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Topics - jonb

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Shares / TAX Efficient options for cash
« on: January 13, 2020, 02:48:12 pm »
Hi All

Been a while since I have been on here! hope all the OG's are alive and kicking  :TU:

I sold a property earlier last year (perfect timing!) and been sitting with the money in cash / My tax guy just told me though that the interest earned will be taxed 45% along with my standard monthly earnings!

So, in essence, that means if a money market fund was belting it and giving you 8% you only just actually getting over 4%

Hoping for some thoughts on these options

1. Buy another property and live in it (don't own property and am currently renting, not sure if I will always live in SA hence wanting liquid but can always let out)

2. I have already used my 209 and 2020 offshore limit, so get a tax clearance and move this cash offshore and slowly feed into a portfolio based in USD ( this portfolio is around 5 years old and pretty well-diversified)

3. Put in in a Satrix world ETF for easy management (easiest option)

4. Keep in cash! (after tax its like 4% max  :-[

I appreciate any thoughts on this!

Shares / TFSA
« on: February 20, 2018, 10:18:36 pm »
Is anyone else not feeling great about TFSA results on the ETF route?

I have the sygnia world ETF and prop trax 10
With a blend of STX ind  ... I have had full allocation since TFSA started

All in thirds

Apart from stxind its all been pretty weak especially since the rand has strengthened ( cons of an SA based offshore product! )

I wonder if anyone has had any experience with a managed lowish cost fund under TFSA that they the happy with ?

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« on: December 26, 2017, 09:14:24 pm »

So I have stood on the sidelines for a few years and as you would imagine in hindsight would want to kick myself. Every single Crypto success story has normally sent that warning bell ringing " If its to good to be true it normally is" I, however, am starting to think that we are in the midst of a financial revolution here and would like to slowly become part of this.

So step one:

Account opened on Luno

Account opened with Bitstamp

Account opened on Poloniex

Plan now is to get some Bitcoin on Lumo and shift some to Bitstamp for a split on the top Coins and then use Poloniex for some of the smaller Altcoins

Linked up with some pretty serious groups online for signal purposes and keen to just give it a bash

Sure a number of you all on here are already deeply involved or at the very least curious.

Is anybody keen to get a group going here to start the journey?

« on: June 08, 2017, 02:35:59 pm »
HI guys

I moved 90% of my portfolio offshore some years back while residing in the EU. Coming back to SA recently & having an income paid in ZAR I have decided to once again build a portfolio of SA stocks

I do have a TFSA and consider that in a different field and slow burner with just DBXWD and STXIND going since the start

Just wanted to get some feedback from the form of thoughts on strong robust companies one should investigate adding to a rescission proof / politics proof portfolio!

Some of the names in consideration at the moment


Would be great to hear opinions of companies that for long term will continue to motor through the tricky SA economic environment!!

The other option is to keep shifting $$$ over to US and going direct that side, but am of the opinion that we have some real Gems here with strong management and potential

Shares / Late to the Resi Party !
« on: February 13, 2017, 10:17:52 pm »


BIL - 1YR RETURN 51.60%

I could go on but sure it's agreed that toward the last of 2016 resources had a great run. It doesn't look to be slowing into 2017 albeit a bit more volatile

What is the best way to have "broad" exposure to the market in one's portfolio if you really have no idea on solid stocks? I did some gold shares ( ANG )  over 2016 which was great and pure luck had my timing perfect however not prepared to risk that twice  :))

STXRESI seems to have most covered from an ETF perspective although BLT takes up 30%! ( similar to Naspers in the STXIND ) while  S&P GIVI RES 15 has a somewhat wider balanced offering

Anyone in either of these or have any other suggestions for some exposure to this sector?

Much appreciated!

Shares / Good time to take R out to $ ?
« on: December 06, 2016, 12:14:13 pm »
Just wanted to get a feel from you guys on shifting some cash out of SA offshore

I did a good majority of portfolio 2 years back however leaving a portion here in SA and to be honest its been extremely flat vs. returns in US

Also, rand seems strong at moment so not a bad time to shift ?

