by adminfwc | Nov 2, 2026 | Estate Planning, Financial Planning, Investment, Tax
No. 275 – Money in the bank could cost you more in tax Question I recently got a shock from my tax advisor and was told I have to pay SARS over R100 000 this year. My advisor said it was because I have too much money in my local and offshore bank accounts. ...
by adminfwc | Nov 2, 2026 | Financial Planning, Investment, Retirement, Tax
No. 274 – Weighing up rental income against long-term investment growth Question I have a rental property worth R5.5 million that generates an income of R46,000 a month. After expenses, I am left with R32,650. As I don’t need the income, I invest the...
by adminfwc | Oct 5, 2026 | Estate Planning, Financial Planning, Investment, Retirement
No. 271 – Planning for living and having money left to leave after your death Question I am 65 and have a retirement fund worth R5 million. I want an income, but I also want to leave something to my son when I die. What should I do? Answer Balancing the income...
by adminfwc | Sep 21, 2026 | Estate Planning, Financial Planning, Investment, Tax
No. 268 – Access bonds can boost emergency savings, but discipline is vital Question Is it prudent to put your emergency fund into your access bond, where it reduces the interest on your home loan but remains available if you need it? Answer From a purely...
by adminfwc | Sep 2, 2026 | Estate Planning, Financial Planning, Investment, Tax
No. 267 – The case for giving children an early inheritance Question My wife and I are in our seventies and have considerably more money than we are likely to spend. Our children are in their forties and could use the money now. Should we start giving them their...
by adminfwc | Sep 2, 2026 | Estate Planning, Financial Planning, Investment, Tax
No. 266 – Three principles to guide investment decisions Question I inherited R3.8 million and want to invest it sensibly. There is so much talk around costs and types of investment that I am confused. What should I actually look at? Answer Without knowing...
