Q&A: Saving Millions in Retirement Tax, Reg 28 & TFSA Secrets
From Solving The Riddle Podcast · 26:29
Show by Alec Riddle & Andrew Whitewood
In this Q&A episode of Solving the Riddle, hosts Andrew Whitewood and Alec Riddle answer listener questions on cutting tax liabilities and optimizing wealth. They unpack spousal tax strategies, TFSA traps, Regulation 28 limits, offshore situs taxes, and SARS rebates. Key Topics Covered:• Spousal Tax Strategy: Draw income across both partners to cut tax rates and save up to R20M in retirement. • TFSA Pitfalls: Avoid bank cash accounts, use equity-focused portfolios and beneficiary nominations for higher growth. • Regulation 28: Understand pre-retirement asset caps and how living annuities post-age 55 can improve returns. • Offshore Situs Tax: Avoid losing up to 40% of foreign assets to US and UK inheritance taxes. • Investment Wrappers: Lower capital gains tax rates and streamline estate payouts. • RA Super Boost: Capitalize on annual SARS tax rebates to instantly increase your yield. • Section 10C: Use disallowed retirement contributions to draw tax-free income and lower estate duty. Connect & EngageFollow us: Hit follow on Apple Podcasts, Spotify, or your favorite podcast player so you never miss an episode.Have a Question? Leave a comment or send us your questions for our next Q&A segment.Share: Know someone who wants to optimize their retirement plan? Share this episode with them! Follow our personal accounts:@alecriddle @andrewwhitewood THE INFORMATION SHARED IN THIS PODCAST IS FOR INFORMATION PURPOSES ONLY AND DOES NOT CONSTITUTE FINANCIAL ADVICE IN ANY WAY OR FORM. IT IS IMPORTANT TO CONSULT A FINANCIAL PLANNER TO RECEIVE FINANCIAL ADVICE BEFORE ACTING ON ANY INFORMATION SHARED.
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