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Latest Posts
Mar
29
2026
No. 248 – Savvy divorce planning starts with seeing whole financial picture
Question I am getting divorced. Everyone talks about the house, the pension and maintenance, but I do not even know where to begin. From a financial planning...
Mar
29
2026
No. 247 – Balancing care, finances and dignity for a parent with dementia
Question My mother is a widow and has been diagnosed with early-onset dementia. She owns several rental properties that provide her with income. She now needs to move...
Mar
29
2026
No. 246 – The case for not making hasty decisions in times of uncertainty
Question I am really worried about what is happening in Iran. Should I move my investments into gold or the money market until things settle down?Answer The current...
Mar
29
2026
No. 245 – Think twice before establishing a trust to fund future education
Question I’d like to set up a trust for my five-year-old daughter’s education. Is that the right move?Answer A trust can be an excellent vehicle for providing for your...
Mar
02
2026
No. 244 – How modern endowment policies can make tax and estate sense
Question My financial adviser recommended that I invest in an endowment. Is this advisable? I’ve heard bad things about it.Answer For many South Africans, endowments...
Mar
02
2026
No. 243 – The right questions you should be asking about a living annuity
Question I will be retiring shortly and am looking at buying a living annuity. I was told that the main item to look at would be costs. The plan that I am looking at...
Feb
19
2026
No. 242 – How time, consistency and simplicity grow retirement savings
Question I started my first job after graduating last year. The company offers group risk cover but no retirement fund. How much should I invest each month and what...
Feb
19
2026
No. 241 – Ironing out the problems of leaving a home for future generations
Question How can I leave my home to my children and grandchildren without them selling it once I've passed away?Answer Many people have a family home or holiday home...
Retirement Posts
Feb
19
2026
No. 242 – How time, consistency and simplicity grow retirement savings
Question I started my first job after graduating last year. The company offers group risk cover but no retirement fund. How much should I invest each month and what...
Feb
02
2026
No. 240 – Weighing up the pros and cons of RAs and tax-free investments
Question I pay tax at the 45% marginal rate and want to invest R3 000 a month for the next 10 years. Should I use a retirement annuity or a tax-free investment for my...
Feb
02
2026
No. 239 – Group RA versus cash: which one is the smarter financial choice?
Question I am from the UK and have been working in South Africa for a couple of years. I am a South African taxpayer and intend returning to the UK in about five years’...
Feb
02
2026
No. 236 – Smart moves to make the most of your tax-free investment
Question I have a tax-free investment at the bank, but the returns seem lower than what my friends are getting from their tax-free investments at an investment company....
Dec
02
2025
No. 234 – How to use living annuities and RAs as wealth transfer tools
Question I have R15m saved in a retirement annuity. As I have sufficient income from other sources, I will not need these funds to provide me with the pension. I would...
Dec
02
2025
No. 232 – Investment options for you that generate steady after-tax income
Question I am a 74 year old widow and have recently sold a property for R4m. How should I invest the proceeds to generate the best after tax income?Answer There are a...
Nov
10
2025
No. 231 – Make finances simple for your surviving spouse
Question I have managed the family finances without a financial adviser and have done well. I am concerned that when I pass away, my spouse — who has no interest in...
Oct
27
2025
No. 229 – Avoid leaving your children with frail-care costs by planning early
Question I booked my mother into a frail-care facility recently which costs R30 000 a month. Unfortunately, her pension is not large enough and I’ve had to step in and...
Estate Planning Posts
Feb
19
2026
No. 241 – Ironing out the problems of leaving a home for future generations
Question How can I leave my home to my children and grandchildren without them selling it once I've passed away?Answer Many people have a family home or holiday home...
Feb
02
2026
No. 238 – Considering offshore investment amid rand and JSE performance
Question The rand has improved against the US dollar over the past year. Is this a good time to move money offshore?Answer This is a really relevant question. The Rand...
Feb
02
2026
No. 237 – A solid financial plan for 2026 is to review, update and simplify
Question I want to get my finances properly sorted in 2026. What would you recommend I do to ensure that I will be in a better financial position at the end of next...
Dec
09
2025
No. 235 – Should you cash in a preservation fund to clear your home loan?
Question I have a preservation fund worth R1.3 million. The growth in that fund has not been particularly good (around 9% a year over the past 5 years). I'm thinking...
Dec
02
2025
No. 233 – Practical ways to teach children good long-term money habits
Question How do I teach my children good financial habits?Answer Managing money is one of the most important lessons we can teach our children. Here are a couple of...
Nov
10
2025
No. 231 – Make finances simple for your surviving spouse
Question I have managed the family finances without a financial adviser and have done well. I am concerned that when I pass away, my spouse — who has no interest in...
Oct
27
2025
No. 229 – Avoid leaving your children with frail-care costs by planning early
Question I booked my mother into a frail-care facility recently which costs R30 000 a month. Unfortunately, her pension is not large enough and I’ve had to step in and...
Oct
20
2025
No. 228 – Plan for the everyday while estate is wound up
Question We are married in community of property and are worried that if one of us dies, everything will be frozen for months or maybe years while the estate is wound...
Business Posts
Aug
31
2025
No. 221 – Buy-and-sell structures are crucial for businesses
Question I run a business with two partners. Things are fine now, but what if one of us dies? A friend passed away last year, and it ended up in a messy legal fight...
May
05
2025
No. 203 – Options to make a higher salary and a loss of benefits work for you
Question I am moving to a new company where the salary will be higher but there are no company benefits like a pension fund or medical aid. I am not sure what I should...
Dec
02
2024
No. 189 – Retirement and risk cover options for employees
Question I have a business with 20 employees. I would like to put in some kind of retirement fund for them. Is this financially feasible for our sized company? If so,...
Dec
02
2024
No. 185 – To quell chaos, your business needs its own will
Question I recently heard someone talking about a will for a business. How does this work?Answer A will for a business documents what should happen to your interest in...
Dec
02
2024
No. 184 – Products that can give employees peace of mind
Question A colleague has recently been diagnosed with cancer. He is going to be unable to work properly for at least three months. The company will pay him his basic...
Nov
20
2024
No. 178 – How life insurance can protect your spouse if you’re the co-owner of a business
Question I founded a successful business 20 years ago with two others. All three of us are actively involved in its day-to-day management. As it is September, I took...
Nov
19
2024
No. 021 – How to set up a pensions scheme for a small business without any schlep
Question I own a small business and am concerned that a number of my older employees have not made any provision for their retirement. I would like to assist them in...
Nov
19
2024
No. 022 – How to reduce estate duty and executor fees
Question I discovered that my parents do not have a will and have done no estate planning. My father says that he does not have enough assets to have to pay estate...
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RETIREMENT
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