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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144 - Being savvy when choosing portfolios can improve your pension
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144 - Being savvy when choosing portfolios can improve your pension

Something I come across very often is that people more advanced in their years really struggle to keep up with the cost of living in our ever-modernising world. This is often due to the fact that their retirement monies aren't structured in such a way to ensure sustainability. Let's take a look at how some savvy decision making can increase your pension, and with that, your quality of life.

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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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142 - Planning to ease finances for your loved ones upon your death
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142 - Planning to ease finances for your loved ones upon your death

As daunting as it can be, something to think about when investing and reviewing current investments is about what would happen when you die. It's intended for the transfer to be as smooth as possible, but the right structures need to be put in place. Let's discuss what measures you can put in place to ensure that your loved ones are taken care of and have one less thing to worry about should you pass away.

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141 - Finding the sweet spot when choosing a medical aid
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141 - Finding the sweet spot when choosing a medical aid

A question we often ask ourselves is "Do I have enough, or at least the correct, medical cover?" Way too often people overpay for some new and fancy policy, but the difference between what they pay versus what they get out of it is mind-blowing. Let's take some time and discuss the basics of medical aid and how to choose the cover that is best suited for your needs.

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139 - Beware possibility of exhausting the funds from a living annuity
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139 - Beware possibility of exhausting the funds from a living annuity

When you invest for retirement, the point is, as straightforward as it may sound, to invest for the long haul. However, having too high a drawdown rate could foil those plans and leave you stuck in the mud. Let's discuss how you could circumvent this issue and save your future before it's too late.

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138 - Helping you choose the right annuities to fit your needs
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138 - Helping you choose the right annuities to fit your needs

The idea of retiring and having all of your affairs in order can be quite daunting, and there's often much anxiety when it comes to decision-making in this regard. However, as the saying goes, there are many ways to skin a cat. Let's discuss some of the options that are available to ensure a prosperous retirement.

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137 - Spreading your wealth across various asset classes
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137 - Spreading your wealth across various asset classes

We've all heard of "not keeping all of your eggs in one basket", but is there any merit to it? If the single basket falls and the eggs inside break, you'd have no backup. Similarly, from a financial perspective, if your wealth is concentrated in a single investment space, any trouble in the waters could be devastating.

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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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77 - It’s easy to invest through a platform, but be aware of the costs
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77 - It’s easy to invest through a platform, but be aware of the costs

Often in life we're given a few options in various fields, and one of the main questions we always ask ourselves in convenience over costs, and in the investing world it can pop its head up as well. Let's discuss the pro's and con's related to this process, to give you as an investor some clarity and assurance in this regard.

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74 - The head vs heart approach to saving for your child’s education
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74 - The head vs heart approach to saving for your child’s education

When becoming a parent, your financial reach immediately broadens as you have an extra dependent. Often people decide to start saving for their children's education as soon as possible, but naturally, this isn't without its own unique challenges. Let's discuss the pro's and con's of making this decision using the "Head vs Heart" approach.

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73 - Why it’s a good idea to have 40% of assets invested offshore
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73 - Why it’s a good idea to have 40% of assets invested offshore

Offshore investing can seem like such a daunting prospect, and it isn't risk free by any means, but it's actually fairly easy and can improve your financial wellness significantly, Let's discuss offshore investing, and trusting the market and its patterns vs trying to time it and potentially losing out massively.

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