Lifestyle Financial Planning
Our ability to afford dread disease cover both now and into the future is paramount, so pay particular attention to your premium pattern and how you can expect your premiums to escalate over time. Importantly, ensure that your dread disease
When it comes to divorce, the process in a community of property marriage is relatively simple as it involves the joint estate being equally divided between the two spouses. The only exception to this is where one spouse brings an
A significant benefit of having a credit card is that it can be used internationally, providing travellers with a cashless option when making international transactions. However, before swiping your card abroad, make sure that you understand what international transaction fees
Essential money skills such as budgeting, forecasting and basic money management are very often not taught at home or at school. Not understanding how compound interest can either work for or against you often leaves people consumed by debt and
Depending on the nature of their retirement income, the death of the first spouse may impact their retirement income and it is important to understand what the surviving spouse would receive in terms of income going forward. It’s also important
key function of a multi-manager is to research and analyse the various funds offered by the different asset managers, and then build a portfolio in line with a specific investment mandate. A multi-manager does not handle invested funds but rather
Once finalised, the L&D Account is lodged with the Master where it is required to lie for 15 days to allow for queries. Anything pertaining to the L&D Account can be queried via a query sheet and the executor is
If you have been awarded capital as part of your divorce settlement, you’ll likely want to take steps to protect and grow this capital. If you’re awarded a portion of your spouse’s pension interest, you have the option to withdraw
Research is clear: most investors who try to time the markets underperform against those who stick to their long-term investment strategy.
