Solving The Riddle Podcast

What is the best way to build wealth for a child or grandchild, and how do you ensure they don't squander it when they turn 18? In this episode of Solving the Riddle, hosts Andrew Whitewood and Alec Riddle break down a real listener question about long-term investing for minors, joined by podcast producer Jeremy King for a candid behind-the-scenes look at financial planning. The team compares Tax-Free Savings Accounts (TFSAs), Unit Trusts, and Retirement Annuities (RAs), running the n...

Are Exchange Traded Funds (ETFs) the ultimate tool for building long-term wealth? In this episode of Solving the Riddle, hosts Andrew Whitewood and Alec Riddle welcome Chris Rule from 10X Investments to demystify ETFs and unpack how everyday investors can access global stock markets with as little as R50 a month. Chris breaks down the history of index tracking, how stock inclusion rules work for mega-cap companies like SpaceX and Nike, and the rise of Actively Managed ETFs (AMETFs) and ...

In this episode of Solving the Riddle, Andrew Whitewood and Alec Riddle are once again joined by Lauren Marsh (Walker) from Currency Partners to unpack the realities of moving money offshore, tax emigration, and cross-border estate planning. Lauren shares how updated Reserve Bank rules allow direct transfers into offshore trusts, why ceasing tax residency triggers unexpected exit taxes, and how children living abroad can unknowingly create tax and inheritance complications. Key To...

In this Q&A episode of Solving the Riddle, hosts Andrew Whitewood and Alec Riddle answer listener questions on cutting tax liabilities and optimizing wealth. They unpack spousal tax strategies, TFSA traps, Regulation 28 limits, offshore situs taxes, and SARS rebates. Key Topics Covered: • Spousal Tax Strategy: Draw income across both partners to cut tax rates and save up to R20M in retirement. • TFSA Pitfalls: Avoid bank cash accounts, use equity-focused portfolios and benefic...

Are you accidentally setting yourself up for a massive 20% to 25% tax hit on your estate? In this episode of Solving the Riddle, host Andrew Whitewood and Alec Riddle are joined once again by tax advisor Marisca from Tax Matters with Marisca. Together, they break down why relying on last-minute planning can cost you millions and how to structure your assets early to build true intergenerational wealth. From provisional tax deadlines to advanced corporate and trust tax rules, this episode simp...