Retirement planning: Six essential lessons for securing your future
This article considers six essential lessons to help you navigate the complexities of retirement planning. From managing inflation to understanding the power of diversification, these practical lessons aim to give you the tools you need to make informed decisions and secure a stable financial future.
A recipe for financial success: The adviser and the trusted investment partner
By working together, advisers and investment partners create a powerful partnership that allows clients to receive both tailored financial guidance and expertly managed investments.
Tik tok…the tax clock is ticking
With the tax year-end approaching, now is the perfect time for taxpayers to take stock of their finances. The end of February marks the close of another tax year, and with it, the opportunity to maximise annual tax relief, complete payments, and finalise essential tax-related activities.
2025 Outlook
As we look ahead to 2025, several macroeconomic factors will shape global economic performance. Key considerations include the implications of rising tariffs, anticipated changes in interest rates, and projections for GDP growth.
Beware of how behavioural biases drive your spending habits this festive season
As the South African summer emerges, it ushers many reasons to loosen the purse strings. Shop fronts are covered in tinsel and spending season is in the air. Instead of closing our eyes and swiping away, it’s a good time to be cognisant of our spending habits and behaviours.
Echoes of the Dot-com era: The Magnificent Seven’s impact and vulnerabilities
Over the past decade, the Magnificent Seven have dominated market returns, much like the leading tech companies of the dot-com era. The dot-com bubble serves as a powerful example of the risks associated with market exuberance and concentration. While today’s Magnificent Seven are more established than many of the dot-com-era companies, valuation risks and market concentration concerns persist.
New Year, new financial you: Eight easy financial resolutions for 2025
As we close out 2024, it’s the perfect time to reflect on the financial decisions we’ve made this year and consider the changes we can implement as we head into 2025. By setting clear financial resolutions, we can navigate the challenges and opportunities the new year presents, steering towards a more secure and prosperous financial future.
The impact of retirement income choices on mental health and financial well-being
We examine how retirement income choices, particularly living and life annuities, impact financial well-being and mental health. Our finances significantly impact our emotional health because money influences various aspects of our lives.
Two-Pot: Opportunities, challenges, and early adoption
According to SARS, as of early October 2024, a staggering R21.4 billion had been paid out in two-pot withdrawals. It almost comes as no surprise that the bulk of these funds has been used to address pressing needs such as home repairs, car expenses, and short-term debt.
What if your Black Friday splurge is an investment?
Instant gratification can get the best of us and we often don’t think twice about treating ourselves when goods are on sale. Consumers rarely have the same instant enthusiasm when it comes to saving and investing.