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Tax Free Savings and Investment accounts – what you need to know
The Tax Free Savings and Investment allowance has been available since 2015 and many South Africans have taken up the opportunity to get tax free returns. What exactly does Tax free mean? Tax Free means just that. Any interest, capital gains, dividends, or any form of...
Balanced Portfolio Structure for Retirement
Retirement investment portfolio's should be balanced to mitigate any excessive risk. Capital preservation and steady growth over the long term are essential. The baility to forecast over a long period of time with a balanced portfolio can be pretty accurate and one...
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How well are South Africans prepared for retirement?
South Africa has a unique set of circumstances when it comes to looking after family. In most South African cultures, it would seem that the duty of support rests on the working family members. This does not sound too onerous until we take into account the growing...
Balanced Portfolio Structure for Retirement
Retirement investment portfolio's should be balanced to mitigate any excessive risk. Capital preservation and steady growth over the long term are essential. The baility to forecast over a long period of time with a balanced portfolio can be pretty accurate and one...
Off-shore investments to mitigate uncertainty in SA
Getting the most from your investments as a South African Investor requires you to consider so many possible negative variables that we often become overwhelmed and end up doing nothing. As a South African taxpayer you need to be aware that personal taxes, business...
Allan Gray offshore fund for everyone
Investing offshore has been part of many well advised people's portfolio diversification for many years and if you had listened, you would have had almost 2000% growth since 1971. (ie for those that started investing 50 years ago and are now happily retired) Most...
How well are South Africans prepared for retirement?
South Africa has a unique set of circumstances when it comes to looking after family. In most South African cultures, it would seem that the duty of support rests on the working family members. This does not sound too onerous until we take into account the growing...
Is Facebooks Libra coin the Crypto currency that will take hold
There are some big hitters backing Facebooks Libra coin, including Naspers, Paypal, VISA and Mastercard. This is an amazing coup for Facebook, with 30 big names backing the crypto currency so far. There are hopes that 100 of the Worlds biggest Internet Giants will...
GEPF seeking to change foreign exposure rules
The Government employees pension fund (GEPF) is the largest pension fund by investment value that invests the retirement savings of all South African Government employees. The GEPF is currently seeking to increase it's exposure to foreign markets and currencies as...
Investment pouring in to South Africa updated 29 October 2018
The investment summit being held in South Africa has yielded some incredibly promising investment inflows from companies right across the business spectrum. One such investment pledge comes from the darling of the Johannesburg stock exchange Naspers, who have pledged...
Preparing for your future being HIV positive
If you have recently had your status confirmed as HIV positive and had the necessary discussions about your future with a medical professional, one of the things you will be aware of is the need to manage your HIV with medication. What you will also be acutely aware...
List of Ombudsman in South Africa that can help with any complaints you may have
Here is a complete list of Ombudsman in South Africa which will help with anything from Banking and pension payment issues to banking, sectional title, credit and even vehicle related issues. When to contact the Ombudsman. (below are a few examples) What is an...
What to do if your employer has not been paying over your pension fund/retirement contributions
In the recent pension fund adjudicators annual report there is an alarmingly high incidence of companies deducting money from employees salaries for investment into pension funds or other retirement products and the money being deducted, not being paid over to the...