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Financial Planning

  • 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]
  • Can you afford to retire comfortably?
  • Can you afford to retire comfortably? Most people nearing retirement are haunted by this question. When it comes to retirement planning, it's important to take time to familiarize yourself with what this period will mean for you, financially speaking. After all those years you've dedicated time and energy into your work, retirement is the time to finally enjoy a comfortable, stress-free lif... ››› more
  • [10 December 2014]
  • Should you use store credit cards for holiday shopping?
  • The holidays are almost here and that means the spending frenzy is well on its way. Retailers will go out of their way to make their special offers more enticing and convince customers to shop like there is no tomorrow. The question is what will you do? Will you give retailers and marketers satisfaction? Will you shop ‘til you drop or will you be more responsible and protect your savings from... ››› more
  • [10 December 2014]
  • How to pay off debt strategically
  • Do you feel stuck in debt? With every purchase you make, do you get sink deeper and deeper into debt? Then it's time to take action and work on paying off your debt as quickly as possible. While it may take years to completely pay off your debt, it's highly advisable that you take action starting now, instead of postponing it to an unknown future date. Here is how to pay off your debt strate... ››› more
  • [09 December 2014]
  • How to pay off your mortgage loan faster
  • In a down or uncertain economy, the smartest thing you can do is reduce debt in all areas of your life. Paying off your mortgage loan sooner is one of the best things you can do for your financial future. On the road to financial freedom, you're going to have to make a few sacrifices. Paying off your mortgage sooner will be worth the trouble, since the psychological and financial rewards of be... ››› more
  • [08 December 2014]

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