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Financial Planning

  • Why you must keep your savings separate from your investments
  • When it comes to your finances, from your earnings you need to spend some of it to cover necessities and expenses. You can then put the money you have left into your savings and investments. But what is the difference between your savings and investments? Are they not just the same thing? Read on to find out… The difference between savings and investments Whilst savings and invest... ››› more
  • [28 May 2015]
  • Should you opt for fixed-rate bonds or a fixed deposit accounts?
  • If you're saving up for a specific goal or don't need access to some of your cash for a while, what are your options when it comes to low-risk investments? You could opt to put your cash in the bank in a fixed deposit account or you could buy RSA Retail Savings Bonds. So which is the better option for you? Read on to find out… What are RSA Retail Savings Bonds? RSA Retail Savin... ››› more
  • [15 May 2015]
  • Financial planning: How to check you're on track with your financial goals
  • As soon as you begin working, you need to start planning for your financial future. This includes making provisions for your retirement and for other unexpected events. You can do this through different kinds of investments and insurance. What you should be doing at the moment depends on the stage in your financial life. This should help you determine how your money is working for you. Le... ››› more
  • [08 April 2015]
  • PULL OVER and use this simple technique to “fix” your failing portfolio
  • You're taking your car for a spin on a Sunday afternoon. As you speed up, you feel the power in the engine build up. But without warning, your left wheel hits a pothole. You acknowledge the hit with a single curse word. You start to feel your steering wheel pull towards the left and your car is now losing its balance The fix is simple: Pull safely over on the side or to the nearest pet... ››› more
  • [30 March 2015]
  • Thanks to the budget, if you're a higher earner you will be paying more income tax
  • The budget address at the end of last month revealed some news that higher earners didn't want to hear. Personal income tax is rising if you earn more than R181,900 a year. So what does this mean for you? Let's take a closer look… Personal income tax rises 1% if you earn more than R181,900 a year During his first full budget speech, the finance minister Nhlanhla Nene said that “... ››› more
  • [20 March 2015]
  • Two strategies to boost your retirement savings
  • Ensuring that you save enough for retirement isn't easy to achieve. The last thing you want is to get to retirement age and not have enough money to keep you going through your later years. So what can you do now to help you achieve your retirement savings goals? There are two ways you can go about it. Read on to find out what these strategies are… Boost your retirement saving... ››› more
  • [09 March 2015]
  • Three reasons why you should hold your assets in a Trust
  • One of your top priorities when it comes to your financial planning should be protecting your wealth. No-one knows for certain what lies ahead, so it's vital to take steps now to protect your assets. And one option you have is to hold your assets in a Trust. So why should you consider holding your assets in a Trust? Read on to find out… Why you need to protect your wealth I... ››› more
  • [05 March 2015]
  • Make sure you apply for your tax-free savings account
  • You can now apply for your own tax-free savings account. The government introduced the scheme to help incentivise South Africans to save. You can now save R30,000 a year, tax-free. And the accounts aren't just limited to cash. You can use them to invest in unit trusts and other investment products. Let's take a closer look… Tax-free savings accounts came into effect yesterday Y... ››› more
  • [02 March 2015]
  • Why buying an annuity at retirement has its advantages
  • Trying to plan for your retirement can be a minefield. There are lots of decisions to make and the worry that you might not have enough money to tide you over. One popular option (and depending on your retirement planning, a must) is to buy an annuity at retirement. Whilst this does have its downfalls, it also has many upsides. Let's take a closer look at why buying an annuity at retirement ... ››› more
  • [09 February 2015]
  • Financial planning conundrum: How much cash should you hold?
  • When it comes to investing, you might spend a lot of time thinking about how much money to put into stocks, bonds, property and the likes. Holding cash is also a vital component. But how much cash should you hold? Cash is the money you have in your bank and savings accounts. In other words, money you can get your hands on quickly with relatively little fuss. Read on to find out more… ... ››› more
  • [30 January 2015]
  • How much of your stock market profits is SARS entitled to?
  • When you invest and trade on the stock market, your main objective is to make money. But if you've done well, chances are all the profits aren't yours. You'll have to pay SARS its cut. So how do you know when you have to declare your profits to SARS from your investments? And what are you liable to pay? Read on to find out… Your tax liability to SARS when you invest and trade W... ››› more
  • [06 January 2015]
  • Why you need to start your children's financial education early and how you can do it
  • You want the best for your children. You want them to thrive, do well at school and achieve their dreams. As much as you can send them to the best schools and have these hopes and aspirations for them, there's one thing you can do for them at a young age, which will stay with them for the rest of their lives. You need to start their financial education early. So what should you do? Rea... ››› more
  • [29 December 2014]
  • Should retirees ignore stocks and focus on bonds and cash instead?
  • As you get older, the consensus is that you should start to lower your exposure to stocks and put more money into ‘safer' investments like bonds and hold more cash. But with retirees expected to live longer than they ever have before, is this still the case? Let's take a closer look… The classic retirement investment portfolio Once you retire, you’re more likely to hold more c... ››› more
  • [22 December 2014]
  • Four entrepreneurial lessons you can learn from Victoria Beckham
  • Victoria Beckham has certainly changed a lot since she first hit the music waves as one of the Spice Girls 20-years ago. Since 1994, she transformed herself from one of the Spice Girls into a business woman with a successful fashion designing business behind her, along with a number of other ventures. So is there anything you can learn from Victoria Beckham's success? Let's take a closer ... ››› more
  • [12 December 2014]

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