Let’s face it, retirement planning isn’t always the most thrilling topic. But if you knew there was a simple way to pay less tax, protect your capital, and give your future self a serious financial boost, would you do it? Well, there is and it’s called making...
For South African investors looking to grow their retirement savings tax-efficiently, offshore endowments (also called investment wrappers) offer a compelling solution. These structures combine investment growth with tax benefits, making them popular among...
As a retiree or someone nearing retirement in South Africa, you may be concerned about the stability of your hard-earned savings. With global economic uncertainties—such as potential Trump tariffs, fluctuating exchange rates, and local market volatility—many South...
For retired people who need to renew passports or get the new ID cards, the idea of going to a Home affairs branch and waiting in endless queues is a daunting task. Firstly the home affairs offices are not that easily accessible, parking is a problem and well, some f...
Pension fund bridging finance lenders advance a portion of the expected payout to help cover immediate financial needs. The bridging finance industry is often high risk which means the terms are going to be favourable to the lender with a high cost of lending...
The value of unclaimed benefits of around R88 Billion is owing to beneficiaries of various policy/investment types and a concerted effort is being made to distribute this money to the rightful beneficiaries. An injection into the economy of this money will do wonders...
The average age at death worldwide, often referred to as life expectancy at birth, has significantly increased over the last 100 years due to advancements in healthcare, sanitation, nutrition, and living conditions. Below is an approximate overview of global...
What you need to consider when investing for retirement Target Amount You aim to have accumulated an amount that will afford you the lifestyle you deserve at your desired retirement age. This gives you a goal to work toward and should be discussed and calculated with...
Debt can feel like a crushing weight, especially when it comes from multiple sources—mortgages, credit cards, student loans, and store cards. It’s easy to feel trapped in a cycle where minimum payments seem never-ending, and the overall debt keeps growing. But...
What is a credit score? We have all seen the ads with the two guys sitting on the couch watching TV and discussing credit scores. Your credit score is an indicator of how much of a risk any lender will have to take by lending you money or providing you with finance...
Taking out a loan against your pension fund capital or retirement savings in other investment portfolios is possible but their are a lot of hoops to jump through with the fund administrators, even if the fund rules allow for a loan against the capital amount in your...
Many people lost large portions of the retirement savings by investing in the Sharemax scheme which has highlighted the position you may find yourself in as you enter retirement age. The sharemax scheme may have been a monumental blunder by regulators and the NPA...