{
  "id": 1440688,
  "title": "FINANCIAL WELLNESS COACH: Turning property proceeds into a tax-efficient retirement income",
  "url": "https://urgent.news/2026/08/17/financial-wellness-coach-turning-property-proceeds-into-a-tax",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-08-17T07:16:50.000Z",
  "source": {
    "name": "Daily Maverick",
    "slug": "daily-maverick",
    "url": "https://www.dailymaverick.co.za/article/2026-08-17-turning-property-proceeds-into-a-tax-efficient-retirement-income/"
  },
  "original_language": "en",
  "account": "When you own multiple rental properties, your estate can become quite valuable, leading to significant estate duty and executor's fees for your family. If you recently sold a property for R10 million and aim to invest the funds tax-efficiently to supplement your pension, you may want to explore using a disallowed retirement annuity (RA) and section 10C for tax-free income. This strategy can help reduce both estate duty and executor's fees, making it an effective tool for those with substantial capital, accessible savings, and long-term retirement income needs. However, before proceeding, it is essential to consult a qualified financial adviser who can conduct a proper cash-flow, tax, and estate analysis to ensure this strategy aligns with your specific circumstances.",
  "summary": "You can never escape the taxman entirely, but you can use clever investment strategies to avoid your estate owing big chunks of money.",
  "key_points": [
    "Multiple rental properties can create valuable estate.",
    "Disallowed retirement annuity (RA) strategy reduces estate duty.",
    "Consult financial adviser for tailored analysis."
  ],
  "editors_take": "Using a disallowed retirement annuity and section 10C can help reduce estate duty and executor's fees for those with substantial capital and long-term retirement income needs.",
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}