Financial Planning

Why you need life cover if you have a bond

When applying for a home loan, one vital aspect to carefully consider is life cover or mortgage protection cover. This will ensure that you can continue to provide your dependants with a roof over their head if you pass away, or become disabled and cannot work. If you are the main income earner, but don’t […]

Business assurance matters

It is highly advisable that anyone who runs their own business takes out business assurance, which is a broad term for a range of life assurance products that are designed to cover various scenarios and requirements. Running a successful business often takes considerable financial investment, but many business owners fail to plan for what happens […]

International Day of Families

In 1993, the United Nations General Assembly proclaimed that 15th May should be observed each year as the International Day of Families. The aim of this annual observance is to increase awareness of family-related issues, and to help countries to tackle these problems with comprehensive policies. The United Nations states that this day “reflects the […]

Life has three constants

Navigating today’s complex world can be challenging, and acting in an effective manner can help you to thrive in our current reality. However, research has shown that many people are not thriving in modern times or feeling fulfilled. Every individual has the potential for greatness but, in order to excel in our environment, we may […]

The power of positivity and a good plan

Have you ever told yourself, “When I have more money, I’ll be happier”? How about, “I’ll never be able to pay off this debt”? These sort of toxic money thoughts are holding you back from financial success – and happiness! A good financial plan needs to be attainable and measurable, those expressions are neither. The […]

South Africans lack confidence when it comes to finances

Most South African consumers feel challenged by their finances, with relatively few saying that they are highly successful at sticking to their financial goals or are knowledgeable about financial matters. This was revealed when the Financial Planning Institute of Southern Africa (FPI) conducted a nationwide survey, in conjunction with the Financial Planning Standards Board (FPSB) […]

Retail Distribution Review – Prepare for advice fees

For the first time in South Africa, financial advice is set to become a billable service. Known as the Retail Distribution Review (RDR), the first phase will be implemented later this year (2016), introducing some significant changes for both consumers and financial advisors alike. As with all change, some sound preparation and a positive outlook […]

Another 5 Financial Reflections for 2016

Looking forward to another year of financial success means embracing monetary mistakes of the past. More importantly, you need to be honest with yourself about where you currently are and where you want to be. Here are another 5 Financial Reflections from 2015, for 2016: Don’t let yourself be pressured into buying designer goods Branding […]