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Frequently Asked Questions

Service delivered personally that will change your life.

When is the best time to start saving for retirement?

It is advisable to start funding into something such as a retirement plan with the very first pay-cheque and to continue doing so until you reach retirement. The effect of compounding interest increases dramatically with time. The sooner you are able to start the sooner your money will start working for you.

Why should I have a will?

So that you and not the government can decide who inherits your assets and you can decide who to appointment as your executor. By having a will you can nominate guardians for your minor children and not have the guardians fund decide for you.

What are unit trusts?

Unit trusts are investment vehicles where you can gain affordable and easy access to a range of asset classes such as Equities, Bonds, Cash, Property and Offshore investments.

What are the benefits of retirement annuity fund?

Apart from the obvious benefit of saving for your retirement, there are valuable tax savings.
You can deduct all your contributions to a RA (subject to certain limits)
Limits being; 27,5% of your taxable income or remuneration and R350,000 per year.
There is no tax payable on the income and growth earned on your investment until you retire.

What is a tax free investment?

You can earn a return from a tax free investment vehicle without paying any tax on the income and returns. You are allowed to save a maximum of R33,000 per year, or R500,000 over your lifetime in such an investment

Why should I have sickness or income protection cover?

Your ability to earn an income is your greatest asset and needs to be protected. Income disability cover pays a monthly income when you are unable to work as a result of illness or injury. This will enable you to still pay all your obligations and not place any financial strain on your family and loved ones.

Which medical aid is the best?

The medical aid that suits your health care needs and affordability the most effectively.
By taking care of your health, you are not only benefiting your own wellbeing but also supporting your financial wellness.
We identify the most appropriate benefits for individuals and their specific healthcare needs.

Can I afford to be without short term insurance?

The purpose of short-term insurance is to protect you against losses that you may suffer due to events such as accidents, crime, floods, fire etc. The purpose of short-term insurance is to place you in the same position you were in before the unforeseen event took place. It is not advisable to take the risk upon yourself when these likely events happen.


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