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Trusts as mechanisms to protect your wealth - Crue Invest
In an ever-changing financial environment, many people seek the security of their assets. From protecting their assets from creditors and legal obligations to reducing future tax liabilities the role of a trust may prove valuable. This article unwraps the role of trusts in asset protection, various considerations before establishing a trust, and how a trust may aid your financial planning.
Questions to ask yourself before you retire - Crue Invest
A good retirement plan should take years rather than months to design. In the five years leading up to formal retirement, key decisions regarding living arrangements, healthcare and expenditure need to be made to ensure that the final plan is workable. To ensure that your retirement plan is sustainable, consider […]
Estate planning mechanisms to maximise transference of wealth - Crue Invest
Effective estate planning involves making full use of the mechanisms available to you when structuring your affairs and planning the transference of wealth to your loved ones. Like a cog, an estate plan has many moving parts that must work together to achieve a pre-determined set of succession goals. In this article, we explore several useful estate planning mechanisms to assist in the smooth transfer of wealth.
These things can rob you of your financial peace of mind - Crue Invest
Numerous studies have demonstrated a cyclical link between financial worries and mental health problems such as depression, anxiety, and substance abuse – with higher rates of mental health issues appearing in those who are heavily indebted. In this article, we explore a number of factors that can cause sleepless nights when it comes to money and finances:
Death and the joint estate - Crue Invest
Where a couple is married in community of property, they effectively own a joint estate in equal, undivided shares. What many couples don’t realise is that, on the death of the first-dying spouse, the entire estate is wound up which could have unintended consequences for the surviving spouse. In this article, we take a closer look at the process of winding up a joint estate.
Your options for investing offshore - Crue Invest
Most investors seek offshore investment opportunities to improve diversification, provide for future liabilities or seek alternative market conditions that are not available locally, and there are a number of ways to achieve these goals. Let’s unpack.
When aging parents can't manage their finances: A guide for families - Crue Invest
As individuals grow older, they often face mental or physical challenges that hinder their ability to handle finances. Elderly individuals, especially those with diminished mental capacity due to illnesses like dementia or Alzheimer’s, can become susceptible to financial exploitation and investment scams. Conditions such as stroke, certain cancers, or general […]
Key considerations for indirect offshore investing - Crue Invest
Knee-jerk reactions to bad news or uncertainty are never optimal, especially when it comes to investing – and negative sentiments or fearmongering should never be the catalyst for taking one’s wealth offshore. If you would like to incorporate offshore exposure in your investment portfolio investing indirectly through a local investment platform, here’s what to know.
Maximise your tax-free investments this tax year - Crue Invest
While the tax benefits of tax-free investments are indisputable, a tax-free investment should be viewed as part of your overall investment portfolio to ensure that it is achieving its purpose. Here are 10 ways to ensure your tax-free investment works for you.
Life and living annuities in the context of your estate plan - Crue Invest
While both life and living annuities are designed to provide retirees with an income throughout retirement, their respective functions in the context of estate planning are vastly different – and it’s important for policyholders to understand these differences to ensure that one’s estate planning goals can be achieved. In this article, we unpack how each type of annuity is dealt with upon the death of the policyholder.
How to set your business up for success - Crue Invest
When setting up your business, deciding between a sole proprietorship, partnership, or private company is crucial, each carrying distinct pros and cons. Picking the right structure for your venture demands careful evaluation. Factors to weigh include:
Estate planning: Crafting a legacy for your minor children - Crue Invest
Creating an estate plan is essential if you intend to leave assets to minor children. In this article, we take a closer look at how you can safeguard the intended inheritance for minor children taking into account the type of assets, beneficiary nominations, trust options and associated legislation.
Financial advice for first-time property owners - Crue Invest
Navigating the world of property and property finance for the first time can be daunting, especially when it comes to applying for finance and securing the most favourable interest rate. In this article, we provide some useful advice for first-time home buyers.
7 financial solutions to consider in your portfolio - Crue Invest
Putting financial solutions in place should be part of a carefully designed strategy. Each solution or product should serve a pre-determined purpose in your wealth creation strategy. As US investment guru Peter Lynch is famous for saying: ‘Know what you own and why you own it’. Here, we explore the mechanisms of seven financial solutions, who needs them, and what to know before implementing.
