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I am lucky enough to have gotten a kick into investing younger in life. Over the past 15 years, single stocks mostly in US tech have done really well for me but as I get older I tend to just build core positions in ETFs (global) with VOO / VT and QQQ being my anchor holdings

I am now back in SA after working in the EU for several years, I have been investigating the RA option with the main objective of SA tax optimization

My question:

I'm already gratefully in a position where I have a global stock/ETF portfolio. Should I rather take the disposable income and continue building that global portfolio with the view to retiring one day and drawing as optimally as possible off of that? this way is not restricted to "having to invest" in SA and can keep building in $

Or

Bite the bullet and open an RA with one of the low-cost options directly (Sygnia being the option for me) and use that disposable income to lower my effective tax payable annually

My somewhat simplistic view is that RA's being Reg 28 compliant places some limitations on holdings which might limit returns and at best you just beat out inflation, on retirement you get some payout Tax but the living annuity is still taxed as income so you kinda paying tax anyways which in my simple mind means that initial benefit is reversed to a certain extent, just later in life!

Appreciate your views!

Hi All

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

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!

OK

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?

STXRESI - 1YR RETURN 40.70%

GIVRES - 1YR RETURN 10.32%

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!

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

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

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?

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   

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!?

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 ?