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 | 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 | Oct 27, 2025 | Estate Planning, Financial Planning, Medical, Retirement
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 subsidise the...
by adminfwc | Oct 7, 2025 | Financial Planning, Investment, Retirement, Tax
No. 226 – Money priorities every graduate should know Question I will be finishing university next month and know nothing about financial planning. What should I prioritise? Answer Start with the only asset you already own that can pay for everything else — your...
by adminfwc | Sep 16, 2025 | Financial Planning, Investment, Retirement, Tax
No. 223 – Time plus compound interest equals big returns Question I’m a 74-year-old ‘financially illiterate’ gran learning so much from your column. I have a newborn grandson and would like to start some sort of ‘fund’ for his future. What would you advise?...
