Investing
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
From 1 March last year, provident funds are subject to the same rules at retirement as pension funds and retirement annuities, except whereas a provident fund member you were age 55 or older at that date and you remain a
Anchoring bias in the context of investment often happens when investors place too much importance on the initial information they received, creating a psychological benchmark or reference on which all future decisions are made. Anchoring happens to us all the
Direct offshore investing can be used effectively if you intend to access the money in the offshore jurisdiction in which you are invested, such as if you plan to retire abroad or send your children to an overseas university. Direct
We all know that medical inflation outstrips consumer inflation by around 3% - 5% per year, and it is, therefore, essential that you build these increases into your post-retirement budget. However, there are a number of other factors that should
