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Gareth Collier

Gareth Collier

Crue Invest (Pty) Ltd

FSP no: 19025  
CERTIFIED FINANCIAL PLANNER®

Gareth is a CFP® professional. CFP certification is the only globally recognized mark of professionalism for financial planning.


TOP CONTRIBUTOR

Gareth has contributed over 50+ articles to Moneyweb.


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Contact information

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

About

Gareth holds a B.Comm degree from the University of South Africa and is a Certified Financial Planning® professional. He is a director and shareholder at Crue Invest (Pty) Ltd, and is driven to provide the highest level of advice and service to his clients. His expertise lies in investment planning, risk protection, business succession planning and employee benefits solutions.

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.

Gareth on Moneyweb

Can I invest in an offshore account, then after some years withdraw all the capital?

12 May 2022
Two advisors answer this reader's question. ...

Does a beneficiary nomination take precedence over the last registered will?

10 May 2022
Where the deceased has nominated a beneficiary on their policy, the proceeds of that policy will be paid out directly to that person. ...

Can I get a percentage of my husband’s preservation fund in our divorce settlement?

5 Apr 2022
If so, how much? We were married in community of property. ...
legacy, financial education, investing 101, money habits

Retirement planning: How to offset the effects of inflation

18 Feb 2022
Gareth Collier, CFP at Crue Invest, discusses whether retirees and soon-to-be retirees should scale back their spending assumptions, when a bucket system to investing is worth considering, if offshore ...

I’m moving to Singapore for work. Will I be taxed there and exempt from SA tax?

14 Dec 2021    1
South Africa and Singapore have a valid double taxation agreement in place. Here's what it means ... ...

Should alternative investments form part of your retirement plan?

15 Oct 2021    1
Gareth Collier from Crue Invest discusses whether a retirement portfolio with alternatives can outperform one without, some assets to consider, the risks to be aware of – and what percentage to allo ...

My ex-employer requested a pension payout without my consent. Can I recoup the tax paid?

24 Aug 2021    2
If the correct procedure was not followed by your employer, you may be able to bring a case to the ombud to seek compensation. ...

Got yourself a little side hustle? Listen to this …

6 Aug 2021
Gareth Collier, certified financial planner at Crue Invest, discusses business opportunities you can explore and the best way to fund your side hustle, along with tax and estate planning consideration ...

Can you be evicted from a life rights retirement village for non-payment of levies?

29 Jun 2021    8
Firstly, interest will be charged on the overdue amount, then services may be disconnected or discontinued, then legal proceedings may be instituted. It is ultimately preferable to avoid getting into ...

Deal assists and balloon payments: What you need to know

4 Jun 2021    1
Gareth Collier, certified financial planner at Crue Invest, sheds light on car financing, deal assists and deferred payments for those in the market for a new set of wheels. ...

How can I hold a debit review company accountable for defaulting on a court order?

26 May 2021    1
And how can I get the creditors to go back to the original agreement? ...

What are the tax implications of an inter vivos trust?

11 May 2021    2
And what should an individual’s net asset value be for such a trust to be effective? ...

What’s the most tax-efficient way to build wealth through property?

17 Mar 2021    6
Personal ownership, a trust, or company: there are certain advantages and disadvantages in how you structure your portfolio. ...

Is my one-third payout from a RA protected from creditors?

16 Feb 2021
Once funds are withdrawn, they are no longer governed by the Pension Fund Act and therefore don't enjoy protection from creditors. ...

Is it advisable to invest in crowd farming?

27 Jan 2021    5
As with any other investment, it is important to fully understand the risks involved. ...

Can I set up a trust fund to pay for my mentally impaired child’s needs?

19 Nov 2020
And can I choose a non-profit organisation as trustee of the fund? ...

Do we have recourse against Ecsponent-punting brokers?

2 Oct 2020    2
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. ...

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? ...

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. ...

For tax purposes, can I set up a shelf company to buy property?

21 Jul 2020
Should the shelf company generate an income from the investment property, it will be deemed an active trading company. ...

Can I use the annual CGT exemption to lower tax at the end of my investment term?

8 Jul 2020
Using your annual capital gain exclusion should be done within the context of your investment horizon and your personal income tax liability. ...

