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  • Looking for a safe investment vehicle? Consider RSA Retail Savings Bonds…
  • If you want to put some cash away for the long-term, look at RSA Retail Savings Bonds. Buying these bonds has a number of advantages. So what exactly are RSA Retail Savings Bonds? And why should you buy them? Read on to find out… RSA Retail Savings Bonds explained When you buy RSA Retail Savings Bonds, you’re lending money to the South African government. In return for this l... ››› more
  • [19 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]
  • Should you keep a lot of cash in the bank?
  • When building an investment portfolio, you put cash you've built up to work on the market. But how much cash should you keep? Read on to find out what you should do… The best known asset class: Cash When it comes to the different types of assets available, everyone knows about cash. Cash is the most risk-free form of investing there is. And because of this, it gives the poores... ››› more
  • [02 April 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]
  • Property - The best savings account you'll ever have
  • A friend of mine just bought some property - cheap. In fact, he bought this property from the bank as a distressed sale for 70% less than the developer is selling similar properties to other buyers in the market. That's right, he paid R90,000 for a piece of prime real estate from the bank. Similar vacant stands like the one he just bought are selling for R300,000 in the same development! ... ››› more
  • [04 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]
  • Want the security of fixed-income? You need to look at buying bonds
  • If you think about investing, you may automatically think stocks and shares. But then you'd be ignoring a massive market: Bonds. Bonds may not offer you the opportunity to make big profits, but they do give you reliable, low-risk returns. And this makes them a perfect component for your portfolio. So where do bonds trade in South Africa? What exactly are bonds? And who issues them? Read o... ››› more
  • [03 February 2015]
  • Want to invest in bonds? Here's the easiest way for you to do it…
  • If you're disappointed with the interest your money is earning in the bank and you don't need the funds for the next few years, you could consider buying bonds. For a retail investor, the easiest way to do that is through RSA retail savings bonds. You can buy bonds from R1,000 and you can decide on how long to tie your money up. So how do RSA retail bonds work? Read on to find out… ... ››› more
  • [13 January 2015]
  • 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]
  • How to put your tax-free savings account to good use
  • In March, you can start to take advantage of tax-free savings accounts. The move by the National Treasury is to encourage South Africans to save. So how should you use your tax-free savings to your advantage? And should it form part of your retirement planning? Let's take a closer look… How tax-free savings accounts work In four months’ time, you’ll be able to invest into your... ››› more
  • [02 December 2014]
  • How much should you save for retirement depending on age
  • How much should you save for retirement? This question is on everyone's mind sooner or later. You should perform a reality check on a regular basis before retirement, to make sure you are on the right track. Most financial experts recommend that you save between 10 and 15 percent of your current income for retirement.   It’s important to set certain targets and milestones when to reasse... ››› more
  • [27 November 2014]
  • 5 Quick ways to boost savings starting today
  • When the economy goes sour, more and more people start reconsidering their spending and readjust their budgets. However, saving should be a priority for you regardless of the state of the economy. If you get into the habit of saving, up will live much more comfortably knowing that you still have control over your financial future. Special: How to Grow Rich – Privately, Independently and S... ››› more
  • [25 November 2014]
  • Simple ways to boost your savings
  • Unless you're exceptionally self-disciplined and frugal, you probably have a difficult time saving money on a regular basis. The less you earn, the less you feel encouraged to save, but that doesn't mean that those who make plenty of money are big savers. Everyone has a hard time saving because, let's face it, being frugal isn't fun. Even if you consider yourself more of a spender, don't get d... ››› more
  • [21 November 2014]
  • How to start saving for a rainy day
  • Small changes can make a big difference when it comes to your financial future. Even if you're not much of a saver, you can always turn your life around by establishing a savings fund. Financial freedom is not easily achievable, but it is worth the effort. You can instantly gain more control over your finances by starting to save regularly. Here are some powerful tips to help you make the ch... ››› more
  • [20 November 2014]
  • Retirement planning checklist
  • If retirement is quickly approaching and you know that there is no more time to waste, then it's time to get more organized and determined in your planning. Here is a checklist of things you should do before and during retirement, to ensure that you have everything under control. 1. Make sure you can afford to retire. You may want to retire when the time is right, but can you actually afford ... ››› more
  • [19 November 2014]
  • On 1 March you can open a tax-free savings account… Here's what you need to know
  • On Friday, the National Treasury released its draft regulations on the tax-free savings accounts that you can use from 1 March. With several months to go until you can start using them, there may still be some changes to the scheme. So what can you expect from a tax-free savings account? And what benefit will they have for you? Let's take a closer look… Why is the National Treasur... ››› more
  • [17 November 2014]
  • Retirement catch-up strategies for people over 50
  • You've made it well into your 50s and you're generally satisfied with your life, except for one small part: your retirement savings are almost insignificant. What can you do to quickly catch up on your savings and make up for the lost time? Although you may have to stretch your limits, you can still manage to save enough. Here is how.   Downsize   Selling your home and moving to a small... ››› more
  • [06 November 2014]
  • How to take you first financial planning step today
  • As with so many aspects in our busy lives, it's easy to put things off for another day. This is the case with many people when it comes to financial planning. But each day you let pass by means that your future financial security is at risk. So if you haven't done any financial planning yet, where should you start? It's easier than you might think. Read on to find out more… How to... ››› more
  • [04 November 2014]
  • Retirement savings: What to do if you're running out of time
  • You know what they say: the sooner you start saving for retirement, the better off you will be in your golden years. What happens when you feel like you are running out of time when it comes to saving for retirement? When time is not on your side, you have to take immediate action.   You may need to rethink your entire retirement planning. For instance, if you had planned on retiring at ag... ››› more
  • [31 October 2014]
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