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  • Independent on Saturday

    THIS FEATURE IS SPONSORED BY PSG WEALTH

    Nov 28, 2020 4 minutes

    HOW SHOULD I INVEST MY BONUS?

    It has been a tough year, but, amazingly, I am receiving three-quarters of my annual bonus. I don’t want to make any errors with this windfall. Should I put it into my retirement annuity (RA) as a top-up, or would it be better in a more accessible investment?

    Name withheld

    Richus Nel, a financial adviser from PSG Wealth Old Oak, responds: Retirement savings should be a primary focus for all individuals after ensuring they have sufficient insurance against illness, disability or death. Many individuals find retirement capital irresistible when an opportunity to spend presents itself (for example, on a house, car, holiday or wedding), but it is encouraging that you would like to invest and that

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