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The Five Risks Investors Should Be Planning For.
When most investors think about risk, they think about market crashes. But market volatility is only one of the risks

Estate Planning: Are you leaving your family a legacy or a headache?
Most people understand the importance of having a will, yet surprisingly few have a comprehensive estate plan. Estate planning is

The Quiet Shift that happens after R5 Million
There isn’t a bell that rings when your investments cross R5 million. No headline moment. No sudden sense that everything

Before writing your will, do you understand the cost of dying?
The reality is that dying can be surprisingly expensive. Without proper estate planning, a significant portion of what you’ve built

Most people think about Tax in February. Strategic investors start in March.
February plays an important role in financial planning. It’s when retirement annuity contributions are finalised. It’s when Tax-Free Savings Account

Why performance chasing is a sign of structural weakness
In volatile markets, the temptation to chase performance intensifies. When one fund, sector, or strategy surges ahead, the question quietly

Why most wealthy people feel uneasy in January
January has a particular way of stirring unease, especially for people who have built meaningful wealth. The headlines are loud.

How a Life Annuity works
Deciding how to invest your retirement fund when you retire can be a daunting decision, but you can approach it

The flexible option
The living annuity is attractive because it offers flexibility, but if that flexibility is used without the necessary care, it

Managing your living annuity.
While there are no guarantees in investing, research shows that if you draw an income of no more than 4%

Flexible
The living annuity focuses on income flexibility and investment choice with capital balance transferrable at death. This contrasts with the goal of the life annuity,

Living annuity basics
At retirement, you instruct your retirement fund to transfer all or part of your fund balance to the living annuity