Dear Clients, In this newsletter, we will describe 4 common scenarios where having life cover is important and how best to structure it. Death can be an expensive affair and in this regard, here are few very important tax and legal fee considerations: Estate Duty The first R3,5 million of your net estate is free…
Dear Clients, In this newsletter, we will describe 4 common scenarios where having life cover is important and how best to structure it. Death can be an expensive affair and in this regard, here are few very important tax and legal fee considerations: Estate Duty The first R3,5 million of your net estate is free…
Dear Clients, While you may not already know, we are hoping that this letter will take a giant leap forward in emphasising our core WHY, or purpose, which is FINANCIAL WELLNESS. And what better way to show our commitment to Your, and Your Family’s, Financial Wellness, than by writing this High-Alert Message on Covid-19’s raising…
In the midst of the uncertainty and trying times we face, it is important to make sure that you are covered for every eventuality. As your financial adviser who takes care of your Life Insurance and/or Investment portfolio, you have entrusted me with making sure that your family’s financial and emotional needs are catered for…
“I feel I change my mind all the time. And I sort of feel that’s your responsibility as a person, as a human being – to constantly be updating your positions on as many things as possible. And if you don’t contradict yourself on a regular basis, then you’re not thinking.” – Malcolm Gladwell …
Here is a powerful piece by JP Landman, who consults to Nedgroup Private Wealth (Pty) Limited, which we found very encouraging. We hope that you enjoy it too. Remember to keep in touch with us, we’re here to help where ever we can through this tough time! Enjoy, Stuart and Jonathan The new coronavirus has…
In this post we wish to share some of our favourite financial product solutions and strategies. 1. The Power of Rand-Cost Averaging – Drip-feeding money into an investment to get a better average price and smoother return Basically, instead of braving the virtually impossible task of perfectly timing an entry into the markets, an investor…
In these tough times we hope that the following medicinal tips offer some comfort. The COVID-19 Crisis has been likened to the market crash caused by the 9/11 attacks, albeit on a wider scale. There is no doubt that the virus itself will be beaten and subside, but what the pandemic has unveiled is the…
With Coronavirus causing turmoil in investment markets globally we have seen significant market moves across asset classes over the past week. With such an event it is extremely difficult to estimate investment outcomes, however one trait is reasonably certain: our human bias for loss aversion, which is heightened when fear like this spreads. This fear…
In this newsletter we aim to demystify the term “formal emigration”, as there seems to be much confusion. Some brief points on formal emigration First, it is important to know that residency from a tax perspective (as defined by SARS), a citizenship perspective (as per Home Affairs) and residency from the Reserve Bank perspective (according…
You can reduce the tax you need to pay and also earn tax free returns if you make use of the tax efficient tools available to you. In order to maximise the benefit, you need to invest before February 29th 2020. Here is a brief list of what’s available and the major benefits: Retirement Annuities…