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. ...

Why are loan requirements for commercial property so onerous?

14 May 2020
And where can I find other solutions to gear my commercial property? ...

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. ...

Does the asset allocation in my investment portfolio make sense?

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

What’s keeping clients up? Debt, debt and more debt

26 Jul 2019    2
Crue Invest director Gareth Collier on cutting debt, savings tips, succession planning and why schools must teach financial literacy. ...

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. ...
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Gareth's views

Before nominating your executor, know what the job entails

29 Jun 2022
When drafting your Will, one of the key decisions you need to make is that of your executor nomination as the person you choose will essentially step into your shoes in the event of your passing, take ...

Structuring your bond: Consider your lost opportunity costs

6 Jun 2022
Exploring the longer-term effects of a 20-year bond versus a 30-year bond in relation to one’s retirement funding. ...

Disability awareness month: Taking stock of your disability cover

17 May 2022
Taking stock of one’s disability cover will likely involve more than a cursory glance at your policy document. ...

Life insurance in the context of your estate plan

5 May 2022
The careful structuring of any life insurance policy in a person’s estate is of critical importance. ...

Final account: Determining your estate duty liability

26 Apr 2022
Estate duty is calculated on the value of all your property, and this includes movable and immovable property, as well as corporeal and incorporeal property. ...

Gear up your savings by using your tax deductions smartly

11 Apr 2022
Strategic tax planning is an integral part of the financial planning and wealth creation process. ...

Tax liabilities in your deceased estate

6 Apr 2022
Failing to account for your tax liabilities can detrimentally affect the liquidity in your estate and, in turn, the financial legacy to your loved ones. ...

Rebuilding your financial life after divorce

14 Mar 2022
If you’re feeling overwhelmed by the state of your post-divorce finances, here are some points to consider. ...

Six things to consider before retiring

8 Mar 2022
It’s important to keep in mind the potentially extensive retirement period you will need to fund for, and the multitude of eventualities you could be faced with. ...

An early inheritance: Considerations and options

24 Feb 2022
Giving away some of your wealth while you are still alive is something that should be undertaken with the utmost caution. ...

Starting your financial planning journey: Consider a triage approach

10 Feb 2022
This is effectively a blend of prioritisation and affordability distilled into a series of incremental steps plotted over a manageable timeline. ...

5 effective ways to reduce your estate duty liability

2 Feb 2022
These measures will ensure that the financial legacy intended for your loved ones is maximised and protected for their future use. ...

These seven financial solutions should be used strategically

24 Jan 2022
Putting financial solutions in place should be part of a carefully designed strategy. Each solution or product should serve a pre-determined purpose in your wealth creation strategy. As US investment ...

Buy-to-let property: Understand the risks involved

9 Dec 2021
The Covid-19 pandemic served to highlight the inherent risks of tenant vacancy and non-payment of rent. ...

Retirement funding vehicles: Your options and how they work

23 Nov 2021
Following the harmonisation process which took effect 1 March 2021, it is now easier for investors to understand how to save for retirement and how each vehicle works. ...

Planning a family: How to get your financial affairs in order

18 Nov 2021
The more time you have to prepare for your child’s arrival, the better equipped you will be financially. ...

Assets that won’t attract estate duty

4 Nov 2021
And how they can be incorporated to reduce tax in one’s estate. ...

Preservation funds: Specialised pre-retirement investment vehicles

26 Oct 2021
Preservation funds have some unique features and it is important to fully understand how they work before opting for one. ...

Choosing a living annuity: Here’s what you need to know

19 Oct 2021
Before purchasing a living annuity, it is important to fully understand what you are signing up for. ...

Dread disease cover: Ensuring financial survival after diagnosis

7 Oct 2021
Surviving a serious diagnosis can create an enormous financial burden. ...

Your healthcare options: What to consider when choosing a medical aid?

29 Sep 2021    2
Sifting through medical aid brochures and the fine print can be time-consuming and bewildering. ...

Lifestage financial planning for women

17 Aug 2021
Seven life stages that many women face together with a set of financial planning considerations relevant to each. ...

