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As we approach retirement age, one of the most important financial decisions we'll have to make is what to do with our pension fund. With so many options and considerations to keep in mind, it can be overwhelming to figure out the best course of action. That's why...

Maximizing Your Retirement Savings: What to Do with Your Pension Fund When You Switch Jobs Retirement is a time that we all look forward to, where we can finally sit back, relax, and enjoy the fruits of our labor. But to be able to do that, we need to make sure that...

Retirement planning may seem like a distant concern for millennials, but the earlier you start, the better off you'll be in the long run. This guide will explain why it's important to start planning for retirement now, and provide tips for getting started on the right...

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...

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...

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...

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...

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...

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...

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...

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...

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...

Retirement annuities, commonly known as RAs, are an integral part of financial planning for individuals in South Africa, providing a robust platform for long-term, tax-efficient saving towards retirement. They are based on the Pension Funds Act and constitute a...

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...

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...

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...

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...

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...

All three products are subject to Regulation 28 limits and the tax benefits are the same. A maximum tax reduction on your contributions of 27.5% (with an annual ceiling of R350 000) of your taxable income is allowed. Pension/Provident funds are also called workplace...

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...

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...

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...

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...