Richard Carter
Articles by Richard Carter
Resisting the lure of the two-pot cookie jar this festive season
With the festive season underway, consumers may be considering using their two-pot retirement savings component to splurge.
Taking stock of two-pot: A trustee’s perspective
All South African retirement funds have been impacted by the recent introduction of the two-pot retirement system.
Navigating a changing retirement savings system
The finer detail may remain unclear for the moment, but National Treasury’s proposed retirement reforms have largely been welcomed by the retirement savings...
Corporate governance and shareholder responsibility
What is the role of a shareholder and where does their responsibility end? Listen to this 10 minute interview with Andile Khumalo on PowerFM as Richard Carte...
Protect your buying power by investing offshore
We are all fixated on the rand-dollar exchange rate and what it will do next, but does it really affect our day-to-day? And what can you do about it? Listen ...
Invest for your child’s future today with a tax-free investment account
For most parents looking to make a long-term investment on behalf of their minor children, a tax-free investment account is an option worth investigating....
How can I earn higher returns and pay less tax?
Tax has a significant impact on the returns of your investment. If, like most of us, you would like to see more return in your account and less in the hands ...
What you need to know about the retirement fund changes
National Treasury is making changes to retirement legislation to encourage investors to save more for their retirement and to improve the alignment between t...
Welcome amendments to retirement reform
The retirement reform amendments contained in the Taxation Laws Amendment Bill, which will come into effect on 1 March 2016, are a positive step by Treasury ...
Presenting the Allan Gray Tax-Free Balanced Fund
We are excited to announce the launch of the Allan Gray Tax-Free Balanced Fund. This new unit trust will be managed in broadly the same way as our flagship...
Delays to retirement reform shouldn't mean delays to your retirement savings
In Quarterly Commentary 1, 2013 we wrote about retirement reform, discussing how the changes would affect existing and potential retirement fund members. Fas...
Regulatory update: Get up to speed before year-end
There is a lot going on in the regulatory space. Between retirement reform, on the one hand, and the so-called ‘Twin peaks’ model of financial regulation on...
Accessing foreign investment opportunities
South African foreign exchange controls limit the amount unit trusts can invest overseas to 35% of retail assets under management, collectively. Available...
Retirement reform: How will the changes affect you?
With a very small percentage of South Africans able to support themselves financially in retirement, Treasury has been taking a thorough look at retirement...
Make sustainability a priority when planning your retirement income
Over the last 20 years pension funds have increasingly passed the responsibility for generating income after retirement on to retirees and insurers, rather...
Planning for income post retirement
If you are knocking at 60's door and fall into the small minority of South Africans who have saved enough to retire comfortably, you may be planning your...
Living annuities for life
Living annuities need to provide an income stream for life. This means that the asset allocation in your living annuity investment should be aimed both at...
Launch of the Allan Gray-Orbis Global Optimal Fund of Funds
Allan Gray introduced its third rand-denominated offshore fund on 1 March 2010 bringing the total number of unit trusts to nine. The Allan Gray-Orbis Global...
