the detail. ...

Offshore trusts: Onerous reporting obligations

23 Aug 2021
Before setting up an offshore trust, it is worth understanding one’s reporting obligations. ...

Your credit card: Money management necessity or debt trap?

19 Aug 2021    1
If used responsibly, a credit card can have significant benefits to the user. ...

Financial advice for women starting out their careers

10 Aug 2021
Taking a set of intentional, strategic steps at the outset of your career can be pivotal to your financial success. ...

Retirement accommodation: Life rights versus independent living

12 Jul 2021    1
An essential guide on what to consider. ...

Maximising the returns on your savings requires strategic tax management

7 Jul 2021
The interplay between tax and investment returns can be complex. ...

Living benefits: Protecting the value of your future earnings

28 Jun 2021
Disability insurance is designed to address the financial exposure a person faces in the event of permanent or temporary disability. ...

Succession: Transferring your wealth to the next generation

21 Jun 2021    1
Succession planning should take place holistically and with a view of your entire estate – both local and offshore – to ensure that no conflicts, confusion, or omissions occur. ...

Compulsory versus discretionary investments

7 Jun 2021    1
And why you probably need both. ...

10 things to know about divorce and your retirement funds

24 May 2021
Before contemplating divorce, couples should first seek to understand the impact that it will have on their retirement savings. ...

Incorporating a tax-free savings account into your investment portfolio

18 May 2021
A TFSA can be a useful tool in your investment portfolio to achieve investment growth over a longer term. ...

The benefits of taking a long-term investment view

13 May 2021
Those who are invested to achieve longer-term investment objectives can expect to enjoy a smoother, less emotional ride. ...

The accrual system: This is why estate planning is so important

22 Apr 2021    2
Failing to deal adequately with the impact of the accrual system where the marriage is dissolved by death can lead to serious financial complications. ...

Direct offshore investing: Here’s what it entails

9 Mar 2021
There are significant tax and estate planning consequences that should be considered. ...

Financial planning in the wake of retrenchment

4 Mar 2021    1
Ten critical steps to take to avoid making errors that can cost you later on. ...

First-time investing: setting up your retirement annuity

12 Feb 2021
A step-by-step guide on how to choose and set up an RA that is appropriate for your needs and circumstances. ...

Choosing a retirement annuity: here’s what to consider

3 Feb 2021    2
With the end of the 2020/21 tax year almost upon us, now is a good time to consider setting up a retirement annuity. ...

Your rights as a cohabiting partner

19 Jan 2021
Contrary to popular opinion, living together or cohabitation is not a recognised legal relationship in this country. ...

Financial planning fundamentals

15 Dec 2020
Here’s what your financial plan should incorporate. ...

What to consider before shopping this Black Friday

26 Nov 2020
Don’t let the lure of Black Friday distract you from your financial priorities. ...

What does your good health mean for your retirement plan?

17 Nov 2020
Being fit, healthy and free from ailments may give one a false sense of security when it comes to planning for the future. ...

Here’s how your loved one’s estate will be wound up

10 Nov 2020
The winding-up process can be an extremely frustrating and time-consuming exercise subject to bureaucracy and red tape. ...

Income protection: providing a salary when you are unable to earn

5 Nov 2020
Income protection is crucial for anyone who depends on their monthly income to cover their living costs and save for retirement. ...

Dying without a will: here’s what happens to your earthly possessions

26 Oct 2020
Your estate will be distributed according to the guidelines of intestate succession. ...

Updating your financial plan after marriage

15 Oct 2020
Practical steps couples can take to create structure and fairness when it comes to marital finances. ...

Different retirement funding vehicles and how they work

8 Oct 2020
A look at the rules for withdrawals, early termination and transfer. ...

Estate planning: understanding the technical jargon

22 Sep 2020    1
Examining the more commonly used phrases and terms in estate planning. ...

In-fund annuities: what you need to know

1 Sep 2020
There are many other factors to consider before opting for the in-fund option. ...

10 questions to ask before appointing a financial advisor

27 Aug 2020
Choosing the right person and advisory practice is a fairly important decision. ...

Financial recovery after divorce

12 Aug 2020    1
Steps to help you rebuild your finances as soon as possible. ...

Preservation funds: Your questions answered

6 Aug 2020
It is important to understand exactly how preservation funds work. ...

Your insurance cover: Read the fine print

28 Jul 2020
What to pay attention to when taking life cover. ...

Choose your trustees carefully

16 Jul 2020
Many people who agree to take on the role of trustee are not fully aware of their duties and obligations, nor the extent to which they can personally be held liable. ...

