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Savings

  • Best ways to save money on groceries
  • Have you ever kept track of how much money you spend on groceries every month? The results might surprise or even scare you. Since groceries are becoming more and more expensive, we need to look for efficient ways to reduce our grocery bill and save money. Eating at home instead of dining out is one of the best ways to save money in the long run. It can also be much healthier, since you wou... ››› more
  • [23 July 2014]
  • 5 ways to boost your retirement savings
  • Saving for retirement should be a lifetime goal. However, due to a lack of proper planning or resources, most people do not save even half of what they should be saving for retirement. If you've just started saving for retirement or are approaching your golden years and want to give your savings a boost, here are some tips to keep you on the right track. Retirement savings tip #1: Save more, ... ››› more
  • [22 July 2014]
  • How to get into the savings habit
  • We all know that we should save more money, yet we keep making excuses and end up wasting more money than we should. We need an emergency fund that we can access anytime to cover unexpected expenses, as well as a long-term savings account. Most people do not have enough savings to cover unexpected expenses for health care, car repair, or other type of emergencies. To protect yourself fro... ››› more
  • [22 July 2014]
  • How to get the most out of your retirement
  • If you're decades away from retirement, you're probably not putting in much effort in planning for that period. But the closer you get to retirement, the more you'll wish you had started planning and saving earlier. Planning for retirement is extremely important if you want to enjoy your golden years to the fullest. Lack of planning can lead to a chaotic lifestyle once you reach retirement and ... ››› more
  • [14 July 2014]
  • Financial planning mistakes to avoid at any age
  • When it comes to financial planning, we're not always as qualified as we might think to make the smartest decisions. We all want to increase our wealth and make smart financial decisions, yet we keep making the same mistakes over and over again. Such mistakes prevent us from achieving true wealth and maximizing our investments. Here are some top financial planning mistakes to avoid making. ... ››› more
  • [14 July 2014]
  • A nifty calculation to help you work out how much to save for retirement
  • Trying to ensure that you have enough money in your retirement pot can be an arduous task. You don't want to get to a year before retirement to find out you have a large shortfall in your savings. And that's where the ‘annuity factor' comes in. This can help you work out how much you should be putting away a month to achieve your retirement goals. Read on to find out what to do… ... ››› more
  • [14 July 2014]
  • How much should you save for retirement?
  • It is generally believed that you should save at least 10% of your income for retirement. How much you need to save in order to have a happy, comfortable life during retirement depends on many factors, including: the age when you start saving money, your forecasted monthly expenses, and whether or not you have other sources of retirement funds. It is best to start saving for retirement as e... ››› more
  • [11 July 2014]
  • Don't invest all your cash… keep some for rainy stock market days
  • Keeping your money in cash may be one of the lowest risk things to do with it. But chances are your money isn't going to pay you much of a return. Investing your cash across a spectrum of investment can be a wise choice. But you should always keep some spare. Spare cash means you're in a position to jump on opportunities as they arise… The importance of holding cash It makes sound fina... ››› more
  • [11 July 2014]
  • What rate of return should you expect from your pension fund?
  • If you're already ploughing money into a pension fund, that's a great start. But how can you expect your pension to perform over the years? After all this affects how much your pension pot is going to grow over the years. And it ultimately affects how much money you have once you retire. Let's take a closer look… What performance to expect from your pension fund Your pension fund provider mi... ››› more
  • [10 July 2014]
  • 4 steps to a happy retirement
  • To be happy and financially carefree in your retirement years, you need to carefully plan ahead, invest, and make smart choices. The retirement years can be the happiest of your life if you have a reasonable income to live comfortably. That's why it's so important to start saving for your retirement while young and to not rely solely on company pension plans. Since many soon-t-be-retirees a... ››› more
  • [09 July 2014]
  • Quick tips to manage your savings
  • Saving money may not be your top priority right now, but the sooner you start doing it, the better off you will be. Why should you start saving money? Everyone has their own reasons to save money, starting from having some cash on hand in case of emergency to buying a fancy house or going on a luxury holiday. Whatever your reasons for saving cash, it's important to know how to properly man... ››› more
  • [08 July 2014]
  • If you have children you must read this… It'll change their lives
  • When I was still only a kid at school my dad one day sat down and had a talk with me about savings. You know, the whole “put some money in the bank every year and save for a rainy day” speech. Miraculously a bit of that got stuck in my mind and today I'm really grateful for it. You see, without even knowing it the principle he taught me could put an extra R1,064,479 in my pocket by the d... ››› more
  • [09 June 2014]
  • How to check you're saving enough for retirement
  • Ensuring that you start saving early for your retirement is the best course of action. But if like many people, you haven't put enough aside earlier in your life, how can you check you'll have what you need? Let's take a closer look at how you can do this… How much more do you need to save for your retirement? There are a number of factors to take into consideration to check how much you nee... ››› more
  • [19 May 2014]
  • The one piece of financial planning advice that works… regardless
  • When it comes to the world of finance and investments, there isn't a ‘one shoe fits all' approach. Things can work slightly differently for everyone depending on a whole host of factors. But there's one thing that works for everyone. That is ‘start earlier and save more'. When it comes to savings, this financial planning nugget works for everybody. Let's take a closer look at why this is and w... ››› more
  • [19 May 2014]
  • Your bank wants you to make this mistake!
  • “Francois, I have R20,000 that's been lying in a savings account for 20 years now - I've finally decided I want to invest the money and make a return to supplement my retirement…” - M So M wants to invest her money after years of keeping it in a savings account. Turns out she received R15,000 cash 20 years ago as part of her inheritance. But then she made the biggest mistake she possib... ››› more
  • [14 April 2014]
  • Why you should hold fixed-interest securities
  • Fixed-interest securities should form part of a well balanced portfolio. They aren't going to make you rich overnight, but you know where you stand with them. You know what your rate of return is going to be. Let's take a closer look at why you should hold some fixed-interest securities in your portfolio… An asset category that you should include in your investment portfolio is fixed-interest ... ››› more
  • [28 January 2014]
  • How much do you need to save for your retirement?
  • When it comes to saving for your retirement, the most important aspect is having enough in your pension pot for your golden years. But how much should you be squirrelling away every month? Read on to find out how you can work this out… To ensure that you’re saving enough for your retirement, you’ll need to get a bit technical, Phil Oakley in MoneyWeek explains… Annuity factors (AF) he... ››› more
  • [24 December 2013]
  • Inflation linked bonds: Where to put your super safe money
  • When you buy shares of Sasol, what exactly are you entitled to? The answer is: Nothing. When it comes to investing, there are very few guarantees. You can lose money no matter what you do. Most people don't realise it, but you often even lose money just by holding it in the bank. Read on to uncover how you can earn a return on your money safely… Right now, banks are paying a paltry percentage ... ››› more
  • [11 December 2013]
  • Why your house beats the bank
  • Investing is all about trading off risk and return. To get high returns, you usually have to risk losing money. Playing it safe means accepting lower returns. And with interest rates at historic lows, life has become a lot tougher for conservative investors in recent years. Read on to find out why your house beats the bank… Hold your money in a savings account and you’ll be lucky even to mat... ››› more
  • [04 November 2013]
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