Feel free to enjoy my weekly columns as published in The Daily Maverick

149 - Making the most out of your tax-free investment
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149 - Making the most out of your tax-free investment

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.

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148 - How to pay less tax on your retirement income
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148 - How to pay less tax on your retirement income

"Nothing is certain but death and taxes", and unfortunately the older you get, the more those two factors can loom heavily over you. However, with some strategic work you can ease the tax burden on your retirement income quite significantly. Let me walk you through some ways to circumvent this issue.

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146 - Thinking carefully about retirement products
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146 - Thinking carefully about retirement products

Ensuring that you have enough money when you retire can be a daunting, and quite challenging process. Let's discuss retirement products, weigh up some pro's and con's, discuss the relevant income streams and how to manage the money, all while helping you set yourself up for a stress-free, prosperous retirement.

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143 - Getting to grips with life insurance premiums
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143 - Getting to grips with life insurance premiums

One of the biggest hurdles I see many people face, especially in their later years, is the burden of life insurance premiums, and wanting to scale down on their cover. Many people think that they've figured out a great solution, but in the long run that turns out not to be the case. Let's take some time and discuss how to go about analysing quotes by assessing what you get vs what you need, and understanding premium patterns.

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140 - Situs tax: a potential thorn in the side if you're not careful
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140 - Situs tax: a potential thorn in the side if you're not careful

With many investors now adopting a more optimal approach with their investment strategy by having money offshore, an important thing to take note of is "situs tax". Let's take some time and discuss what it means, what implications it can have, and how it can be worked around with some careful consideration.

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136 - Familiarise yourself with the tax burden on investment returns
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136 - Familiarise yourself with the tax burden on investment returns

As investors we can easily get drawn towards a product that offers high returns, but then the tax burden hits and almost all of the hard work of the investment is nullified. Let's explore some options that are available in order to limit the effect of taxation within certain investments.

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134 - Recalibrating your finances when going through a divorce
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134 - Recalibrating your finances when going through a divorce

The process of divorce can be one of the most brutal and transformative experiences anyone can go through. As the saying goes, "the show must go on", but naturally that's a lot easier said than done. Let's talk strategically about the routes you should take should you be thrown into such unfortunate circumstances.

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133 - Making sure the ship stays afloat after you're gone
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133 - Making sure the ship stays afloat after you're gone

Something we devote a lot of our time worrying about is the question "will my family have enough money when I'm gone?". Well, with some clever planning and strategic decisions, this is very achievable. Let's take some time and explore the options that are available to you to take some weight off of your shoulders.

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128 - Using your RA as a vehicle to pay for your grandchild's education
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128 - Using your RA as a vehicle to pay for your grandchild's education

As one gets older and the family expands, your focus may shift and you may want to help your children put their little ones through school. With some clever structuring and know what to do with your assets, this is very achievable, even without costing an arm and a leg.

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127 - Ensuring financial health for your spouse should you pass away
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127 - Ensuring financial health for your spouse should you pass away

As with anything in the financial space, nothing is "cookie cutter". There's no one way of doing things. Let's sit and talk through this together, and hopefully arrive to a position where this is clearer to you and can help you make an informed decision in the future.

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104 - What to do if your life insurance premiums start doubling every 5 years?
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104 - What to do if your life insurance premiums start doubling every 5 years?

Many life insurance policies were sold with premium increases that are age rated. This means that they often increase by 13% a year when you reach your 50s. What should you do to remedy the situation?

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89 - What to consider when calculating the benefits of alternative energy sources
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89 - What to consider when calculating the benefits of alternative energy sources

When it comes to setting up alternative electrical supplies, there are two aspects to consider: convenience and investment.

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