Insights • Affluence Group

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...

The eighth wonder of the world

The eighth wonder of the world facebook Today I would like to illustrate to you something very simple, but very powerful. I have worked on a brilliant illustrator to demonstrate the value of time and compounding interest. To show the effect consider the following...

Planning for income post retirement

Planning for income post retirement facebook After 40 years of service as a teacher, my father has decided to retire at the end of this year. I can clearly see that the financial decisions at retirement are very daunting to him. I believe that the main reason being,...

The discussion everyone avoids

The discussion everyone avoids facebook Talking about your last Will and Testament can sometimes be so daunting for people that they rather decide not to have the discussion at all. In the process not realising what the implications will be for the love one’s they...

1% can make all the difference!

1% can make all the difference! facebook The difference between good and great investment advice can sometimes be as small as 1%, but what difference can 1% actually make? In the first of two examples, to illustrate the point, a 25-year-old saves R 2000 p/m until the...

Offshore Investing

Offshore Investments facebook Unfortunately, South Africans have a history of panicking when the Rand weakens sharply and responding by taking money offshore. This is a typical investment rookie mistake as the timing of moving money offshore when the Rand has weakened...

Education is optional

Education is optional facebook If you disagree with the heading, then you will most likely agree that the best gift any parent can give to their children is the opportunity to obtain a good education and a tertiary one if possible. You will furthermore be very...

Never take your health for granted

Never take your health for granted facebook It is a general human habit that we only really start to appreciate the value of something when we either don’t have it anymore, or we are in the process of losing it. And this can be true with most things we have, but none...