Financial planning isn’t only about facts, figures and market returns. It’s a process that we follow to give you financial wellness which re-frames your wealth and perceptions to add meaning and joy to your life. Financial wellness provides you with a sense of security and very significantly, freedom of choice. Here are some of the…
On Thursday, 7 February 2019, the President of South Africa, Cyril Ramaphosa, delivered his second State of the Nation Address (SONA) since taking office on 15 February 2018. Ahead of the event there was a lot of media speculation (locally and internationally) and debate about the likely content and tone of Ramaphosa’s speech, especially ahead…
In this newsletter, we discuss human behaviour and how biases and pride may work very hard against achieving financial freedom in retirement. We look at loss aversion, lifestyle creep, and very importantly how to manage your salary increase. It’s those little changes in our behaviour, such as implementing a debit order auto-escalation for investment contributions,…
We’re nearing the end of the year and it’s time to think tax! And this time, it’s happy tax planning. The taxman doesn’t give us many breaks and when he does, we should embrace them. In this article, we remind you to plan well in advance for your RA and Tax-Free savings account top-ups. …