property

An ETF is a listed investment product that tracks a defined index such as the JSE Top 40 which tracks the stock exchange’s top 40 companies. ETFs track JSE-listed shares which give investors exposure to multiple companies by investing in

While young and in the process of building wealth, it is essential to protect one’s greatest asset – your income. Your income allows you to service your debt, maintain your standard of living and fund for your retirement years.

You will also need to budget for moving costs which can range between R5 000 and R25 000 depending on the contents of your home, your location and when you choose to move.

Donations can be used effectively in conjunction with an inter vivos trust to reduce the value of your estate during your lifetime. By reducing the value of your estate, you will effectively reduce your estate duty liability while at the

As your teenagers get older, you will need to start planning for large expenses such as vehicles, tertiary education, overseas school or study opportunities, exchange programmes and even weddings.

Avoid the temptation of buying too much car for your purposes as it will only serve to burden you with extra costs such as higher insurance premiums, fuel costs, tyre replacements, and expensive spare parts and services.

A distinct advantage of drafting a separate Will for your foreign assets is that you can ensure that the Will fully complies with the laws of the country in which your assets are situated, and that no complications arise.

When choosing witnesses for your Will, remember that no one who stands to benefit from your estate should be allowed to witness your Will. If a beneficiary to your Will also signs as a witness, he/she can be disqualified from

If the body corporate needs more money, they are further entitled to raise a special levy which can be used to cover the costs of necessary expenses which cannot wait until the next financial year.