A-Z of investing

2 Aug 2021
Global terms and phrases which all investors should know and understand. ...

The emergency fund: A financial planning fundamental

29 Jul 2021
If saved in the correct vehicle, your emergency fund can earn you interest and act as a safety net to ensure that you don’t need to access high-interest debt if you are suddenly faced with unexpecte ...

Tax season: Navigating your 2021 tax returns

23 Jul 2021
Not everyone who has earned an income in the current tax year needs to file a tax return. ...

Offshore investing fundamentals

13 Jul 2021
Always carefully consider your reasons for investing offshore; ensure it's not a knee-jerk reaction to local bad news. ...

How to be a better saver

1 Jul 2021
Like many things, saving is something that gets better with practice. ...

Understanding how medical aid tax credits work

14 Jun 2021    1
Understanding how it works can result in some much-needed tax relief. ...

20 steps you can take in your twenties that can secure your financial future

20 May 2021    1
The sooner your start your financial planning journey, the better the outcomes are likely to be. ...

Getting divorced: Calculating the accrual and dividing the assets

10 May 2021
Many couples do not spend enough time before getting married ensuring that their antenuptial contracts are aligned with their needs. ...

Multi-jurisdictional estate planning

3 May 2021
What to consider when structuring your foreign assets. ...

Advice for first-time home buyers

19 Apr 2021
Navigating the world of property and property finance for the first time can be daunting. ...

The practical realities of death: Winding up a deceased estate

12 Apr 2021    1
The winding-up process can be lengthy, cumbersome, and bureaucratic. ...

The impact of your marriage contract on your financial planning

31 Mar 2021
The legal consequences flowing from your marriage contract affect your estate structuring, tax obligations, maintenance obligations, debt, etc. ...

Financial planning in your 40s

26 Mar 2021
Some common mistakes to avoid. ...

Financial planning for single parents of special needs children

2 Mar 2021
Single-handedly parenting children with special needs requires special planning around the financial needs of both the parent and the child. ...

What to consider when investing indirectly offshore

23 Feb 2021
The decision to invest some of your funds offshore should always be taken as part of your overall investment strategy. ...

10 ways to maximise the benefits of your tax-free savings account

15 Feb 2021    8
The tax benefits of TFSAs are indisputable. ...

Retirement fund harmonisation: your questions answered

2 Feb 2021
The latest Taxation Laws Amendment Bill is set to come into effect on 1 March 2021. ...

Calculating your estate duty

26 Jan 2021    1
Estate duty taxes the transfer of wealth or assets from the deceased’s estate to the beneficiaries. ...

Donations and exemptions

10 Dec 2020    1
Understand the tax implications of giving and receiving donations. ...

Your 2021 resolutions depend on the financial decisions you make now

30 Nov 2020
If you really want to make headway with your finances, now is the time to start getting serious. ...

How single parents can protect themselves financially

24 Nov 2020
Mechanisms that single parents can use to strengthen their financial positions. ...

Offshore investing: incorporating global diversification into your investment strategy

19 Nov 2020
Global diversification is really just another way to achieve a well-balanced portfolio. ...

Living annuities: Your questions answered

12 Nov 2020
Choosing a living annuity is a decision you cannot afford to get wrong. ...

Top 15 things you can do today that your future self will thank you for

22 Oct 2020
Avoid having those ‘should’ve, could’ve, would’ve’ moments later on life. ...

Dread disease cover: How does it work, and do you need it?

6 Oct 2020
If there's a family history of a specific illness you're concerned about, check the fine print. ...

20 simple steps that will fortify your financial position

17 Sep 2020    2
What to do when your finances are in a somewhat tenuous position. ...

Your first child: how to update your financial plan

10 Sep 2020
A breakdown of the expenses that need to be taken into account when preparing for your child’s arrival. ...

Financial planning in your 60s: Beware of making these mistakes

3 Sep 2020
This decade leaves little room for error. ...

Retrenchment: What are my retirement fund options?

20 Aug 2020
Factors to consider when making your decision. ...

Money questions that marrying couples should tackle

4 Aug 2020    1
Before getting married, talk to each other openly about money and how it will form part of your relationship going forward. ...

