Lifestyle Financial Planning
Being notoriously poor market timers, many investors compromise their investment outcomes because they are not invested when markets start to rebound, only getting back into the markets once the bulk of the gains have been made. From our experience, investors
If you are formally employed and enjoy group benefits, it is likely that your group cover includes an income protection benefit. The advantage of group life cover is that it makes long-term insurance cover accessible and available to those who
Do everything you can to encourage their entrepreneurial ambitions by allowing them to share their ideas without fear of ridicule. Avoid responses such as ‘you’ll never make money doing that’, ‘you can’t make a career out of that’, or ‘that’s
Where beneficiaries have been nominated on the investment, funds housed in a living annuity do not form part of your deceased estate and can be efficiently transferred to your loved ones in the event of your death.
As trite as this may sound, not knowing where your money is going each month can be a huge source of anxiety. Too many bank accounts, retail accounts, debit orders and budgetary expense items can leave you feeling out of
The death of the first-dying spouse is regarded as a disposal for capital gains tax purposes. Where the first-dying spouse bequeaths his/her share of the joint estate to the surviving spouse, the surviving spouse is treated as having obtained the
In circumstances where an investor is likely to incur his expenses in foreign currency, it may make sense for that investor to build an offshore portfolio in the jurisdiction in which he intends to live and spend – which would
Living annuities do not fall under the scope of the Pension Fund Act and are therefore not subject to Regulation 28 and, as such, there is no limit to the amount of foreign exposure you may hold in your living