Financial planning for couples with a large age-gap - Crue Invest
According to research, large age-gap marriages have a greater chance of failing because each spouse is generally at a different life stage psychologically, emotionally, and financially. These complex family dynamics give rise to a special set of financial planning considerations which should be considered as early in the relationship as possible.
These things can rob you of your financial peace of mind - Crue Invest
Numerous studies have demonstrated a cyclical link between financial worries and mental health problems such as depression, anxiety, and substance abuse - with higher rates of mental health issues appearing in those who are heavily indebted. In this article, we explore a number of factors that can cause sleepless nights when it comes to money and finances:
Tax in your estate plan - Crue Invest
Understanding the interplay between tax and your estate plan is important to ensure that your estate does not mean with difficulties in the administration process. The strategic integration of tax planning in the context of estate planning is a cornerstone for the effective transference of wealth. In this article, we take a closure look at tax in the context of your estate plan.
Consider the following before accepting a job offer - Crue Invest
While salary is always an important factor, there are a range of accompanying finances that should be taken into account when contemplating a job offer. The employment offer in its entirety should be scrutinised through a discerning lens to ensure that you fully understand the economic consequences of accepting the offer. Here’s what to consider.
The unique financial planning needs of blended families - Crue Invest
The majority of families in South Africa now include a blend of people related by blood, through adoption, bound by marriage (same-sex or heterosexual), or part of a non-marital union - and planning for the financial needs of such can be complex. In this article, we explore the unique financial planning needs of blended families.
The roles and responsibilities of your trustees - Crue Invest
If you intend setting up a trust, do not underestimate the importance of choosing appropriately skilled trustees to manage the trust assets, keeping in mind that the job a trustee is an onerous one that should not be taken lightly. Here's what to know.
Maximise your tax deductions before year-end - Crue Invest
As we head towards the end of the 2023/2024 tax year, now is an opportune time to make sure that you’ve taken advantage of the available tax breaks available to you so as not to leave any ‘free money’ on the table. Here are four ways you can maximise your tax deductions for this year:
5 effective uses for a trust - Crue Invest
The type of trust that you choose to set up depends primarily on the objectives, but also on the type of assets you intend to transfer to the trust, the age and nature of your beneficiaries, and your anticipated time horizon, amongst other considerations. In this article, we explore five scenarios in which a trust can be used effectively as an estate planning tool.
The role of a testamentary trust in your estate plan - Crue Invest
A testamentary trust, being the most commonly used trust in South Africa, is set up in terms of your last will and testament to house assets intended for those who are incapable of managing their own financial affairs, such as minor children or those with disabilities. In this article, we take a closer look at the value a testamentary trust can play in your overall estate plan.
The role of an RA in one's investment portfolio - Crue Invest
While the long-term benefits of investing through a retirement annuity should not be underestimated, there’s a lot more to this retirement funding vehicle that investors should be aware of. In this article, we explore the many benefits of a retirement annuity and how to maximise these benefits in your investment portfolio.
Retirement annuities: 10 things worth knowing - Crue Invest
From tax advantages and disciplined savings to investment growth potential, retirement annuities can be effective for housing one’s retirement funds. There are, however, complexities to be navigated when investing through a retirement annuity, some of which are unpacked below.
Here's why you need an estate plan - Crue Invest
An individual's estate encompasses all the assets and liabilities amassed over their lifetime – and while estate planning is often perceived as preparation for end of life, the reality is that it has a vital role in planning in strategically structuring and managing assets during one’s lifetime.
A guide to offshore investing - Crue Invest
When local outlooks are negative and bad news abounds, it is only natural for investors to look elsewhere for investment opportunities. Most investors seek offshore investment opportunities to improve diversification, provide for future liabilities or seek alternative market conditions that are not available locally, and there are a number of […]
Choosing a marriage contract: Know the financial implications - Crue Invest
Your marriage contract can be one of the most important financial documents you will ever sign as it sets out the financial consequences of your future relationship and getting it wrong can create financial difficulties when your marriage comes to an end. When choosing a marriage contract, consider the following: […]