General Investment Advice

The ultimate low-risk, high-return investment... if you give it enough time!

by Patrick Cairns

Over the past 25 years, the JSE has been through three major downturns. There was the emerging markets crisis in the late 1990s, the dot-com crash in the early 2000s, and the financial crisis that hit in 2008.

Despite these setbacks, the FTSE/JSE All Share Index (Alsi) delivered an annualised return of 13.6% between January 1996 and November 2019. At an average inflation rate of 5.8%, this means that investors have earned real returns of 7.7% per year.

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What are the tax benefits of contributing to a retirement annuity?

by Carrie Furman - Allan Gray Tax Team Manager

Contributions to retirement funds are tax deductible, within certain limits. The maximum tax deduction you may make in a tax year is limited to the greater of 27.5% of taxable income or remuneration from your employer, subject to an annual ceiling of R350 000. On 1 March 2016, the tax deductions for retirement savings increased from 15% to 27.5% - which means you can now save more for retirement and get back more from SARS.

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Bump up your savings with a tax-free investment

by Mthobisi Mthimkhulu - Allan Gray Manager

Have you taken the plunge and started your own business, but sacrificed some (if not all) of your savings to do it? Mthobisi Mthimkhulu suggests using a tax-free investment to boost your savings and preserve your tax benefits.

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Can value loss in pre-retirement investments normalise after upswings?

by Richus Nel

When approaching retirement, in a depressed market, does it really matter if you cash in your pension to whatever product? Let’s say at current market conditions the value of the pension is R5 million, but a few months ago it was R5.5 million, before the market dipped. If you transfer R5 million and the markets pick up again, would you also benefit from the same upswing in your retirement annuity, as the equity portion of the annuity is not that much lower as just before you retired?

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8 tips from 'the greatest unit trust investor ever'

by Warren Ingram

The greatest ever unit trust investor was Peter Lynch, according to personal finance expert (Galileo Capital) Warren Ingram.

The Money Show's Bruce Whitfield asked Ingram to discuss some of Lynch's gems from the interview.

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News

Welcome to our news section where we will do our very best to keep you up to date with relevant and interesting information about savings and investments. In particular, we will be covering unit trusts and retirement annuities as well as the financial services industry in general.

Recent articles

  1. The ultimate low-risk, high-return investment... if you give it enough time!
  2. What are the tax benefits of contributing to a retirement annuity?
  3. Bump up your savings with a tax-free investment
  4. Can value loss in pre-retirement investments normalise after upswings?
  5. The emotional and financial cost of a poorly-drafted will