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News & Publications

A Guide to Derivative Trading for Beginners

A Guide to Derivative Trading for Beginners

Derivative trading can be a complex and intimidating world for beginners, but with the right knowledge and guidance, it can also be a lucrative investment opportunity. This guide will cover the basics of derivative trading, including what derivatives are, how they...

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The Advantages of Structured Investments

The Advantages of Structured Investments

Structured investments offer a unique combination of benefits, including attractive returns and minimized risk. By investing in structured products, you can take advantage of multiple markets, asset classes, and investment strategies while limiting your exposure to...

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How is my unit trust investment taxed?

How is my unit trust investment taxed?

If you've invested in a unit trust, you may be wondering: "How is my unit trust investment taxed?" Well, first we need to cover the basics. What is a unit trust? Unit trusts are a type of investment where a pool of money from multiple investors is managed by a...

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What is tax rebate on a retirement annuity?

What is tax rebate on a retirement annuity?

If you've heard of retirement annuity, at some point you may start to think "What is a tax rebate on retirement annuity?" Well, in this article we'll explain how this works. But first, let's start with the fundamentals. What is a retirement annuity? A retirement...

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The Risks and Benefits of Living Annuity

The Risks and Benefits of Living Annuity

A living annuity is a retirement investment product that allows an individual to convert their retirement savings into an income stream. In this article, we will cover the risks and benefits of living annuity. First, let's start with the benefits. The benefits of a...

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What is a unit trust fund?

What is a unit trust fund?

If you're curious about different types of investments, you may wonder at some point: "What is a unit trust fund?". A unit trust fund is a type of investment fund that pools together money from a group of investors and uses that money to purchase a diversified...

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What is non-pensionable income?

What is non-pensionable income?

Non-pensionable income is income that is not eligible for pension benefits. This can include things like bonuses, overtime pay, and other types of income that are not considered regular or recurring. In some cases, non-pensionable income may be subject to different...

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What is a preservation fund?

What is a preservation fund?

What is a preservation fund? In terms of the Pension Funds Act, a preservation fund is like a retirement fund. It's a great tax-effective investment vehicle designed for individuals who want to make the most of their retirement plan. If you want to transfer your...

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What is Wealth Management?

What is Wealth Management?

What is Wealth Management? Your wealth should be managed properly - this includes money and possessions. It's important to grow it and make sure that it doesn't decrease in value. Wealth management is the process of analyzing your wealth and making decisions so you...

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Why invest for Retirement?

Why invest for Retirement?

10X Investments (Pty) Ltd recently published its Retirement Reality Report for 2022. It was found that 46% of those surveyed did not have a retirement plan. We often make decisions based on our perceived cost of doing something, but we seldom calculate the cost of...

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What is a living annuity?

What is a living annuity?

What is a living annuity in South Africa? A living annuity is a long-term financial product that offers regular payments. There are two types of annuities: a guaranteed annuity, or living annuity. Whether you’re in a pension fund, pension preservation, or RA fund, you...

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Does a pension fund get taxed?

Does a pension fund get taxed?

Pension funds are often used by people to save for retirement. But when someone dies before reaching retirement age, that money must be paid back to the government. This article explains how this works. The Basics A pension fund is an investment vehicle that allows...

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How does a retirement fund work in South Africa?

How does a retirement fund work in South Africa?

You have different options for saving for retirement, including investing in a retirement fund. The best retirement funds can make a big difference in your financial future and your ability to fund your retirement. The better your understanding of how retirement funds...

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Steps to Winding up an Estate in South Africa

Steps to Winding up an Estate in South Africa

Report the death to home affairs Find The Will Register the Deceased Estate Executor to arrange preliminary meeting with family Executor to Master for Letters of Executorship Open a Bank Account Report the estate to SARS Gather the Documents Required Advertise The...

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What is a Retirement Annuity? Understanding Retirement Annuities in South Africa

How does a Retirement Annuity (RA) work?

An RA is a retirement fund in terms of the Pensions Fund Act. In the interest of limiting investment risk and preserving wealth for your retirement, RAs are subject to limits on the percentage of the portfolio that can be invested in higher risk asset classes. The...

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What is a structured investment product?

What is a structured investment product?

A structured investment product is designed to take advantage of market conditions through pre-packaged investments that are usually linked to an index or a basket of underlying securities. Clients who invest in these products are agreeing to a fixed term structure...

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Tax Benefits of a Retirement Annuity

Tax Benefits of a Retirement Annuity

Several tax incentives exist to encourage South Africans to invest in Retirement Annuities (RAs). Contributions are tax deductible Contributions to a Retirement Annuity, pension or provident fund are tax deductible in the tax year in which the contributions are made...

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Preservation Fund Withdrawals

Preservation Fund Withdrawals

A preservation fund is a retirement fund which preserves the value of a pension or provident fund when an employee has resigned or been retrenched from his employment. Withdrawal before retirement An investor may make one full or partial withdrawal from his...

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