The Retirement Tax You're Paying by Accident | Investonline Insights

A retirement portfolio can be well invested and still lose unnecessary money to tax because income is drawn from the wrong accounts, cash sits in the wrong place or offshore assets are structured poorly. In this Investonline Expert Insights webinar, Stuart Dyer and Jannie Smit work through a practical retirement case study to show how different investment structures can affect tax, retirement income and estate outcomes. They cover income splitting between spouses, Section 10C excess contributions, asset location, offshore wrappers, US situs rules and federal tax exposure, capital gains tax and estate planning. Topics covered in this session: 00:00 Introduction 01:08 What we will cover 02:43 Retirement case study: John and Jane 07:24 Using both spouses to improve tax efficiency 09:07 Restructuring cash and fixed deposits 11:02 Section 10C and excess retirement contributions 14:15 Asset location: where different investments should sit 16:49 Offshore investing: feeder funds, direct shares and wrappers 20:18 US situs tax exposure for South African investors 24:03 Offshore capital gains tax and the exchange rate 27:03 Estate duty, executor fees and capital gains tax 29:06 The overall impact of restructuring the portfolio 30:17 How better structure affects long-term retirement capital 31:51 Four key lessons from the case study 33:19 Investonline services and financial planning 35:26 Q&A - When retired and receiving income from a living annuity, should you use discretionary funds to make further retirement annuity contributions? 36:59 Q&A - How does Section 10C work when taking a larger tax-free amount or retaining excess contributions? 40:05 Q&A - What is the most tax-efficient way to invest a sizeable inheritance while keeping it accessible? 41:15 Q&A - Which tax decisions should be made before retirement and which can wait until retirement? 43:39 Q&A - How should investments be split between retirement funds, discretionary investments and tax-free savings accounts? 45:00 Q&A - Are endowment policies effective for reducing tax in retirement and estate planning? 47:44 Q&A - Which estate planning and beneficiary strategies can help preserve wealth for heirs? 49:47 Q&A - How does holding US equities directly offshore affect estate duty? 51:34 Q&A - Does Investonline offer a retirement tax evaluation service? 52:44 Contact Investonline for an introductory meeting 📝 Register to attend our upcoming webinar - https://www.investonline.co.za/webinar/ 🌐 Visit us at https://www.investonline.co.za to explore our services or book an introduction meeting. 🔢 Try our Retirement Calculator https://www.investonline.co.za/calcul... 🌍 Serving clients across South Africa and abroad ☎️ 021 001 2323 📧 info@investonline.co.za 💡 For more insights Visit the Investonline Insights library for expert webinars and commentary designed to help you elevate your retirement and investment strategies. Subscribe for future episodes and updates. Disclaimer: Investonline is a registered Financial Services Provider 40592. This webinar video is for educational purposes only and does not constitute personalised financial advice. Please consult with a qualified planner to discuss your unique situation. Work. Wisdom. Wealth. #investments #retirement #retirementplanning #estateplanning #wealth