Be great to see a current view on this

No brainer OR rather wait till after xmas rush as everything quite down at the moment!?

Shares / STXIND ... any thoughts
« on: November 21, 2016, 03:49:54 pm »
i heard all the warnings on this one throughout the year. Naspers having 30% or more on this fund. Thing  is I have only held this for over a year so its been bleak :wall:

I have been looking onto the DIXTRAX etf and aiming at moving here

Not a fan of switching and moving around

but keen to get anyones opinion on future of STXIND?

Anyone feeling this

« on: October 10, 2016, 01:57:37 pm »
Hi All

a real investor 101 question here!

For SA portfolio I am using Easy Equities portfolio and from what i can gather it is not possible to reinvest dividends

This means when I reinvest myself I pay more costs which in the long run costs the investor more and you lose the compounding effect

Does anybody have a way around this ? are there any investment products which automatically reinvest all dividends?

Shares / DIVTRX vs. CWE40
« on: October 07, 2016, 05:20:17 pm »
I have CWE40 in my LT TFSA as the SA market play ( offshore is in DBXWD )

I have been looking at swapping CWE40 out to DIVTRX

does any body have an opinion on this?

« on: August 29, 2016, 05:27:38 pm »
I have been living in The Netherlands for the past 4 years and whilst here set up an account with a local bank and built a share portfolio on a Netherlands bank platform accesing US stocks + ETFs

I hold dual citizenship ( UK and SA )  and currently am on a tax ruling in The Netherlands which exempts me from paying tax on gain and dividend earned

The kicker  ;D

I am planning to move back to South Africa ( apart from the general consensus, I am pretty positive on the future on SA and despite what anyone says, there is no place like Home! )

I really enjoy this platform and would like to continue transacting through it when back in SA

My question is what tax implications exist with this setup? Both in The Netherlands and back home in SA

Considering the UK Passport ... does anyone have any idea on this topic  :wtf:

Shares / GOLD SHARES more specifically ANGLO GOLD ASHANTI??
« on: August 16, 2016, 01:31:35 pm »
So ANG reported recently and from my basic layman understanding it all looked rather positive ? They even set to possibly resume paying a dividend early 2017. Yes there was some concern on Obuasi gold mine with illegal miners but overall really positive

why then is the stock taking a massive pounding over the past two days   :wtf:

Would love it if someone could help me understand that one!

Never a fan of Gold shares to be honest from what I have heard... but this was part of a momentum play in my portfolio for this year and was the only stick to be honest that was smashing it ... until now!

I get the exchange play with stronger rand however this is directly linked to the report recently which looked positive!?

Shares / BTI ..... what to do what to do!
« on: August 08, 2016, 10:56:55 am »
so BTI has been the darling of my SA portfolio for some years

I have always told myself I would keep an eye on it though as personally i feel because of legislation and some other key factors , the movement ahead might be choppy... also Brexit smashed it a bit

The last 3 months though


Is anyone holding on and thinking this is a buy opportunity to stock up ?

« on: August 01, 2016, 05:15:10 pm »
For some reason I have been looking at putting a small 10% element of bonds into my TFSA

Looking at Ashburton Inflations ETF or Newfunds Govi

Anyone have any opinions on those two or on including bonds into TFSA as a solid building block ?

Shares / DBXWD vs. DBXUS
« on: July 12, 2016, 10:18:46 am »
been thinking of this one for some time

Does anyone have any opinions here? Its seems once again DBXUS has been the better performer

Has anyone switched out from WD to US?

If so what is your long term thinking

Shares / Strong ZAR = offshore opportunity ?
« on: July 12, 2016, 10:15:45 am »
Is anybody taking advantage of string rand and moving money out

$ or even more attractive Euro

Would be great to hear some opinions!

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