by adminfwc | Jun 2, 2025 | Financial Planning, Life Cover, Medical, Tax
No. 206 – Whether to keep or cancel a life insurance policy Question I took out a life insurance policy many years ago which will pay out about R20m. I do not need the life cover anymore as the loan it needed to cover has been settled. The current premiums are...
by adminfwc | Jun 2, 2025 | Financial Planning, Investment, Retirement, Tax
No. 205 – Before you hedge, make sure you have the edge Question My son says that we should be investing in hedge funds as it will reduce the amount of risk in our investment portfolio. I’m a bit worried about this as I have seen stories where people have...
by adminfwc | May 5, 2025 | Estate Planning, Financial Planning, Investment, Tax
204 – How to provide fast access to funds after death Question I want to invest some money that can do the following: I want my spouse to have quick access to the funds should I pass away – I do not want her to wait till the estate has been finalised I do...
by adminfwc | Apr 1, 2025 | Financial Planning, Investment, Retirement, Tax
200 – Choose wisely and set yourself up for the future Question My mother recently passed away and I will be inheriting a living annuity that pays her an income of R20 000 a month and is worth R5m. I have been given the option of taking the R5 million as a lump...
by adminfwc | Apr 1, 2025 | Financial Planning, Investment, Retirement, Tax
199 – Timing the markets versus time in the market Question I retired three years ago, with half my income coming from my company pension fund and the other half from interest from investments. I am paying tax at a rate of 41%. Is there anything that I can do to...
by adminfwc | Apr 1, 2025 | Estate Planning, Financial Planning, Investment, Tax
197 – Be the master of estate planning and avoid delays Question I retired three years ago, with half my income coming from my company pension fund and the other half from interest from investments. I am paying tax at a rate of 41%. Is there anything that I can...
