Lifestyle Financial Planning
An ETF is a listed investment product that tracks a defined index such as the JSE Top 40 which tracks the stock exchange’s top 40 companies. ETFs track JSE-listed shares which give investors exposure to multiple companies by investing in
It is important to note that the beneficiary’s disability must be formally diagnosed by a medical practitioner, must have lasted for a period of more than 12 months, and must be considered irreversible in nature.
Be sure to check the term of your policy. Death benefits can be purchased for a fixed term, such as ten or twenty years, or for whole of life. Similarly, some benefits, such dread disease and disability cover, cease at
If a couple is living together as ‘husband and wife’ but are not married, there is effectively no marriage capable of dissolution and there can be no transfer of pension interest benefit.
An uncontested divorce requires that the couple works together to agree to the terms of the divorce in respect of how their assets will be divided, how their children will be cared for, and what maintenance will be paid, if
A young couple entering into an ante-nuptial contract generally has very little net worth and, as such, often record their respective commencement values for accrual purposes as zero. However, for couples marrying later in life, their ante-nuptial agreements may be
While young and in the process of building wealth, it is essential to protect one’s greatest asset – your income. Your income allows you to service your debt, maintain your standard of living and fund for your retirement years.
There is a big difference between brokers who are financially incentivised to sell insurance policies, on the one hand, and financial advisors who charge a professional fee.
An incorrectly drafted clause in the divorce order can result in the fund rejecting the settlement agreement and refusing to pay out the pension interest – which in turn would require the non-member spouse to bring a costly court application
When determining whether or not to withdraw any funds from your RA, you will need to take into account factors such as whether you have debt, the interest you are paying on that debt, any large capital expenses or large
