Stienemarié Bonsma-Potgieter, Author at Galileo Capital

What financial planning actually means

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Many people hear the words “financial planning” and immediately think of investments. They picture unit trusts, retirement funds, market performance and charts showing whether their money has grown. Investments are part of financial planning, but they are only one part. Real financial planning is about connecting your money to[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Diversification is one of the most common principles in financial planning. Most investors have heard the phrase, “don’t put all your eggs in one basket.” It is simple, familiar and true. But it does not fully explain what diversification means when you are building an investment portfolio. True diversification[...]

by Stienemarié Bonsma-Potgieter
Posted on June 1, 2026
in Estate planning, Investing, Relationships, Wills

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Inheriting a living annuity often comes at a difficult time. You may be dealing with grief, family responsibilities, paperwork and important financial decisions all at once. It can feel overwhelming, especially when you are asked to choose what should happen to the money before you fully understand the consequences.[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Starting to invest is one of the most important financial decisions a person can make, yet it is often delayed for too long. Many people wait because they want the timing to feel right. They hope markets will settle, uncertainty will ease, and a clearer moment to begin will[...]

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[...]

Author: Stienemarié Bonsma-Potgieter

What financial planning actually means

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I have inherited a living annuity. What now?

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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

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Author: Stienemarié Bonsma-Potgieter

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