Investing
Income protection is a form of long-term insurance which is designed to replace your income if an illness or disability renders you unable to earn your income either temporarily or permanently. While many consider this type of cover to be
Most of us nominate our beneficiaries when first taking out a policy but seldom check that those nominations remain appropriate to our changed personal circumstances. Check your latest insurance policy to make sure that your nominated beneficiaries reflect your wishes.
Endowments are complex investment policies that generally cater for investors with a marginal tax rate of 30% or more and can also make useful estate planning tools. As the policyholder, you can elect who the life assured and nominate beneficiaries
The non-payment of maintenance forces many single mothers to incur ongoing legal costs and enter a cycle of debt – exacerbated by having to take time off work to attend maintenance court which in turn causes further loss of income
When receiving an email, check the spelling carefully. Often an email appears to come from a well-known company but if you look closely at the email address there is one digit that has been subtly changed.
To ensure that any funds or assets intended for your minor children are not transferred to the Guardian’s Fund for administration, you can use your Will to set up a testamentary trust. This type of trust is automatically founded on
Real Estate Investment Trusts (REITs) own income-producing property such shopping centres, office blocks, factories, warehouses, hotels and student accommodation, to name just a few. REITs provide investors with a lower-risk investment model with a diversified portfolio of properties. REITs are
In the context of financial planning, many people tend to overestimate their own ability to manage their financial affairs which often results in financial loss in the form of excess investment fees, higher tax liabilities, and other avoidable costs.
Your accrual contract continues to apply after the death of the first dying spouse, at which point the accrual will come into account. The executor of the first dying spouse’s deceased estate will need to calculate the increase in the
When the Repo rate was slashed during “lockdown”, many South Africans took advantage of this low-interest-rate environment to purchase property with what was seen to be cheap home loan financing. The worry moving forward is that the SARB have indicated
