investment portfolio
If you are an individual investor, you can use your annual capital gains tax exemption, being the first R40 000 of gains made on your investment portfolio, to rebalance their portfolios if necessary.
Stay updated on market news and developments but resist the urge to overreact to short-term fluctuations. Avoid making impulsive decisions based on emotions or sensational headlines. A calm and rational approach to market information is essential for sound decision-making.
Portfolio management and the selection of underlying investments is a uniquely specialist field that requires an enormous amount of investment capability, research and skill. Rather than adopting a single manager approach, investigate the possibility of appointing a multi-manager to manage
Except in the case of ill-health or emigration, investors can only retire from a retirement annuity from age 55 onwards, although they are entitled to stop contributing towards their RA at any stage without fear of early termination fees or
Whereas traditional advice was often designed to address a specific need in a client’s portfolio - generally in the form of a commission-based product sale - lifestyle planning takes a holistic view of the portfolio to identify shortfalls or areas
From 1 March last year, provident funds are subject to the same rules at retirement as pension funds and retirement annuities, except whereas a provident fund member you were age 55 or older at that date and you remain a
A Rand-based offshore investment is the simpler of the two options as you do not need to convert your money into another currency. By investing through a local, reputable LISP platform which has a mandate to invest in foreign assets,
The other option for externalizing funds offshore is to utilise the indirect option through Rand-denominated funds. Indirect offshore investing means that no Rands are physically transferred by the investor, and their investments remain domiciled in South Africa.
A retirement at age 55 means that you still have a potentially long-term investment horizon and, as such, you will need to ensure that you are invested appropriately for this time period. You will need to ensure that your investment
