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 that can threaten long-term financial security. In fact, some of the biggest threats to wealth have little to do with investment returns and everything to do with planning.
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 not simply about deciding who inherits your assets when you pass away.
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 has changed. And yet—quietly, almost imperceptibly—it has.
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 could be lost to taxes and costs before your loved ones receive anything.
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 allowances are used. It’s when tax certificates are requested and numbers are confirmed.
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 forms:
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. Forecasts contradict each other. Political and economic uncertainty feels ever-present. Even disciplined investors find themselves wondering, “Am I positioned correctly for what’s coming?” Interestingly, this feeling shows up most strongly among people who are already […]
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 with confidence if you know the basics of the available options. In South Africa, when you retire from a retirement fund such as a pension, provident, preservation fund or retirement annuity, you can invest all […]
The flexible option
The living annuity is attractive because it offers flexibility, but if that flexibility is used without the necessary care, it becomes a disadvantage. Many people choose the living annuity because they want to leave capital to their children at their death, and they don’t like that life annuities do not pay capital at death. But […]
Managing your living annuity.
While there are no guarantees in investing, research shows that if you draw an income of no more than 4% you have a high probability of your income lasting throughout your retirement.