Holding your pension fund in cash for an indefinite period could lead to longevity risk in your investment capital. I went on an early pension. I put my pension in a money maximiser account at my bank; it is not a lot of money. Is this the right thing to do? Your question is very…

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The idea of a global epidemic is worrying enough, and we now know that it has hit our shores. But what about your investments? Global markets have fallen in value in anticipation of “what the virus could mean for the global economy”. As an experienced investor will know this reactive stance which is driven by…

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The question of paying off debt or contributing to retirement savings is something many South Africans wonder about. Jesse Morgans / 4 February 2020 I have invested my life savings into my home loan over the last two years and am depositing on average an additional R10 000 into my bond over and above my…

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Cash has become the ‘safe haven’ for investors who have opted out of multi-asset funds due to the poor return of growth assets over the past several years. Some investors have chosen to remove the uncertainty of noisy volatile markets and secure the “certainty” of an inflation-beating return with a relatively low degree of volatility.…

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Financial advice covers a wide and complex array of activities. To paraphrase Oscar Wilde: “we know the price of everything and the value of nothing.” Financial advice comes at a price, so it stands to reason that advised investors will expect better outcomes over time. Is this the case and how is it assessed? There’s…

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QROPS For expats living outside of the United Kingdom (UK), the option to move your pension to a qualified recognised overseas pension trust (QROPS) in one of the tax effective jurisdictions was a no brainer. With the pending divorce between the UK and the European Union the option to transfer a pension to a QROPS…

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