by adminfwc | Feb 2, 2026 | Financial Planning, Investment, Retirement, Tax
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 savings? I do not own...
by adminfwc | Feb 2, 2026 | Financial Planning, Investment, Retirement, Tax
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’ time. My employer...
by adminfwc | Feb 2, 2026 | Estate Planning, Financial Planning, Investment, Offshore
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 / Dollar exchange...
by adminfwc | Feb 2, 2026 | Estate Planning, Financial Planning, Investment, Life Cover
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 year? Answer If you...
by adminfwc | Feb 2, 2026 | Financial Planning, Investment, Retirement, Tax
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. Can I move my investment...
