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Four issues to manage if you are retrenched
Retrenchment is an extremely traumatic event that can severely compromise your family’s financial wellness if it is not properly managed. Having a financial plan can help you deal with stresses...
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Retirement planning through the lens of a woman
Retirement planning through the lens of a woman As I write this article, South Africans would be we paying tribute to the more than 20 000 women who marched to...
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Taming the R47 BILLION of unclaimed retirement fund benefits pt3
Part III of III: Over 4.2 Million Cold Cases Still to be Solved An unclaimed retirement fund benefit is a cold case. COLD CASE: An unsolved investigation...
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Financial Planner of the Year 2021
Getting to know, Ryan McCaughey, CFP®, Financial Planner of the Year 2021 Ryan grew up in the Eastern Cape and matriculated from St Andrews College. He went on to study...
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Leaderex 2022
Positive participation at Leaderex 2022 Leaderex 2022, held at the Sandton Convention Centre on 13-15 September, was a great success, where the Financial Planning Institute of Southern Africa (FPI)...
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The purpose of an Estate Plan
The primary purpose of an estate plan is to help you examine your financial needs and assets to make sure that your heirs are provided for in the best possible...
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Taming the R45 BILLION of unclaimed retirement fund benefits
Part II of III: The DAWN and DUSK of Unclaimed Retirement Fund Benefits In part two we focus on how these unclaimed benefits have accumulated to such a large...
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Retirement planning and your life expectancy
Don’t get caught off guard by outliving your money because you thought you would never live to 80, 90 or 100! When planning for your retirement, it is essential to...
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Take the sting out of the needs
There are indications that interest rates will slowly increase over the next few years, while the fuel price continues to climb at a steady rate. These two increases will have...
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How to make it easier for your family to inherit, especially if they live overseas
The increased number of deaths as a result of COVID-19 resulted in estates taking a lot longer to be wound up. This can cause frustration and financial hardship which can...
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It’s time to batten down the hatches, another storm is yonder
We are living in unusually uncertain times where most events are regarded as unprecedented. There is extensive volatility in politics, global (and local) economies, around climate change and many more....
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Important things to know about testamentary trusts
Quite often parents bequeath their assets at death to a trust drafted in the Last Will and Testament, known as a testamentary trust. Several benefits make a very compelling argument...
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Corporate Income Tax down to 27% but beware the limitation rules.
The dust of the February 2022 Budget Speech has long settled. I however have been up to my usual research and detective mode as I needed more clarity in terms...
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Dealing with Negative Self-Talk
If we are to focus on mental positivity this year, how do we banish or diminish the opposite side of the scale – negativity? Especially in a world currently in...
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25 steps for drafting a sure-fire Will
If you’re in the process of having your Will drafted or are busy updating your Will, you’ll want to ensure that your Will is accurate, precise, and not open to interpretation. Besides...
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Your Rights as a Financial Planning Client
Working with a financial planner can be an extremely rewarding and valuable experience for you and your family. If you’ve decided to work with a financial planner, it’s important to...
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A – Z of investing
Investment markets are large, complex, ever-fluctuating, and often difficult for the average investor to navigate. There are, however, global terms and phrases which all investors should know and understand. In...
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The importance of life insurance
Life insurance safeguards you and your family from financial uncertainty that comes with severe illness, disability, or death. What is Life cover Having life cover in place is important to...
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Why you need to speak to a professional financial planner when you are getting divorced
Every year, around 25,000 divorces take place in South Africa. Divorce is a time of major change at all levels. New homes need to be found, the mourning of the...
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Blending solutions for an optimal retirement income
Ensuring a sustainable income that lasts throughout retirement is the main goal when selecting a retirement income solution. Linda Blom, Business Development Manager at Glacier by Sanlam, unpacks what this...
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Our Latest News
Achieving Financial Emancipation
This article is written on the eve of the Freedom Day which would have been commemorated on 27th April. For many South Africans, Freedom Day brings back memories of the euphoria...
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Financial Literacy Education in South Africa
Financial literacy is the ability to understand and manage personal finances effectively. This takes into account the skills, knowledge and confidence required to make money decisions. In South Africa, financial...
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Is a retirement fund a sure way to your financial independence?
A retirement fund, such as a retirement annuity, a pension or provident fund, is a common way and a great starting point for many people to save for their retirement...
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Fairness for all
Delays in the payment of tax refunds continue to affect taxpayers. This is despite the Tax Ombud identifying certain root causes of the delays as systemic issues – meaning...
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Retirement: don’t ignore these threats!
As a certified financial planner with 26 years of experience, I have seen first-hand the challenges that many South Africans face when it comes to planning for a secure retirement....
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Mother’s love is the best
“Mmangwana o tshwara thipa ka bogaleng”, this is a Sepedi idiom that loosely translates to the fact that a mother would go to any length in protecting her children. By the...
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Two-Pot Retirement System
Two-Pot Retirement System: Will it apply to our retirement savings that have already been accumulated? According to the current draft, the two-pot system will not be applied retrospectively, i.e., members...
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How to structure a tax-efficient income when you retire
When you retire you need an income stream that will give you the best sustainable income for the rest of your life and not waste money in terms of unnecessary...
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The Psychology of Money
As often is the case, many of us set financial resolutions at the beginning of the new year. Setting them is the easier bit, achieving them takes some perseverance. ...
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How to create a sustainable post-retirement plan – Part 2
After using your post-retirement expenses to generate a cash flow analysis and to determine your wealth allocation framework, you should consider the following risks. Diversification It is crucial to...
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How to create a sustainable post-retirement plan – Part 1
“To invest successfully over a lifetime does not require a stratospheric IQ, unusual business insights, or inside information. What’s needed is a sound intellectual framework for making decisions and the...
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Start building your wealth in 2023!
Do you want to be a millionaire? Most people probably do, but it is famously, not an easy pursuit. The growing wealth gap between the rich and the poor makes it seem impossible for...
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Don't Get Taxed Out of Retirement - Maximize Your Savings with SARS Allowable Deductions.
As the tax year end approaches, South African financial consumers, and the public need to take advantage of the allowable tax deductions offered by the South African Revenue Service (SARS)....
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The important role of your healthcare consultant
Why Medical Aid is like a Rubik’s Cube – and how a healthcare advisor can help solve it You have some important decisions to make. Why? Well, it’s that...
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