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Tax Free Savings Accounts

  • Is a Tax-Free Savings Account (TFSA) really a no-brainer investment?
  • Tax Free Savings Accounts (TFSAs) are one of the most underappreciated investment vehicles in the country. So, it's rather difficult to understand why most people still don't use them. They're one of the only tax efficient vehicles that come with almost no negatives. What is a TFSA? It’s an investment vehicle in which all income or growth on investments held inside are tax-free. This includ... ››› more
  • [04 February 2022]
  • How to pay less tax
  • As the old saying goes: “There are only two certainties in life, death and taxes.” So, when you can avoid either, you should take it. Just as you'd grab hold of a lifesaving medical treatment, so you should jump on any opportunity to reduce your tax burden. The South African government gives you very few opportunities to reduce your tax burden compared to other countries. But two of the sim... ››› more
  • [04 February 2022]
  • If you've never invested before - this should be your first step
  • So, you spend less than you earn and you're putting some savings in the bank each month? Truth is - your money in a savings account isn't doing anything for you with how low interest rates are right now… Perhaps you've considered investing - but you've been unsure about where to start? Here's what you need to know… ________________________________________   Get starte... ››› more
  • [22 July 2021]
  • Do this now and Januworry will never mess with you again
  • Can you believe it's ‘Januworry' again? I honestly think there's nothing worse than the point when your bank account tells you, you had just a little too much fun over the December holidays. Thankfully, 2020 could be the very last January you ever feel this way - IF you make this pre-emptive strike today.   ________________________________________     The man who bo... ››› more
  • [16 January 2020]
  • I have R6,000 and want to start investing - but I know NOTHING of shares
  • I received a letter from Louis recently: “Hi Francois,   I have saved R6,000 in the last six months, and while I want to continue this savings I want my money to start growing as well.   I realise I won’t necessarily make thousands from the get-go, but I want to become more knowledgeable about investing, and start making money for my retirement one day.   I want... ››› more
  • [08 March 2018]
  • Tax Year End: What you absolutely must do before 28 February 2018
  • Tax year end is fast approaching. This means, next week Wednesday, your tax breaks for the 2017/2018 year will expire. Fortunately, it's not too late to maximise all your benefits before you lose them. But don't worry, because today I'm going to show you how to do this… Three tax breaks every investor receives   As a private investor you receive three main tax breaks: ... ››› more
  • [22 February 2018]
  • ETF's are taking over the world - but are they as safe as everyone says?
  • In a recent report from ETF.com data released shows that the US have had $250 billion worth of cash inflows into ETF's during 2017 alone! According to an estimate by The New Yorker, around 20 percent of the market in the US is made up out of JUST ETF's. And “When you factor in “closet indexing”—when individual or institutional investors pursue indexing strategies without declaring... ››› more
  • [21 September 2017]
  • How to put your tax-free savings account to use for retirement
  • There isn't an easy way to prepare for retirement. You'll have to make a lot of choices along the way. If you're contributing to a pension or a retirement annuity, it's good to add some diversification by looking at other ways of saving for your retirement. And you could do this by using your tax-free savings account. Read on to find out more… Investing for retirement with a tax ... ››› more
  • [22 October 2015]
  • If you're still paying tax on your investments you're losing out big-time!
  • Do you own unit trusts, ETFs or shares? If you do, you're paying 15% tax on all the dividends you receive. You also pay 13.33% capital gains tax once you sell any of these. In fact, if you held them for less than three years you will end up paying up to 40% in income tax on them… But you don't have to. Stop paying tax on your investments today The National Treasury introduced Tax... ››› more
  • [23 September 2015]

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