Sue Torr
Too many people begin their wealth-building journey by focusing solely on investments, overlooking the foundational role of risk protection. But, insurance – while rarely exciting – is the cornerstone of financial resilience.
Retirement used to come with a built-in safety net — the reassurance that one’s children lived close enough to step in when needed. Today, for many older South Africans, that net has stretched across oceans. With spouses deceased or in
Selecting retirement accommodation involves more than just downscaling. Factors such as proximity to medical facilities, social engagement, personal security, and assisted living facilities all need to be considered. It’s also important to appreciate that maintaining your own home at age
When you articulate what you want most—whether it’s financial independence, early retirement, funding your children’s education, or leaving a legacy—you create a benchmark against which all spending decisions can be measured.
No investor consistently gets market timing right. Attempting to pinpoint highs and lows not only creates anxiety but also risks missing the strongest days of recovery, which historically tend to occur very close to the weakest. Instead of trying to
We all know that human beings are not purely rational when it comes to money. Being naturally drawn to instant gratification, behavioural research shows that most people value immediate rewards for more highly than future ones — a tendency that
Most young professionals are aware that insurers will ask about cigarette smoking. Fewer realise that modern underwriting questionnaires now include explicit questions about vaping, e-cigarette use, cannabis consumption, and recreational drug use.
While financial projections can model inflation, returns, and drawdown rates, they struggle to anticipate the non-linear costs of ageing. Bear in mind that while life expectancy tables may predict averages, life itself doesn’t follow averages.
One of the hardest realities of divorce is that the same pool of income and assets now has to support two households instead of one. There are two sets of rent or bond repayments, two sets of utilities, furnishings, insurance
