What should I do next…?

To say that the last few years for people invested in equity related investments have been tough, would be the understatement of the century. Markets have not performed well, and “flat” returns have been the order of the day. The amount of noise and bad news that we have been bombarded with has reached unprecedented…

Does Switching Make Sense?

In an environment of low returns, like we are currently experiencing, investors often scrutinise their investments a little more than normal. The natural process is to look at your performance and then ‘look over your shoulder’ at what others have achieved. A whole variety of (negative) emotions can be triggered if those around you have…

TRUST TO TRUST: DOES A TRUST ELIMINATE ESTATE DUTY?

Although death and taxes are certain, people are always looking for ways to minimise taxes upon death. In certain instances, people are not even aware of the tax consequences upon death. They may have to pay in excess of 30 percent in costs and taxes – capital gains tax, estate duty and executors fees. If…

Seed Weekly – 2018 – Final Countdown

While we are comfortably settled into the month of October it is of no surprise that shopping malls have already started displaying their Christmas decorations and the talk around company water coolers is leaning towards conversations of, “So what are your December plans, Jim?” Given the current economic environment, stock market and higher cost of…

WHAT TO DO WHEN SOMEONE DIES

Death is a topic we’d rather not dwell on any more than we absolutely have to. But it comes to us all, and just as we need to prepare for our own deaths by providing for our loved ones’ continued well-being with a valid will, we should be ready to deal with the various legal…

AGING EMPLOYEES: WHEN MUST THEY RETIRE?

AGING EMPLOYEES: WHEN MUST THEY RETIRE? Employers and employees: Be prepared for the record numbers of Baby Boomers now reaching their 60s. Many of them won’t want to retire for years yet, perhaps for financial reasons or perhaps because they want to keep active in their fields of expertise. That’s great if the employer agrees…