Retirement planning for financial independence: exploring different investment vehicles from a tax benefit perspective

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dc.article.end-page77
dc.article.start-page1
dc.contributor.authorMthembu, Zizile
dc.contributor.supervisorBlumenthal, Roy
dc.date.accessioned2024-06-11T07:41:48Z
dc.date.available2024-06-11T07:41:48Z
dc.date.issued2022
dc.descriptionA research report submitted to the Faculty of Commerce, Law and Management. University of the Witwatersrand, Johannesburg, in partial fulfilment of the requirements for the degree of Master of Commerce (Specialising in Taxation) Johannesburg, 2022
dc.description.abstractPlanning for retirement is an important step in the lives of South Africans, whether they are employed or self-employed. The Labour Relations Act 66 of 1995, of South Africa, does not specifically prescribe the age of retirement, however the normal age of retirement for employed individuals is generally between the ages of 55 and 65 years, depending on the industry and the rules of the retirement funds involved (Western Cape Government, 2018). This study evaluates the different investment options available to the ordinary South African in planning towards his or her retirement. It focuses specifically on three investment vehicles, namely, Real Estate Investment Trusts (REITs), retirement annuity funds and offshore endowment policies. The study examined the characteristics of these investment vehicles, the tax benefits available, the risks involved and how to use those returns to ensure a financially independent and sustainable life during retirement
dc.description.submitterMM2024
dc.facultyFaculty of Commerce, Law and Management
dc.identifier.citationBlumenthal, Roy. (2023). Retirement planning for financial independence: exploring different investment vehicles from a tax benefit perspective [Master’s dissertation , University of the Witwatersrand, Johannesburg]. WireDSpace. https://hdl.handle.net/10539/38629
dc.identifier.urihttps://hdl.handle.net/10539/38629
dc.language.isoen
dc.publisherUniversity of the Witwatersrand, Johannesburg
dc.rights© 2022 University of the Witwatersrand, Johannesburg. All rights reserved. The copyright in this work vests in the University of the Witwatersrand, Johannesburg. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of University of the Witwatersrand, Johannesburg.
dc.rights.holderUniversity of the Witwatersrand, Johannesburg
dc.schoolSchool of Accountancy
dc.subjectReal Estate Investment Trusts (REITs)
dc.subjectRetirement Annuity Funds
dc.subjectSouth Africa
dc.subjectTax planning
dc.subjectRetirement planning
dc.subjectFinancial independence
dc.subjectTax incentives
dc.subjectoffshore endowment policies
dc.subjectUCTD
dc.subject.otherSDG-8: Decent work and economic growth
dc.titleRetirement planning for financial independence: exploring different investment vehicles from a tax benefit perspective
dc.typeDissertation
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