"When conflict happens in regions linked to global energy supply, oil prices often rise because of uncertainty around supply. South Africa imports most of its fuel, which means higher global oil prices can eventually translate into higher petrol…
"Drafting your will doesn’t require wealth or advanced age. It requires the simple acknowledgment that nothing lasts forever, and planning ahead is the ultimate act of care. Much like wearing a seatbelt when we travel, it’s something you hope…
“In times of economic uncertainty, it becomes increasingly important to stay close to your financial adviser so that you can avoid making major financial decisions without proper guidance, which could have a long-lasting impact on your financial…
So, what happens if you cannot sign your will with the conventional pen on paper? Does this mean having no say in what happens to your assets? Thankfully, it does not, says Deenisha Nadesan, Managing Director of Fiduciary Services at Capital…
“Too many people jump into opening joint accounts, sharing credit facilities or funding a lifestyle upgrade without any set structure in place. But love doesn’t guarantee legal protection," notes Bianca Strydom, PSG Financial Adviser.
"It is important to remember how contributions are now treated. Two-thirds of every contribution is allocated to your retirement component and one-third to your savings component, with only the latter being accessible as cash, either once per…
"Top up your retirement savings. Top up your tax-free. Scrape your purse for any loose rands. As if anyone still carries cash. And all this must happen before the last day of February every year," says Pieter Albertyn, Head of Product Solutions…
"Lower inflation means the rand in your pocket goes further today, your savings grow faster over the years, and when you finally retire, you can live the life you planned for - without constantly worrying about rising costs. That's why this…
"When people think about saving, they often imagine cutting out all discretionary spending. But meaningful progress doesn't require extreme measures. In many cases, freeing up investment money comes from rethinking your habits rather than eliminating…
"A financial adviser can help you structure your savings by using a retirement annuity, which may reduce your taxable income, and a tax free savings account, which allows investment growth to occur without tax," says Desiré Pauw, Executive:…
"Advisers play a critical role in helping customers address these risks by reviewing household budgets, strengthening liquidity planning, and sequencing financial goals appropriately. This structured approach helps customers balance short-term…
“The good news is that there are practical, legal steps you can take before 28 February to reduce your tax, strengthen your savings, and boost your retirement plan. Even if you haven’t saved as much as you would have liked this year, small,…
"Reviewing your investments more regularly - preferably at least annually, but ideally quarterly - is a money habit that could change South Africans' long-term futures, particularly if they pay attention to costs," says Andre Tuck, team leader…
"Many couples assume that signing an antenuptial contract at any point will redefine their financial arrangements and protect both parties. This judgment makes it clear that timing matters, and antenuptial contracts should be signed before marriage,"…
Insurance Biz is a New Africa Busines News Services (NABNS) publication launched in 2013 to focus on the insurance industry, investments, financial planning, employee benefits etc. It remains a great resource of news for industry professionals, and for those who seek to learn about the financial sector developments.
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