Investing: Focus on the fundamentals

9 Jul 2020
It is important to understand what risks you are buying into when putting your hard-earned money to work. ...

Stopped smoking? Here’s what you can save

1 Jul 2020
Your new status as a ‘non-smoker’ could result in a more favourable insurance premium, and this saving can be put to good use. ...

These cognitive biases can affect your investment decisions

23 Jun 2020
It makes sense to be aware of the biases our brains are hard-wired for. ...

Ensuring liquidity in your estate

19 Jun 2020
Four steps to follow to ensure there are no liquidity shortfalls in your estate. ...

Five financial planning tools for single parents

10 Jun 2020
Fortifying your finances as a single parent means taking all steps possible to protect your income and your child’s future. ...

Financial desperation: A breeding ground for Ponzi schemes

3 Jun 2020
As the coronavirus pandemic leaves more people in financial distress, the breeding ground for investment schemes is unfortunately fertile. ...

An income for life: Understanding living annuities

28 May 2020
What to consider when making this critical decision. ...

Drafting your will: Avoid confusion and invalidity

19 May 2020
It is important to be clear in your mind what your attentions are. ...

Choosing your annuity income

7 May 2020
The factors you need to consider when choosing between a life and living annuity. ...

The future cost implications of your purchases

21 Apr 2020
What you need to consider to avoid buyer's regret. ...

Coronavirus: What you need to know about accessing your investments

9 Apr 2020
If you do need to access your funds, be sure that you fully understand the tax and future consequences of doing so. ...

How to get your estate planning file in order

3 Apr 2020
This folder will help your family be prepared for any eventuality. ...

Don’t make these financial mistakes in your 20s

25 Mar 2020
Without the benefit of life experience, this decade can also be one where we make financial mistakes. ...

Eight financial solutions: do you need them?

19 Mar 2020
And how much do they cost? ...

Key retirement funding concepts

12 Mar 2020
Exploring retirement vehicles and funds and the associated legislation. ...

What causes people to make bad financial decisions?

2 Mar 2020
Seven factors that affect our decision making. ...

What is the real return of your investment property?

27 Feb 2020
Do your research so you can make an informed decision. ...

Risks to consider before investing in buy-to-let property

10 Feb 2020
Be sure you know what you are committing to financially. ...

Using retirement annuities optimally to build long-term wealth

14 Jan 2020
A look at the advantages of unit trust RAs. ...

Financial advice for new parents

5 Dec 2019
Things to consider to help keep your financial health on track after your child's birth. ...

Smart money moves for new graduates

28 Nov 2019
25 tips that will help you with 'adulting'. ...

9 investment myths worth debunking

7 Nov 2019
These myths should not prevent you from saving for your golden years. ...

Millennials require a hybrid approach to advice

31 Oct 2019
Millennials prefer an advice mix that allows them to move between technology-driven advice and human expertise. ...

What to do (and not to do) with your bonus

15 Oct 2019
A few dos and don’ts to consider before blowing your bonus. ...

Eight steps to starting your financial journey the right way

3 Oct 2019
Effective financial planning puts mechanisms in place to help you realise your goals. ...

Financial advice for young entrepreneurs

9 Sep 2019
One of the main reasons that small businesses fail is a lack of upfront and ongoing financial planning. ...

Ten things to know before you invest

29 Aug 2019
Investment markets are volatile and subject to short-term fluctuations, making timing the market incredibly difficult. ...

Two effective tools to risk-proof your business

7 Aug 2019
Business owners can use business assurance and key person insurance to proactively reduce or mitigate risks, provide liquidity and ensure smooth succession. ...

Keep financial planning on track through pregnancy and birth

1 Aug 2019
With your partner, prepare a realistic post-baby budget that covers your maternity leave period, then work out the shortfall. ...

The advantages of a retirement annuity

26 Jul 2019
Investors can save tax and, at retirement, withdraw R500 000 tax-free from their RAs. ...

Why you need an emergency fund

17 Jul 2019
Put your money in an account with an interest rate that at least matches inflation. ...

Active versus passive investing

8 Jul 2019
Each investment style has its own advantages and disadvantages, which should be considered along with costs and risk. ...
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