Educating a child from Pre-school to University can be a daunting for new parents, particularly if private schooling is your desire but is essential in a Country where the cost of Education is far outstripping inflation. I am referring to the top South African Private schools that are not boarding schools...

For most people low interest rates are a God-send that frees up cash, allows them to reduce the capital of their debts and buy those things they previously could not afford when interest rates were higher. For those who depend on their retirement income on the other hand, low interest rates can have...

At this time of year most of us take stock of our financial position and set goals to improve our financial position in the year ahead. There are a few very simple strategies that we can all use in order to reach our financial goals in the new year that are both effective, and once implemented, are painless...

People in South Africa are getting a little panicky about calls for Nationalization of mines and banks and with the recent ratings downgrade of South Africa this is becoming more of an issue. Retirement Fund managers are finding themselves in a quandry with investors seeking returns way above inflation...

Investments and investing have become very technical, each different investment opportunity having it’s positive and negative sides dependent on your station in life and as we progress through life the investments that were suitable in our twenties now need to be adjusted, moved or reinvested in...

There are so many out there offering advice on how to invest money, each with their own theory and investment model which is “guaranteed” to give you a return of X% but when it comes to your retirement you don’t want some fancy scheme that may offer you a return higher than the markets...

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...

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...

In recent months the financial services ombud has received a lot of coverage for the work they do in protecting the rights of investors who have been mislead by financial advisors and in particular cases that involve unlisted shares. The promise of huge returns when a company lists on the stock exchange...