Articles
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TFSAs and RAs:
Why it pays to invest early in the tax year
The earlier you invest, the longer you’ll be invested STEVEN JONES Editor’s note This article was originally written for a UK context by James Norton, who is the head of financial planners at Vanguard Europe. It has been adapted for the South African context to take...
Your tax and business travel
What constitutes ‘business travel’ often means different things to SARS than to taxpayers STEVEN JONES NOW THAT it has been compulsory for recipients of travel allowances to substantiate their claims by means of a detailed logbook for a number of years, it has...
How to invest in KrugerRands
Diversifying your investment exposure through Krugerrands SAMUKELO ZWANE THE GEOPOLITICAL tension between Russia and Ukraine has had a significant impact on financial markets and commodities across the globe, especially on oil. This volatility created some...
Preserve capital, beat inflation
How active asset allocation improves consistency of returns EBEN KARSTEN MULTI-ASSET and absolute return investing go hand in hand, as the enhanced diversification provided by multiple asset classes should limit downside risk. Importantly, the objective of these funds...
10 ways to become an informed online trader
A seasoned strategist’s opinion FRED RAZAK TRADING HAS changed considerably over recent decades. Many of us have seen classic movies like 1987’s Wall Street (and, more recently, The Wolf of Wall Street) depicting the world of trading as a glamourous, high-flying...
Investments where SARS chips in
TFSAs are great, tax-efficient investments … but other investment tax breaks are also available JACO VAN TONDER THE MEDIA hype about tax-free savings accounts (TFSAs) may take investors’ eyes off the other tax incentives available to them. TFSAs are a great...
Financial planning is not only about the money
It’s also about dreams, lifestyle aspirations, and peace of mind DAPHNE RAMPERSAD WHEN IT comes to financial planning, many people focus solely on wealth creation instead of what is needed to maintain the life we might want for ourselves and our loved ones. Decisions...
Constructing a portfolio
You wouldn’t throw a whole load of random ingredients into a bowl and expect a cake. An investment portfolio is no different. FNB A key determinant of successful long-term investing is about finding the ap-propriate assets that match your risk profile and that will...
Read my lips: No new taxes!
(Unless you drink or smoke, that is …) STEVEN JONES IN THE run-up to the 1988 US presidential election, Republican nominee and incumbent vice-president George HW Bush built his presidential campaign around these words: “Read my lips: No new taxes!” This promise was...
SARB MPC raises repo rate to 4%
SARB decision lays a path to transition from emergency measures JACQUES CILLIERS and MAMELLO MATIKINCA-NGWENYA THE SOUTH African Reserve Bank’s decision to adjust rates is a sign of recovery in the underlying economic activity, with the mitigation of...
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PERSONAL FINANCE is South Africa’s leading monthly investment strategy magazine aimed at individuals who are serious about saving money, securing their financial future, building wealth, and preserving it for future generations.
TAX BREAKS draws from the collective wisdom of the country’s leading tax experts, helping subscribers minimise their tax bills, understand their compliance obligations, structure their affairs in a tax-efficient manner, interact with SARS, and be kept on all the latest tax issues.