The Unknown unknowns.
This past month we saw one of the bloodiest and fastest market collapses since 2008. And we still need to brace for whatever the coming weeks will bring, luckily there have been some retraction but that might be short lived in extremely volatile market. The corona...
Asking the hard questions
In the tough financial and economic times that we find ourselves in, the most astonishing thing that I see on a day to day basis is that clients make investments or pay their monthly retirement annuity contributions for years and years without asking one of the most...
Our 2020 forecast
It’s the start of the year and strategists and economists have announced their forecasts for 2020. Like every year, there’ll be plenty of predictions telling us what we can expect markets to do in the upcoming year, a few so outrageous in their optimism or pessimism...
The secret that nobody tells you about life insurance
The secret that nobody tells you about life insurance. I recently did an R 1m life insurance quotation for a woman aged 62. When it comes to life insurance you have various options on how aggressive your premium and your cover amount must grow. The sad reality is that...
Tailormade Life Insurance
Tailormade Life Insurance Most life insurance products are sold as a “one size fits all” solutions, but the truth is that your needs differ significantly from the person next to you. Your life insurance needs also change drastically depending on the stage of your...
Good advice versus good products
Good advice versus good products facebook Clients are being confronted with this dilemma on a regular basis, and in most instances unknowingly. In the era we live, people are seeking tangible and immediate benefit and reward. With good marketing, people are often...
Trust me on this
Trust me on this facebookTrusts are often seen as the be all and end all of estate planning. People see trusts as the silver-bullet of estate planning, but the truth is that only a handful of people will truly benefit from setting up a trust. Having a trust just...
Married with accrual – why it matters
Married with accrual - why it matters facebook How you are married has huge implications whilst you are alive and when you die. In 1984, the matrimonial property regimes in SA were amended. Since then there have been three marriage regimes in South Africa. A marriage...
30% Return on investment – guaranteed
30% Return on investment - guaranteed facebookThe number of opinions on how you should save for retirement are as many as there are people gathered around the braai. Unfortunately, many of these pieces of advice are based on hearsay or tradition, without sound...
