Stienemarié Bonsma-Potgieter, Author at Galileo Capital

Why Long-Term Investors Need Perspective During Short-Term Noise

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Investing is often described as a rational process shaped by facts, data, and careful decision-making. In reality, it is far more human than that. Every investor brings emotion into the process, whether they realise it or not. Fear, doubt, impatience, and even optimism influence the way people respond to[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner In many households, one parent manages the finances. One pays the bills, monitors the accounts, and makes most of the decisions, while the other keeps the household running. Often that second parent has stepped back from paid work to raise children, or may simply not feel equipped or confident[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner For many households, the pressure is constant. Groceries cost more than they used to, school and childcare expenses rise every year, and essentials like fuel, insurance, and medical cover seem to increase all at once. Even families who have always managed their money carefully are finding that it feels[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner When it comes to money, few words spark as much debate as “risk.” Some people treat the share market like a casino. Others avoid investing altogether for fear of losing what they’ve worked hard to save. The truth sits somewhere in the middle. Understanding the difference between gambling and[...]

by Stienemarié Bonsma-Potgieter
Posted on October 28, 2025
in Budgeting, Financial planning, Investing

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Spring is the season of fresh starts. Just as you might clear out cupboards or tidy the garden, it’s the perfect time to give your finances the same attention. A financial spring clean helps you see where you stand, fix what’s out of order, and set up good habits[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Financial independence is a cornerstone of personal freedom. For women, this is especially important. Too often, financial planning gets delayed or left in someone else’s hands. The reality is that every woman needs her own unique plan. A financial plan is more than a savings account or a retirement[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner When it comes to investing, the terms “product,” “portfolio,” and “plan” are often used interchangeably. They are however not the same thing. Understanding the differences between these concepts can help you make better decisions about your financial future. What Is an Investment Product? An investment product is a vehicle[...]

by Stienemarié Bonsma-Potgieter
Posted on May 30, 2025
in Finance, Financial planning, Investing, Retirement

by Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Many people find themselves thinking about common questions regarding the financial landscape and how it affects their investment portfolio. What can we expect from the markets this year? Will the Rand strengthen or weaken? How will interest rates move? Additionally, with significant global events, such as the potential[...]

by Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Tax-free investments are one of the most effective ways to grow your wealth in South Africa without the burden of paying tax on your returns. If there is anything like a free lunch when it comes to investing, then a Tax-free Investment would be it. Let’s explore how[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Welcoming a child into your life is one of the most joyful and transformative experiences. It also comes with new responsibilities, especially when it comes to financial planning. Here are three key steps to take to ensure your child’s future is secure and your family’s needs are covered. 1.[...]

Author: Stienemarié Bonsma-Potgieter

Why Long-Term Investors Need Perspective During Short-Term Noise

How to Make Everyone in the Household Feel Secure About the Family Money Plan

What to Do When Everything Feels Too Expensive

Gambling vs Investing: Building a Portfolio That Lasts

Spring Cleaning Your Finances: How to Get Organised Before the Year-End Rush

Money and independence: Why every woman needs her own financial plan

A Product, a Portfolio and a Plan

Invest in Preparedness, Not Prediction

Unlock Your Wealth Potential with Tax-Free Investments

Essential Steps For All New Parents

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Author: Stienemarié Bonsma-Potgieter

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