by adminfwc | Dec 9, 2025 | Estate Planning, Financial Planning, Investment, Tax
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 of cashing it...
by adminfwc | Dec 2, 2025 | Financial Planning, Investment, Retirement, Tax
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 like to leave the full...
by adminfwc | Dec 2, 2025 | Estate Planning, Financial Planning, Investment, Tax
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 ideas that may help your...
by adminfwc | Dec 2, 2025 | Financial Planning, Investment, Retirement, Tax
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 couple of options...
by adminfwc | Nov 10, 2025 | Estate Planning, Financial Planning, Investment, Retirement
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 money — will not know what to do. What...
by adminfwc | Nov 3, 2025 | Financial Planning, Investment, Medical, Tax
No. 230 – Investment account only for dental expenses will keep you smiling Question My friend’s son has had braces fitted to his teeth. I was shocked to hear what it cost and that it was not covered by their medical aid. What do I do now to ensure that if my...
