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Endowments save on taxes and executor fees

Endowments offer tax benefits to high-net worth investors with a tax rate above 30%. Consequently, they reduce the tax payable on your investment returns and minimise estate complexities and executor’s fees upon your death. Please read how an Endowment could form part of your financial plan and investment strategy to reduce taxes and executor’s fees.

4th Quarter 2021 Market Outlook

There is light at the end of the tunnel as SA rolls out the vaccinations and most the world starts to open at different paces. Consequently, the outlook for investments is looking more promising. However, markets are never smooth sailing, and we need to be aware of some of the potential bumps ahead.

SA interest rates are expected to remain low for the next two years, which is positive for equities, but negative for interest earners. Therefore, including a measured portion of equity risk into your portfolio is essential to achieve after-tax returns above inflation. Please read our 4th quarter market outlook.

Investonline Webinar 22 Sep – Watch the recording on demand

Our Investment Webinar on 22 September had a record attendance.
Dr Graeme Codrington (Futurist and Scenario Planner) presented on – Life in a post Covid world
Tiaan Herselman (Head of Advice at Old Mutual Wealth) presented on – Tax structuring in retirement

Saving and the power of compound returns

Compound returns are an exceptionally powerful financial force and are the cornerstone to successful investing. Albert Einstein famously said “Compound returns are the eighth wonder of the world. He who understands it, earns it; he who doesn’t, pays it”. We illustrate the huge benefits that are achieved by starting to save early in life and how this enhances your chances of financial security.

China’s Regulatory Changes

Recent regulatory changes in China have once again rattled the Chinese stock market and highlighted the continued risk for investors holding Chinese shares. This does not mean that investing in China is a bad idea, rather, it emphasises that an in-depth understanding of the environment is critical to extract the best risk-adjusted returns.

Inflation and achieving real returns

A critical part of saving is to ensure that your money grows above inflation to protect its value and future buying power. This is often most pertinent for retirees, where the desire for ultra-conservative capital preservation and guaranteed products often trumps investment growth resulting in net returns below inflation and the erosion of spending power.

The digital age of financial planning

Investonline continues to provide investors with new and innovative ways to manage their financial plan online while engaging with our team of professional Client Portfolio Managers. Our state-of-the-art financial planning tools assists clients to create their plans through video meetings and screen-sharing technology. This enables investors to have an interactive and ongoing financial planning experience from the comfort of their own home or office.

3rd Quarter 2021 Market Outlook

As South Africa continues to battle with a third COVID 19 wave, we address the challenges facing investors and share our views on how best to navigate these uncertain times.

Understanding Living Annuities

As you get closer to your expected retirement date, one can often be overwhelmed by information and have difficulty making important retirement decisions. Certain decisions include selecting how much to draw as a lump sum, choosing the right product, how much income to draw and where to invest your retirement savings. We have detailed the key attributes of a living annuity and answered some important FAQs such as the difference between a living annuity and other retirement products. 

The Importance of a Financial Plan

Having a comprehensive financial plan provides you the best opportunity to achieving your life goals and long-term financial security. We address 10 key areas to be included in your financial plan and how to compile one.

Calculate your retirement needs

Calculate my income in retirement
Calculate how much to save for retirement
How old are you?
How old are you?
What is your life expectancy?
What monthly income (pre-tax) do you currently require?
What is the total of your current retirement savings?
How old are you?
At what age do you want to retire?
What is your current monthly income?
What percentage of your current income will you require at retirement?
How much have you already saved for retirement?
How much can you contribute per month?
By how much can you increase your monthly contributions per year?

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Calculate my Retirement Needs

Calculate my income in retirement
Calculate how much to save for retirement
How old are you?
What is your life expectancy?
What monthly income (pre-tax) do you currently require?
What is the total of your current retirement savings?
How old are you?
At what age do you want to retire?
What is your current monthly income?
What percentage of your current income will you require at retirement?
How much have you already saved for retirement?
How much can you contribute per month?
By how much can you increase your monthly contributions per year?