Recent Posts - page 2

  • The multi-level matrix

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    Pyramid schemes and/or Multi-Level Marketing companies are often sought out by South Africans as a way of escaping poverty and debt, especially in tough economic times. With fake news infiltrating social media channels at an unprecedented level, it is an… Read More ›

  • Fee-based advice is best

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    Fee-based financial planning practices are relatively new entrants in the financial planning arena, having made their appearance within the last fifteen years or so. The move towards charging a professional fee for financial planning advice has gained momentum, and there… Read More ›

  • Christmas gifts that keep on giving

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    This Christmas will take place against the backdrop of global economic and political turmoil, and a severely cash-strapped consumer base. Local political shenanigans, as well as Donald Trump’s election as the next US president, have had detrimental effects on the… Read More ›

  • Don’t blow your bonus

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    Before your year-end bonus lands in your bank account, give some careful thought as to how you intend to use it. Your short-term decisions can have lasting effects on your 2017 financial health, and our advice is to be prudent… Read More ›

  • Just imagine

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    Modern technology has provided us with the ability to purchase anything, any time and by almost any means. As convenient as this may be, the speed at which we are now able to transact means there is no longer a… Read More ›

  • There is no blueprint for this

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    History repeats itself, but not always. When it comes to retirement planning, trends show that our retirement will look nothing like our parents’. With rapidly increasing longevity, boundless advances in medicine and the advent of new investment vehicles, it is… Read More ›

  • eFiling made easy

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    1 July 2016 marked the opening of the new tax season which means that individuals are able to complete and submit their income tax returns. eFiling via the official SARS website is undoubtedly the most efficient way of filing one’s… Read More ›

  • 10 Habits of financially independent people

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    While financial success may mean different things to different people, financial independence speaks to a universal language. Financial independence allows a person control over one of our greatest gifts here on earth: time. Regardless of the monetary value of financial… Read More ›

  • What if?

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    I don’t need a financial plan – I have policies in place. This is a common, albeit misguided, response by many when probed on the all-important issue of financial planning. Ironically, the existence of these so-called policies – invariably sold… Read More ›

  • Couple counselling

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    Marriage is normally a time of immense joy, heady romance and the celebration of an exciting new future together – all of which can be short-lived if there exists a lack of harmony when it comes to money. Although far from… Read More ›

  • Advice avoidance

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    Many people have an aversion to seeking independent financial advice, and it is often not confined to the serial procrastinator. Whether through ignorance, insecurity or fear, there are a number of underlying reasons why some people tend to shy away… Read More ›

  • The new generation RA

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    As with anything requiring your signature, it is absolutely imperative that you understand what you are committing to when investing in a retirement annuity. In essence, there are two vastly different types of retirement annuities available to investors. Knowing and… Read More ›

  • 10 tried-and-tested retirement tips

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    Although the investment arena may appear complicated, highly regulated and jam-packed with jargon, there are a set of underlying fundamentals when it comes to preparing for one’s retirement that are universally true and indisputably sound. With only 6% of South… Read More ›

  • When you can’t speak for yourself

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    While you are healthy, mentally stable and physically mobile, it may be difficult to conceive a time when you will not be able to speak for yourself. Whether through injury, degenerative disease or the sudden onset of illness, many people,… Read More ›

  • 10 things all children should know about money

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    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 finance, there are some underlying principles that are well worth… Read More ›

  • Your will, your way

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    Having a Will is not the privilege of the impossibly wealthy. It is the right of every South African who wishes to plan their legacy while they are still alive. Anyone who has assets and/or minor children, and who wishes… Read More ›

  • The financial planning evolution

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    Like YouTube, Crocs and global warming, financial planning as we know it today simply did not exist twenty years ago. Today’s highly regulated profession – which is governed by a series of stringent legislation, governed by the Financial Services Board… Read More ›

  • The unseen enemies

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    Whilst many investors consider the most ominous threats to their retirement savings to be unpredictable market forces and failing economies, the truth is that some of the greatest threats to one’s retirement can be latent and unassuming. Even the most bullet-proof… Read More ›

  • All that glitters is not gold

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    In the immediate aftermath of the exposure of any Ponzi scheme, the overwhelming response from the world of investing is general disbelief that any rational being could fall for such seemingly obvious trickery. Once the exposé is laid bare and… Read More ›