Recent content by fire2029

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    Standard Bank uCount

    Yeah is this thing new? Same as signature banking?
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    Standard Bank uCount

    Anyone know what this is about? Change of rules? UCount Rewards: Please note that important changes to the programme rules* will come into effect from 16 Sept. 2025. Please look out for an email from us for full details of the changes. *T&Cs apply. Queries? Call 0860 82 68 68.
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    Standard Bank uCount

    Out of interest what kind of money are you getting back from rewards
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    Standard Bank uCount

    Checkers 60 making a lot of difference
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    Standard Bank uCount

    How much do you get back on fuel? R10 or R5
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    Evil landlord & RAs...

    New product idea ! -8% fee RA! Yes a negative fee RA. Just go 100% interest bearing. Who's in?
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    Evil landlord & RAs...

    Zero cost RA with interest bearing funds? I don't follow
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    Evil landlord & RAs...

    Anyone ever ran the calculation of by much your offshore investment taxable account would have to outperform your RA to equal the tax benefits?
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    Evil landlord & RAs...

    Is this on the AG Lisp/platform?
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    Evil landlord & RAs...

    So...would you add 0.12-0.18 on top of the 1.04%?
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    Evil landlord & RAs...

    I think the trick I was missing was the tax savings/refunds; which allow me to contribute more to an RA?So even if at retirement my investment is taxed at the same rate, the additional tax savings more than make up for it...?
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    Evil landlord & RAs...

    I mean could you theoretically allocate maximum offshore exposure 45% now. Lets assume ffshore conitnues to outperform ...at what point do they ask you to rebalcen to be in line with reg28 offshore limits?
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    Evil landlord & RAs...

    How often do they ask you to rebalance so you comply with Reg28 allocations?
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    Evil landlord & RAs...

    What if tax is exactly same? Is it still beneficial?
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    Evil landlord & RAs...

    Lets assume 1. a R1m investment. 2. a 40% tax rate; which stays the same throughout. 3. the returns are the same for any investment. For arguments sake a global 10% return regardless of your investment. Choice 1=Pay tax now & no tax later => R1m x (1-40%) x ^ 10 years to retirement Choice...
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