COVER STORY

Features

14 NFTs: what are they and should you invest in them? Explore the ethereal world of non-fungible tokens.

18 Five lessons from 50 years of investing in real estate

Tips from a seasoned institutional investor.

22 Keeping the banking industry in check

How the banking ombud serves to protect consumers.

26 Retirement funding: Is SA as bad as we think?

Comparing our efforts and structures with other countries.

30 Giving from a distance – the problem of funding good causes in Africa

Why smaller African NGOs are not getting the money they need.

34 Can crypto assets be transferred offshore? Watch out for the Reserve Bank’s exchange control regulations.

The mobile money revolution

Using your cellphone to effect money transactions will soon be the norm in South Africa, as it already is in some other African countries.

36 CGT on transferring dual-listed shares to an offshore exchange Recently-introduced legislation applies to transfers after 1 March 2021.

40 5 key investment trends to watch in 2022

Market trends accelerated by the pandemic are set to continue.

42 How to (financially) survive retrenchment Life after retrenchment may be easier if you follow some guidelines.

46 The employment tax incentive is not a success story Government’s plan to combat unemployment “has not worked”.

48 U nderstanding your financial behaviour helps you manage your money well Bank app helps you analyse your monthly expenses.

Regulars

2 U pfront Upwardly mobile

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4 Book review Books on financial topics

6 Your letters

Readers’ queries answered by experts

45 Millennial view The festive-season drain on the wallet

50 Ombud case file Insurance, advice and retirement fund disputes

52 Fund focus Coronation Smaller Companies Fund

54 On the contrary Lazy thinking or tried-and tested strategies?

Databank

55 A list of the adjudicators and the ombuds who can assist you with your complaints, followed by the unit trust quarterly results, tax rates and annuity rates