Major money mistakes couples make

21 Jul 2020    2
Money is the number one reason that couples fight. ...

Retrenchment: The dos and don’ts

6 Jul 2020
Steps you can actively take to protect your financial position and chart a way forward. ...

Understanding the costs involved in buying a property

2 Jul 2020
There are a number of layers of costs involved, with most of them being for the buyer’s account. ...

Risk cover: Consider these tools to protect yourself

11 Jun 2020
These products all come at a price, and it’s often difficult to prioritise what cover you need and how much. ...

A living will: Your questions answered

4 Jun 2020
A living will can serve to speak for you when your voice is silenced.  ...

Difficult money conversations

27 May 2020
Discussions you should be having with your parents, children and friends. ...

Life-limiting illness: Important financial and legal considerations

21 May 2020
Living with the reality of a terminal illness creates a more urgent focus on several important affairs. ...

Understanding your retirement home options

12 May 2020
Including the pros and cons you need to consider. ...

Your risk cover and Covid-19

30 Apr 2020
A look at insurance in the context of the coronavirus. ...

Charitable giving as part of your financial plan

23 Apr 2020
A structured approach to supporting charities will strengthen your financial position. ...

Legacy documents to help your family in the event of tragedy

7 Apr 2020
From an Advance Healthcare Directive to a digital will, these documents will prove useful to your loved ones. ...

21 things to do this lockdown

30 Mar 2020
Now is a great time to tighten up your finances and organise your financial life. ...

Bulletproof budgeting: Creating a budget that can take the hits

23 Mar 2020
Having a solid budget is the first step towards creating sustainable, long-term wealth. ...

Making money work in (and for) your relationship

9 Mar 2020
Managing your financial affairs as a unified team can help to fortify your finances. ...

Your first job? Now’s the time to fortify your finances

25 Feb 2020
21 things you can do to get a better handle of your money. ...

Investment basics: Answers to common questions

20 Feb 2020
Seven burning investment questions answered. ...

Why you shouldn’t spend money this Valentine’s Day

13 Feb 2020
This celebration is really just an attempt to make you part with your hard-earned money. ...

Checklist: Things to do before the end of the tax year

27 Jan 2020
Ensure you've taken all steps possible to reduce your overall tax liability. ...

Retirement annuities: Answers to frequently asked questions

23 Jan 2020
You can stop contributing to a unit trust RA at any time, without any fees or penalties. ...

Upsizing your home: Beware the associated costs

10 Jan 2020
If you're selling your primary residence and the profit from the sale is above R2 million, 40% of the net capital gain is added to your annual taxable income. ...

How to become a saving specialist

12 Dec 2019
Making saving a habit and not a chore. ...

When to review your life cover

19 Nov 2019
Over and above an annual review, life cover should be reassessed at every significant life stage and in the event of certain changes. ...

Fact or fallacy: Making sense of some money myths

11 Nov 2019
Money myths, if believed, can set us on the wrong path and ultimately cost us money. ...

How to identify a Ponzi scheme

30 Oct 2019
Eight red flags to look out for. ...

Understanding pyramid schemes and multi-level marketing

16 Oct 2019
How they work, how to spot one and questions to ask before signing up. ...

Dread disease cover is a truly living benefit

7 Oct 2019
What it covers, how much it costs and how it works. ...

How you can save tax on school fees

6 Sep 2019
There's an often-overlooked tax relief option in the Income Tax Act. ...

Daily, monthly and yearly financial habits

29 Aug 2019
We are what we repeatedly do, and our financial position today is likely to be a reflection of our cumulative spending habits and money decisions. ...

The fundamentals of investing

15 Aug 2019
A portfolio should balances investment risk with investment returns, to achieve a more favourable result over your investment horizon. ...

How your group life cover and personal insurance work together

5 Aug 2019
It's important to determine whether your group life cover is approved or unapproved as tax may affect the quantum of the final payout. ...

How to make the most of the latest interest rate cut

21 Jul 2019
Keep home loan and vehicle repayments unchanged. ...

Destroy your debt in 10 (not-so-easy) steps

17 Jul 2019
It's important to understand the difference between ‘good’ and ‘bad debt’. ...

The benefits of a multi-manager

8 Jul 2019
A multi-manager strategically allocates a client’s capital to carefully-selected funds in line with the agreed investment mandate. ...
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