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Benefits and Risks of Living Annuities and Life Annuities

Benefits and Risks of Living Annuities and Life Annuities
Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Retirement is a significant life transition that comes with many uncertainties and decisions. You need to consider your income needs, how you want to spend your time, and where you want to settle. Additionally, shifting from contributing to investments to drawing income from them requires a major mental adjustment.[...]
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Taking a Long-Term View

Long-term and short-term views
Jonathan Theunissen, CFP® – Financial Planner The Pitfalls of Short-Term Investment Tracking An interesting contrast exists in the world of investments: while property investors rarely fixate on annual valuations, many equity investors obsessively track their portfolio’s short-term performance. This behaviour is not only counterproductive but also misaligned with the fundamental principles of successful long-term investing.[...]
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Navigating the Two-Pot Retirement System: Integrating It into Your Financial Plan

the two-pot system
Katlego Mei CFP® – Financial Planner We are halfway through the year, and the time is approaching when the two-pot system will become effective. The introduction of the two-pot retirement system on September 1, 2024, aims to provide retirement fund members with more control and flexibility over their retirement investments. This system allows you to[...]
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Better navigating uncertain times

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner In the wake of South Africa’s recent election, we find ourselves navigating a period of significant uncertainty. During such times, making sound financial decisions to secure our future becomes crucial. This article was inspired by a quote I recently came across at a function, “The best long-term investors are[...]
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The Benefits of Offshore Endowments for Financial Planning

By Jonathan Theunissen, CFP® – Financial Planner An offshore endowment can be a strategic addition to your investment portfolio, offering substantial tax and estate-planning benefits. This investment vehicle is particularly suited for those seeking to diversify their assets internationally while optimizing their financial planning. Here, we explore the key benefits and features of an offshore[...]
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Protecting Yourself Against Panic When Markets Fall

By Katlego Mei, CFP® The stock market can be unpredictable, causing sudden and dramatic changes in value that can leave even experienced investors feeling anxious and uncertain. When markets are falling, it’s natural to feel a sense of panic and uncertainty about the future of your investments. Emotions such as fear, greed, and anxiety can[...]
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Balancing retirement and discretionary investments to achieve financial harmony

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner On the road to financial freedom, it is easy to become fixated on retirement savings, often at the expense of other valuable investment opportunities. While prioritising retirement funds is an important building block for long-term planning, relying solely on them can limit your financial flexibility and overall well-being. The[...]
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Invest For Growth When You Are Near Retirement.

By Warren Ingram, CFP® Co-founder of Galileo Capital. It is common for investors to think that they should reduce the risk of their investments as they approach retirement. The primary motivation is to protect the precious capital that investors have accumulated over their careers. Unfortunately, selecting the certainty provided by low-risk investments at retirement could[...]
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The Benefits of Consolidating Investments onto Fewer Platforms

Consolidating Investments
By Jonathan Theunissen, CFP® – Financial Planner The Benefits of Consolidating Investments onto Fewer Platforms  In the intricate world of wealth management, the strategic consolidation of investments onto fewer platforms can offer substantial benefits, particularly for high-net-worth families and individuals. Streamlining your investment holdings not only simplifies your financial life but also enhances cost efficiency and[...]
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