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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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Self-proclaimed social media gurus just one of the dangers facing DIY investors
By Theoniel McDonald, CFP® You could be excused for mistaking the past few years as the age of DIY investing. Nowadays just about everyone who strolls into our financial advice...
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Taming the R45 BILLION of Unclaimed Retirement Fund Benefits
Part I of III: Introduction to unclaimed retirement fund benefits by Carol Lenzi CFP® An estimated R45 billion of unclaimed retirement fund benefits is sitting in just over 1250 retirement...
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Topping-up could make all the difference
When I think of toppings I think of my favorite sweet topping on a perfectly brown baked waffle. The picture is complete as I am feasting on this piece of...
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3 questions. Infinite possibilities
With every new start comes feelings of hope and new possibilities – a new year, a new city, a new job, a new relationship…we always tend to believe [or hope]...
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8 reasons to set up a TFSA before the end of February 2022
As we move towards the end of the 2021/2022 tax year, focus invariably shifts towards the maximisation of tax benefits and savings in order to achieve optimal returns on one’s...
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Forget Janu-worry focus on being financially responsible all year round
Forget Janu-worry focus on being financially responsible all year round As I compile this article, most South Africans are back to work, and most schools have opened. It is now...
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Income protection: Providing a salary when you are unable to earn
Many people tend to over-estimate the need for life and capital disability cover but underestimate the need for income protection. If you’re earning an income – whether through formal employment,...
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Youth has no age – Be financially fit for the future
In South Africa, June is dedicated to the youth of 1976 who stood up against the apartheid government and laid down their lives fighting for freedom and the right to...
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It's Time to Take Retirement Seriously
By Siba Njoba FSA™, Wealth Manager at Imvelo Wealth Solutions Retirement is an important issue and you need to give it due consideration. Yes, I know I sound that school...
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What the Spanish Flu teaches us about family life in the time of Covid
We are entering the second year of living with Covid. It has become second nature to wear a face mask whenever we go out and to constantly disinfect our hands. ...
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The Irrational Investor: According to Behavioral Finance
The investor’s chief problem—and even his worst enemy—is likely to be himself. – Benjamin Graham The all too familiar experience of investing: a “roller coaster of emotions”. First you spot...
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Trusts
A trust is a great vehicle if you want to protect and care for yourself and your family whilst alive. It also facilitates leaving behind what you have – and...
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How to deal with longevity risk
Longevity risk is one of the biggest risks facing retirees. Recent research has been highlighting how life expectancy of individuals is increasing. What does that mean and how can this...
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How to boost our retirement savings at any stage of life
Saving for retirement is a lifelong process and over time certain factors might influence your ability to save. Everyone’s circumstances will be unique, however, there are a few life stages...
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10 things all children should know about money
Teaching our children how to budget, handle money and save is but a small part of making our children financially astute. Before children can grasp the more technical aspects of...
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How single mothers can protect themselves financially
The responsibility of being a single mother to a minor child (or children) is no doubt overwhelming, especially when it comes to money. Without the added advantage of running a...
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Awareness is the panacea for women empowerment
South Africa commemorates women’s month in August as a tribute to the more than 20 000 women who marched to the Union Buildings on 9 August 1956. This was in protest against...
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Reflections on Loss
Reflections on Loss The pandemic had an outsize impact on various aspects of life for all of us. Financial planners are no different and those of us who focus on...
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Become a Volunteer
Welcome to Volunteering! Thanks for opting-in to the volunteer pool Upon clicking any on the links below, please note you will be redirected to the FPI Tribe Community....
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Investment basics for children
Talking about budgets is often the starting point in the financial education of kids. While budgeting can help you live within your means and stay solvent, only investing will help...
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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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