Recent content by lebyarules

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    Investing money to be as tax free as possible

    I hear you — short-term moves can make any fund look amazing or terrible. That’s exactly why I wasn’t focusing on this year’s returns at all. CAGR over a long period is what actually matters, and that’s where the active fund still outperformed the passive one even after fees. I’m not saying...
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    Investing money to be as tax free as possible

    Totally agree with platforms not making it easy to find fact sheets. I’ve got another bizarre (and fascinating) example: Satrix RESI Passive Fund – 0.43% fee, 8.29% CAGR (2006–2025) Nedgroup Mining Active Fund – 1.99% fee, 13.77% CAGR (1999–2025) All fees included. Isn’t it interesting...
  3. L

    Investing money to be as tax free as possible

    I agree with you to a certain extent — a low-fee, broad-based ETF can be a solid core. MSCI World (2008-2025) at ~11.88% CAGR shows why people use it. But why stop there? Why not go deeper and add a satellite that actually beats the index? For example, EasyEquities Global uses proprietary...
  4. L

    Nedbank Greenbacks

    Hi is the greenbacks worth it in 2025? how much did some of you guys get back in previous months? is the unit trust still the best way to spend greenbacks?
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    Future Forex! anyone using them?

    So hows it going so far?
  6. L

    Investing offshore in AUD

    Hi All i really want to invest in AUD ASX200 and then ZAR S&P500. there is a ton of info on investing offshore in USD etf but i cant find much on AUD etf. Is there any difference between these two? capital gains tax or double taxation agreement? The threshold for USD estate duty is $60 000 but...
  7. L

    Income Distribution fund vs Accumulated fund

    thanks 3wa may the only pain in your life be champagne :)
  8. L

    Income Distribution fund vs Accumulated fund

    thanks 3wa. let me ask you this though, if you were to open two separate investment funds. one in a tfsa wrapper and another without the tfsa wrapper, which fund would you put in the tfsa? 1. accumulated fund 2. distributed fund assuming both are high risk and index tracking. :)
  9. L

    Income Distribution fund vs Accumulated fund

    Hello i cant find much info on funds where income is accumulating vs those funds that distribute within a TFSA. which of these is better in a TFSA? Is there any difference? if you take out a fund like msci world index in a TFSA you would not have to pay tax on distributions and cgt. if you take...
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    Samsung tv wont start up in hdmi1

    Hey all I have a samsung serif tv and dstv. When I turn the tv on, you have to also click "power on" to turn on hdmi1. This is such a pain, I want the tv to be able to start in hdmi1 automatically and never turn the dstv off. I have played in settings. Turning hdmi cec on and off. Turned on...
  11. L

    TFSA only qualifies under the name?

    yes, google says An IT3(s) is a Tax Certificate received from an institution such as a bank or financial services institution. It is a summary of all the details of your Tax Free Savings account for the year (eg. interest, dividends, etc) that you will require when you complete your Tax Return.
  12. L

    TFSA only qualifies under the name?

    that makes sense, i had just called it an umbrella instead of a wrapper. the problem i had, i could not remember if i selected a TFSA unit trust as i was ill at that time. i only have a it3(b) and it3(c) but no it3(s). looks like i am needing to start a TFSA asap. thanks :)
  13. L

    TFSA only qualifies under the name?

    Hello all Could someone assist with the Tax free investment accounts and the other investment accounts. i have read a few things that have confused me. My banker seems confused too. example on nedbank. you can create a TFSA in a unit trust called core diversified b. However, you can also...
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