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And why it's important to consult an independent financial advisor on your savings goals.

It's a life (or guaranteed) annuity inside a living annuity.

There are plenty of inland and outland offerings to ensure your portfolio is sufficiently diversified geographically.

Proper risk profiling ensures that your asset allocation is in alignment with your attitudes and current situation. Picture: Shutterstock

The 'Singapore of Africa’ offers one of the most progressive investment environments on the continent.

Choosing between the two products should not be based on financial legacy.

You can also use local and offshore unit trusts, direct share portfolios and endowments to supplement your traditional retirement funds.

Annuitants must draw as little as possible to ensure their capital will be sustainable in future.

If done correctly, an investor can move approximately R500 000 offshore in less than 13 months.

There is still time for you to top up your RA or tax-free savings account before February 28.

Why we don’t get excited when alternative investments go up for sale?

A full personal finance review is the best starting point to see what a most suitable goal for a new year should be.

Why risk cover is so important.

Investors need to remain committed to their investment strategies, and in particular offshore exposure.

Get to know how to manage your own finances, and be open about it.

Retiring (like flying) without the necessary research, prior learning and regulatory precautions could result in a crash.

It is as important to have a diversified investment approach in retirement as it is while accumulating wealth.

How to re-evaluate your existing will, the liquidity of your estate and estate-planning goals in general.

Use the remaining weeks to the end of February to review contributions to retirement investments and tax-free savings accounts.

Apart from significant diversification benefits funds of funds investment options offer a particular advantage for investors seeking tax efficiency.

In a lot of cases it would be most beneficial to have a combination of the two.

A few helpful tips to plan and keep track of your spending.

About 94% of individuals are unable to retire independently and maintain their living standard straight after retirement.

Draw up a budget, which includes a savings plan and investment strategy, then stick to it. Review the situation when circumstances change and amend accordingly.

Measuring financial advice solely on investment performance sets advisors up for failure.

Taxpayers who don't use the SVDP to come clean, risk being taxed on the full amount not taxed before, as far back as Sars can raise assessments.

And help get you permanently out of the 'rat race'.

It's best to remain on the conservative side.

In many aspects, 2016 have to be regarded as the worst financial and investment year for many people. Will 2017 be better?

Skills you need to achieve financial independence.

The new global standard on Automatic Exchange of Information will enable governments to recover tax revenue lost to non-compliant taxpayers, and will further strengthen international efforts to increase transparency, cooperation, and accountability among financial institutions and tax administrations.

And why you need one.

Taxpayers should make use of amnesty period to avoid penalties.

'Investors aiming for higher returns over the next five years should be prepared to stomach more volatility.'

Notes on surviving the current storms brewing.

Money tips for couples.

We are only at the beginning of an increasing interest cycle; any exposure to interest bearing instruments should only form part of a 2016 strategy.

Higher life expectancy: key factors to consider.