Daily Maverick Articles

If you lived overseas, you would not have all your investments in South Africa. By spreading your investments across countries, you can get better returns and reduce the risk in your portfolio

The phrase "make your money work for you" is thrown around very often, but most people don't really grasp the concept fully, or have the knowledge of what to do and what resources are available. Let's take some time and discuss what structures you can put in place to ensure a healthy financial standpoint and in turn "make your money work for you".

As we've discussed many times before, nothing in my line of work is "one size fits all"; everyone has a unique set of circumstances that must be taken into consideration when they make decisions. You need to be in a solution which works in line with your own goals and targets. A specific factor in this regard is deciding what type of annuity option to choose. Let's take some time to discuss the differences between living and life annuities, and where the strength lies within each option.

This industry is mostly filled with people who are eager to do the necessary for their clients to help them grow and achieve financial success. However, as with many other professions, every now and then there tends to be a snake in the grass. Let's take some time and discuss what you should be looking out for and how to go about picking the right options.

As we've spoken about before, death is never an easy topic to talk about, but every now and then, life forces you to face the music. It is, however, important to arm yourself with the relevant knowledge. Let's take some time to understand death benefit payouts and their relevant tax implications.

Bank interest rates have been very good this year and many received a nasty surprise when they realized how much tax is payable. By restructuring the investment so that you pay CGT rather than income tax, you can reduce your tax bill significantly.

As someone who used to be employed as a teacher many years ago, and still work with many to this day, I'm quite familiar with the types of pension funds that are available in an already underpaying profession. Let's take a look at home you could structure your affairs to give you the best returns and most longevity.

Tax free investments are such a great vehicle for saving money, as its perfect for long-term saving. Many people underestimate the value of such an investment, but there's more than what meets the eye. Let's discuss certain things to take note of and realise just how valuable these investments can be.