Previously know as Questions and Answers, The Investor deals with general investment questions put forward by its readers and offers other useful advice. It is available free of charge by email each week by inputting you email address on our home page. Back-issues from January 2012 and onward can be found here in PDF form. From before January 2012 to 2009, you will have to send an email to support@rcis.co.za requesting a specific copy. Before that they were not available as PDF.

While Richard Cluver makes every effort to reply in this column to all email queries, it is not always possible to immediately reply to every one, particularly to those that might not be of general interest to all readers or which might require a long and complicated response.

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The Investor May 2019

By Richard CluverOver half of all the income tax collected in 2018 came from just 5 040 449 South Africans out of a total population currently estimated to number 57 398 421. Putting that into understandable numbers, 8.8 percent of South Africans paid half the income tax collected while just 109 783 or 1.5 percent of taxpayers who earned […]


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The Investor April 2019

30 April 2019Building a retirement portfolioBy Richard CluverIdeally the creation of a retirement portfolio should begin on the first day you start work and, in many cases, even earlier based upon saved birthday gifts. In the case of my own children, it began even earlier than that with pocket money every Saturday morning before they […]


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The Investor March 2019

March 19                                  By Richard Cluver This month South Africa woke up to reports of the latest Morningstar awards, a self-congratulatory event in which members of the unit trust industry set out with great fanfare to reward themselves for the […]


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https://ggc-mauldin-images.s3.amazonaws.com/uploads/newsletters/Image_4_20190222_TFTF.png The Investor February 2019

By Richard Cluver If you are, dear reader, as perplexed and mournful about the state of the South African economy as most I have spoken with this past week and, judging by their conversations, now seeing our situation as insoluble, then know that you are probably in a majority who are arguing once again that […]


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