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Financial Plan

  • This week's WEF opens up a short-term opportunity to profit
  • The World Economic Forum (WEF) on Africa 2019 is currently taking place in Cape Town. During this three-day event, our most senior politicians will be out in full force to convince the international community South Africa remains investable. They'll discuss lofty matters such as the 4th Industrial Revolution (4IR), sustainability, digitalisation and stability. And, if history is any indication... ››› more
  • [05 September 2019]
  • Eight reasons you won't have enough to retire - Here's what you need to do right now!
  • You won't have enough money to retire. I know I sound like the harbinger of doom, but it's a reality that you and most South Africans need to face up to. Now you might be asking, why am I saying this about you? Well, I am only looking at the statistics. The Financial Planning Institute of South Africa says less than a quarter of South Africans can afford to retire. If you think that's ... ››› more
  • [11 August 2016]
  • Nine essential investment tips every woman must know about
  • August is Women's Month. As South Africa celebrates the role women played in the liberation of the country against apartheid, the women of South Africa are now facing a new struggle. That's the fight for financial equality. Not only is the investment world still largely dominated by men, a large number of households still rely on men for financial security. The good news is that the stereo... ››› more
  • [11 August 2016]
  • Don't you wish someone told you this about money when you were in your 20s?
  • When I look at the financial education I received at school and university, I always wonder how different my life would be today if I had better quality information. Where would you be if your teachers, parents and mentors taught you more about managing money, the stock market, investing, savings and general day-to-day budgeting? How different would your life be today? Let's take a clo... ››› more
  • [19 July 2016]
  • Have you discussed these four financial topics with your partner?
  • If the statistic that 50% of all marriages end in divorce is accurate, it means that South African couples need to pay close attention to the way they manage their finances. Whether you're just starting out or already in a steady relationship, you and your “better” half must manage your finances effectively so that it doesn't destroy your relationship. To help you succeed, I've found f... ››› more
  • [19 July 2016]
  • 20 questions every financial adviser should answer
  • Financial advisers are a dime a dozen in South Africa. Walk into any investment firm and you'll find them, sitting behind their fancy desks in their tailor-made suites and large offices crunching numbers. They come across as bold and confident and in some cases; their knowledge of the investment environment can be intimidating. But just because a financial adviser looks like he knows what he's... ››› more
  • [13 June 2016]
  • How to handle debt in the face of rising interest rates
  • When interest rates go up, the cost of borrowing rises with it. The banks simply pass on the hikes in interest rates they pay to borrow money to you the customer. The South African Reserve Bank is in the midst of increasing rates. It raised rates last week and also in July. Chances are more interest rates hike lie ahead. So how should you handle your debt in the face of higher interest ra... ››› more
  • [21 December 2015]
  • “You only live once” - The best way to plan your finances for life
  • I often hear people say, “Just do it, you only live once.” I cringe when I hear this… You: “I really want that new S-class Mercedes Benz but I don't think I can afford it.” Friend: “Go for it, you only live once.” Yes, do it! You'll end up paying for that S-class for the rest of your life. You'll live hand to mouth while the car depreciates in value and you and your family a... ››› more
  • [21 December 2015]
  • Three ways to get your financial planning on track
  • Trying to sort out your finances for the present and the future is never an easy task, but it is one thing you need to take the time to do. Financial planning should start as early as possible, with short-term and long-term goals. So what should you include as part of your financial plans? Let's take a closer look at some important aspects… Financial planning aspect #1: Are you co... ››› more
  • [21 December 2015]
  • Getting your priorities straight with your savings
  • Savings are an important part of your personal finances. It's important to build up savings over the years. The earlier you start, the quicker you'll achieve your savings goals. You should have different purposes for different savings. So how should you deal with your savings? Read on to find out… Different types of savings As part of your financial planning for the future, yo... ››› more
  • [21 December 2015]
  • The two things you need to grow your wealth
  • Growing your wealth over the years may be something you aspire to. You may think that not having enough money is standing in your way of growing wealth, but you'd be wrong. There are two things that you need to have. So what are these things? Read on to find out… Two factors that will help you grow your wealth   The two most important things you need to grow your wealth a... ››› more
  • [03 November 2015]
  • Financial planning: Splitting your cash between savings and investing
  • Financial planning involves all aspects of money management for today and for your future. Everyone needs to support themselves. This involves buying food, paying rent or a bond, and putting petrol in the car. But once you get your essential spending done, you should be putting your money into savings and investing the rest. So what is the difference between savings and investing? Let'... ››› more
  • [28 October 2015]
  • Safeguard your financial future by securing multiple income streams
  • Trying to plan for your future is difficult. You want to grow your wealth so your future is secure and that you'll have a comfortable retirement. But how can you achieve this? You can't do it by slaving away in your current job. This isn't going to build wealth and a financially comfortable future. You need to exposure multiple income streams. Read on to find out more… What are mu... ››› more
  • [23 October 2015]
  • Should you include government retail bonds in your financial planning strategy?
  • Financial planning involves all aspects of dealing with your money now and into the future. It's vital to have short-term, medium-term and long-term goals as part of your financial planning strategy. To meet some of these goals, you may need to look at savings vehicles to help you get there. So are government retail bonds worth considering? Let's take a closer look… What are gover... ››› more
  • [20 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]
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