"The less you have, the more impactful a smart financial plan can be. It's about building a roadmap to create wealth on your terms by leveraging the one resource everyone has an equal amount of... time," says Kashif Noor, Head of Retail Distribution…
“The value a trusted adviser brings, stems from their ability to engage with the client’s lived experience. This emotional intelligence allows them to support clients during sensitive moments that an algorithm cannot touch, whether that involves…
"While the proposal is aimed at providing short-term relief for financially beleaguered South Africans, it may have unintended consequences for the long-term preservation principles that sit at the heart of retirement reform," says Ronald King,…
The most immediate shock to the consumer will be felt at the fuel pump from early April. Because fuel is a fundamental input in the agricultural and logistics sectors, higher transport costs inevitably translate into increased prices for groceries,…
"Few life events test judgement like retrenchment or a job loss. When your salary stops, anxiety spikes, and so does the temptation to tap into retirement savings. The problem is that a withdrawal is not just a once‑off dip into capital; it…
"When conflict happens in regions linked to global energy supply, oil prices often rise because of uncertainty around supply. South Africa imports most of its fuel, which means higher global oil prices can eventually translate into higher petrol…
"Drafting your will doesn’t require wealth or advanced age. It requires the simple acknowledgment that nothing lasts forever, and planning ahead is the ultimate act of care. Much like wearing a seatbelt when we travel, it’s something you hope…
“In times of economic uncertainty, it becomes increasingly important to stay close to your financial adviser so that you can avoid making major financial decisions without proper guidance, which could have a long-lasting impact on your financial…
So, what happens if you cannot sign your will with the conventional pen on paper? Does this mean having no say in what happens to your assets? Thankfully, it does not, says Deenisha Nadesan, Managing Director of Fiduciary Services at Capital…
“Too many people jump into opening joint accounts, sharing credit facilities or funding a lifestyle upgrade without any set structure in place. But love doesn’t guarantee legal protection," notes Bianca Strydom, PSG Financial Adviser.
"It is important to remember how contributions are now treated. Two-thirds of every contribution is allocated to your retirement component and one-third to your savings component, with only the latter being accessible as cash, either once per…
"Top up your retirement savings. Top up your tax-free. Scrape your purse for any loose rands. As if anyone still carries cash. And all this must happen before the last day of February every year," says Pieter Albertyn, Head of Product Solutions…
"Lower inflation means the rand in your pocket goes further today, your savings grow faster over the years, and when you finally retire, you can live the life you planned for - without constantly worrying about rising costs. That's why this…
"When people think about saving, they often imagine cutting out all discretionary spending. But meaningful progress doesn't require extreme measures. In many cases, freeing up investment money comes from rethinking your habits rather than eliminating…
Insurance Biz is a New Africa Busines News Services (NABNS) publication launched in 2013 to focus on the insurance industry, investments, financial planning, employee benefits etc. It remains a great resource of news for industry professionals, and for those who seek to learn about the financial sector developments.
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