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 | 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...
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...
