Financial Planning

  • Retirement planning: Using endowments to help fund your retirement
  • Endowments, also known as endowment policies or endowment plans, are essentially savings vehicles provided by life assurance companies. Endowments can be a good option for you to consider for providing additional income once you reach retirement if you sit in a higher tax bracket. Let's take a closer look at endowments… What are endowments? Endowments are targeted savings plans. T... ››› more
  • [16 October 2015]
  • Three ways to deal with debt
  • Debt does have its uses, such as helping you to buy a property. But if you use debt to fund your lifestyle, it's time to address the situation. Carrying a lot of debt means you're working to service this debt, plus it stops you working towards financial goals. So how can you get out of debt? Read on to find out… Prioritise your debt The first step is going through all the debt ... ››› more
  • [15 October 2015]
  • How to make your retirement comfortable
  • You no doubt know that planning for retirement from a young age gives you the best chance of achieving your financial goals for when you get there. To really prepare adequately for retirement, you need to spend time now making some decisions. This will help you plan more effectively. Let's take a closer look… Work out your retirement budget When you retire, the expenses you have n... ››› more
  • [14 October 2015]
  • How to get your financial planning right
  • Financial planning is of vital importance. By planning your financial future, you can help yourself achieve your goals. So how should you approach financial planning? Let's take a closer look… What is financial planning? Financial planning is all about focusing on your financial goals and organising yourself to achieve them. You’ll probably have to make sacrifices along the way ... ››› more
  • [13 October 2015]
  • Financial planning 101: How to put together a budget
  • Successful financial planning boils down to successful budgeting. If you don't have a budget, you don't know what you're doing with your money. By putting a budget in place, you can spend your money more effectively and put more of it to work. So how can you put together the perfect budget? Read on to find out the four steps towards putting together a budget… Budget planning step ... ››› more
  • [12 October 2015]
  • How to get your financial planning in order
  • It's never too early to start financial planning. The earlier you do, the easier you'll find it to reach your financial goals. So where should you start with financial planning? Read on to find out… Financial planning will help you reach your financial goals Whatever your financial goals are, whether it’s to retire at 50 or pay off the bond on your house quickly, you need to put... ››› more
  • [09 October 2015]
  • How to achieve your financial goals investing on the stock market
  • Whilst you may dream of investing in a share on the stock market that goes on to hit make you a 1,000% gain in a matter of months, chances are it's not going to happen. Instead you should plan achievable financial goals and map out how you're going to get there. This is key to careful financial planning. Let's take a closer look at how you can do this… Draw up your financial goals ... ››› more
  • [08 October 2015]
  • Retirement planning: Dealing with annuities once you retire
  • When you decide to retire, you need to sort out what you're going to do with your pension. You can take a third of your retirement savings in a lump sum, the remainder must go towards an annuity. So what is an annuity? And what are your options picking one? Read on to find out… What is an annuity? An annuity refers to a payment you receive on an annual basis. When it comes t... ››› more
  • [07 October 2015]
  • Preparing for retirement: Is a retirement annuity for you?
  • A retirement annuity is a popular way to save for your retirement. Since their launch in 1960, many people use them as a way to save for their later years as retirement annuities come with tax benefits. So how does a retirement annuity work? Who are retirement annuities for? And what are the benefits of using a retirement annuity for saving for retirement? Read on to find out... How... ››› more
  • [06 October 2015]
  • Secure your future by following these three top financial planning tips
  • It's never too early to look at financial planning. Whether you've just left school or already been slogging away for years, if you haven't taken the time to plan for the long-term, start today. So how can you build wealth for the long-term? You can achieve it by sticking to these three top financial planning tips… Make financial planning a priority It’s not just your retire... ››› more
  • [06 October 2015]
  • Delving into pensions: The pros and cons of a provident fund
  • Making decisions about your retirement and pension isn't easy. If you're young, it's hard to think about your needs when you reach retirement age. And as you get older, you'll start to worry you don't have enough money to last you through retirement. One option you have is to save for retirement through a provident fund. So what exactly is a provident fund? And what are the advantages an... ››› more
  • [05 October 2015]
  • How to begin planning your pension
  • It's never too early to start planning for retirement. And this means thinking about a pension or another way of investing for your later years. So what should you consider when it comes to finding the best pension solution for you? Read on to find out… The earlier you start planning for retirement, the better Read anything about retirement planning and you’ll no doubt come acro... ››› more
  • [01 October 2015]
  • If you're still paying tax on your investments you're losing out big-time!
  • Do you own unit trusts, ETFs or shares? If you do, you're paying 15% tax on all the dividends you receive. You also pay 13.33% capital gains tax once you sell any of these. In fact, if you held them for less than three years you will end up paying up to 40% in income tax on them… But you don't have to. Stop paying tax on your investments today The National Treasury introduced Tax... ››› more
  • [23 September 2015]
  • Why you should set up an Inter Vivos Trust
  • Estate planning is an aspect of life that many people don't make time for. But by ensuring you plan your estate well, it can make things a whole lot easier for you and your family. One essential estate planning tool is an Inter Vivos Trust. So what is an Inter Vivos Trust? And why should you consider setting one up? Read on to find out… What is an Inter Vivos Trust? An Inter Vi... ››› more
  • [21 September 2015]


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