Financial planning and the products that are on offer from the various financial institutions carry a commission for the financial planners or agents that sell these products and of course will always find a way to encourage you to take a product that both serves your needs but at the same time offers...

By all indications from the reserve bank and analysts in South Africa we are nearing the end of the low interest rate cycle and can expect to see interest rates increase late 2011 or early 2012 and if you have been paying attention to profiting in low interest environments, you will be well prepared...

When we find ourselves in in difficukt financial circumstances we often do not take the time to consider the implications of cashing in our retirement savings. The need to cover our expenses and maintain our lifestyle is often a very strong motivation to cash in retirement savings but there are serious...

Living annuities are designed to produce sufficient income for you during your retirement to enable you to continue living in the manner to which you have become accustomed, to maintain this level of income up until your death and to provide long term growth. The key to achieving these aims is to carefully...

The allocation of funds to ones beneficiaries varies between the different types of funds and while some attract Estate duties, others do not. In some cases even your last will and testament can be over ridden by trustees of certain types of funds with the emphasis being on the needs of dependents. Unit...

For the vast majority of South African’s the chances of retiring financially free are as good as their chances of winning the lottery unless they take control of their own financial future ans start saving today. These may sound like harsh words but the fact is that with a savings rate at less...