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It's important to be informed of your different options at retirement.

If you’re not on track with your retirement planning, it's best to act sooner rather than later.

These points of guidance, coupled with an engagement with an investment professional, can set your investment journey on the right path.

Government has given investors more options and an incentive to continue using retirement products.

There is far more to consider when investing in property than the mere price you pay, and the rental income derived from this investment.

Including evaluating the liquidity of your estate, communicating with your heirs, and re-assessing your trust-related estate planning goals in general.

Understanding a few fundamentals can calm the nerves for a successful future investment strategy.

South Africans can take up to R11 million offshore annually.

Income funds aim to provide a return higher than money market returns and to earn a reasonable level of income with relative capital stability and low risk.

Tips to help investors focus on staying on the right track, even during tumultuous times.

Regulation 28 has been amended to increase the offshore limit. Here is what it means for the retirement savings of ordinary South Africans.

The volatility in commodities can present both danger and opportunity depending on where we are in the cycle.

It is important to focus on building well-diversified portfolios on a global scale.

An international endowment option is affordable, tax-friendly, easily inheritable and liquid.

A sinking fund allows for offshore allocation within the underlying investments.

If you are concerned about your future in South Africa and protecting your financial assets, emigration is not the only choice you have.

Answers to questions that usually elicit the most disbelief and tax shock from investors going through an estate planning exercise.

If you wait for all risk to dissipate, you will never invest.

Research shows that an advisor can add between 1.5-3% to an investor’s returns over time.

Many investors assume that they must first retire from their employment, for many at the age of 60/65, before they can retire out of their retirement annuity and purchase a living annuity.

A common misconception about diversification is that simply spreading risk across multiple asset classes is enough.

Where to invest savings for optimal growth and tax efficiency remains the top priority for most investors.

The product allows for capital to compound without any future capital gains tax implications.

Building wealth takes time, discipline and requires a long-term view.

Time to invest in diversified and resilient portfolios, control what you can and avoid what you cannot.

In life, there are only two certainties: death and taxes. The only difference between them is that death does not get worse every time the government meets. And by the way, you don’t pay taxes – the government takes taxes. At this time of the year and with the tax season around the corner, most

Navigating this new state of play requires careful management of personal finances.

The dangers of holding assets in safe, but low-yielding assets.

If you are careful in your approach, you will give yourself a better chance of bringing your financial new year resolutions to fulfilment.

An illustration of the vast difference in personal wealth accumulation between a local investment portfolio and an offshore investment portfolio over the past decade.