NEWSROOM

Why Your Marital Contract Really Matters

It’s normal not to want to prepare an antenuptial contract, as it feels like you’re preparing for divorce – absolutely the last thing you want to think about when you’re caught up in the thrill of planning a wedding.

Read on for an overview of the choices available to you – and their financial consequences.

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WHAT’S COOKING WITH THE THREE-POT SYSTEM?

The much talked about two pot system for retirement savings hasn’t even come into being. And now government’s proposing a three-pot system (although they’re still calling it a two-pot system).
Read on for an in-depth discussion of the pros and cons of the pending changes to retirement planning in South Africa.

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What is True Wealth?

When people talk about wealth, they tend to think of material possessions. But true wealth requires a mindset that goes beyond just accumulating money.

Read on to learn how to think differently about wealth and why it is about more than just your finances.

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Why an Endowment is One of the Best Ways to Invest Offshore

The South African economy represents less than 1% of global economic activity and returns on local equity have been average over the last few years.

Investing offshore – over and above the contributions to your local retirement fund – is crucial. A healthy portfolio should be split across regions and currencies to hedge against the depreciating rand, and to gain from higher economic growth in other jurisdictions. But with Regulation 28 blocking the way, what other options do you have?

This month we explain how endowments work.

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Loss Aversion and Lifestyle Creep – How Behaviour Influences Saving

The biggest obstacle to growing your wealth has nothing to do with the stock market – it has to do with you. More specifically, the choices you make about your lifestyle and your saving habits.
Achieving financial freedom is a personal journey that involves lots of little behavioural changes over time.
These small changes can make all the difference in the long run.

READ MORE

Women’s Month: Three Ways You Can Improve Your Money Health

More and more people are becoming aware of the importance of financial wellbeing. Just like it’s necessary to look after your physical health, it is critical to be proactive about taking care of your financial health as well.

In Women’s Month, it’s worth considering why this is a particularly important topic for women. Often, they find it harder to take care of their financial wellbeing because of the different demands on their money and their time.

In this article we look at what makes financial wellbeing for women so important and examine three ways they can move towards a healthier relationship with their money.

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How Relevant Is The 4% Rule of Thumb These Days?

Generations of financial planners have advised their clients to use the 4% rule when planning retirement withdrawals. But is it still relevant today?

This article explains that, while the 4% rule can be a good way to think about how much you will need to save for retirement, it can never replace a proper financial plan.

Like most rules of thumb it’s not completely worthless – but it’s also not the answer to a happy and prosperous retirement. Planning your retirement is probably the biggest financial decision you’ll ever have to make so please do consult a qualified financial planner.

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Estate Planning for your UK and US Assets

Understanding the Tax Implications of investing internationally Investing some of your wealth internationally is becoming increasingly attractive and to a large extent non- negotiable from a diversification point of view. However, it’s important to understand the small print to make sure your assets are protected and that there aren’t any

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TIPS FOR INVESTING OFFSHORE IN A SITUS-EFFICIENT WAY

To avoid incurring unnecessary taxes arising on death, South Africans investing offshore should always consult their Wealth Advisors and Tax Professionals and ensure that they understand international tax law, before making decisions. Investing through an offshore trust or an offshore company may in certain instances mitigate situs exposure. However, this

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OWNING ASSETS IN A FOREIGN COUNTRY

Is there a need to have a separate will? More and more South Africans own assets in foreign countries and clients often ask whether they need to have a separate will for those assets. While many people choose to have a single worldwide will, this is not always the best

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10 Factors to consider when buying an investment property

1. What do you want to achieve? Purchasing an investment property is a business transaction and is merely a bricks and mortar vehicle that enables you to achieve pre-defined financial goals. Before purchasing a property, it is important to identify your end goal and then formulate a plan to get

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Retirement planning: 7 Ways of maximizing after-tax returns

The benefits of Tax-Free Savings Accounts and Retirement Annuities   Tax-Free Savings Accounts Tax-Free Savings Accounts (TFSA) allow you and your family to set money aside and watch those savings grow, tax-free, throughout your lifetime. Making a TFSA work for you to your best advantage, and within the context of

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Why Your Marital Contract Really Matters

It’s normal not to want to prepare an antenuptial contract, as it feels like you’re preparing for divorce – absolutely the last thing you want to think about when you’re caught up in the thrill of planning a wedding.

Read on for an overview of the choices available to you – and their financial consequences.

READ MORE
WHAT’S COOKING WITH THE THREE-POT SYSTEM?

The much talked about two pot system for retirement savings hasn’t even come into being. And now government’s proposing a three-pot system (although they’re still calling it a two-pot system).
Read on for an in-depth discussion of the pros and cons of the pending changes to retirement planning in South Africa.

READ MORE
What is True Wealth?

When people talk about wealth, they tend to think of material possessions. But true wealth requires a mindset that goes beyond just accumulating money.

Read on to learn how to think differently about wealth and why it is about more than just your finances.

READ MORE
Why an Endowment is One of the Best Ways to Invest Offshore

The South African economy represents less than 1% of global economic activity and returns on local equity have been average over the last few years.

Investing offshore – over and above the contributions to your local retirement fund – is crucial. A healthy portfolio should be split across regions and currencies to hedge against the depreciating rand, and to gain from higher economic growth in other jurisdictions. But with Regulation 28 blocking the way, what other options do you have?

This month we explain how endowments work.

READ MORE
Loss Aversion and Lifestyle Creep – How Behaviour Influences Saving

The biggest obstacle to growing your wealth has nothing to do with the stock market – it has to do with you. More specifically, the choices you make about your lifestyle and your saving habits.
Achieving financial freedom is a personal journey that involves lots of little behavioural changes over time.
These small changes can make all the difference in the long run.

READ MORE
Women’s Month: Three Ways You Can Improve Your Money Health

More and more people are becoming aware of the importance of financial wellbeing. Just like it’s necessary to look after your physical health, it is critical to be proactive about taking care of your financial health as well.

In Women’s Month, it’s worth considering why this is a particularly important topic for women. Often, they find it harder to take care of their financial wellbeing because of the different demands on their money and their time.

In this article we look at what makes financial wellbeing for women so important and examine three ways they can move towards a healthier relationship with their money.

READ MORE
How Relevant Is The 4% Rule of Thumb These Days?

Generations of financial planners have advised their clients to use the 4% rule when planning retirement withdrawals. But is it still relevant today?

This article explains that, while the 4% rule can be a good way to think about how much you will need to save for retirement, it can never replace a proper financial plan.

Like most rules of thumb it’s not completely worthless – but it’s also not the answer to a happy and prosperous retirement. Planning your retirement is probably the biggest financial decision you’ll ever have to make so please do consult a qualified financial planner.

READ MORE