Investing
f selecting a fund or combination of funds is overwhelming, you may want to consider using a multi-manager. Asset management and the selection of underlying unit trusts require an enormous amount of expertise and skill, and a multi-manager approach has
As an individual investor, you are free to construct a portfolio that is fully customised to your needs although you will be limited by the provisions of Regulation 28 as mentioned above. This piece of legislation is designed to protect
Tax-free savings accounts can take the form of money market or fixed-term bank accounts, a unit trust investment or a JSE-listed exchange-traded fund, and can be issued by banks, long-term insurers, unit trust managers, mutual banks, or cooperative banks.
Taxpayers are afforded several ways to reduce their tax liabilities, and it is advisable to employ these mechanisms to your benefit. Leaving ‘free money’ on the table doesn’t make financial sense so be sure that tax planning forms part of
Budgeting involves a lot more than merely keeping track of expenses. As you get into the habit of record-keeping, checking bank balances, double-checking your debit orders and querying fees, the process of budgeting eventually forms part of everyday life. Be
One of the most significant advantages of a preservation fund is that you are permitted to make one full or partial withdrawal from the fund before age 55. If there is a likelihood that you may need access to your
Rental property markets fluctuate and as a property investor you need to be prepared for times when the rental market is saturated. In a saturated market, you may find it difficult to increase your rental in line with annual inflation
Buying property is expensive and, as a rule of thumb, if registering a bond to buy the property, it is wise to budget for transfer and associated costs of between 8% and 10% of the purchase price of the property.
Rental property owners are able to mitigate the risk of tenant vacancy by taking out rental insurance, although this type of cover is generally expensive. There are a few insurance companies that offer risk cover protection that cover three months’
All couples should plan for the reality that one partner will outlive the other and contemplating what life will look like alone is an important discussion for couples to have. Developing a joint estate plan is an essential part of
