Stienemarié Bonsma-Potgieter, Author at Galileo Capital

A Product, a Portfolio and a Plan

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.[...]

Without an intentional financial strategy to guide us, it’s easy to make mistakes that could harm our financial future.

by Stienemarié Bonsma-Potgieter
Posted on February 4, 2025
in Financial planning, Investing, Money Management

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner When it comes to managing money, emotions often play a bigger role than we think. Fear, excitement or even impatience can cloud our judgment and lead to poor financial decisions. Without an intentional financial strategy to guide us, it’s easy to make mistakes that could harm our financial future.[...]

Short-Term Gain, Long-Term Pain: The Cost of Dipping Into Your Savings Pot

The Cost of Dipping Into Your Savings Pot Stienemarié Bonsma-Potgieter, CFP® – Financial Planner The two-pot retirement savings system has been active in South Africa for over three months, with withdrawal numbers making headlines. While much has been said about why this legislative change happened, how the system works, and the taxes involved, it’s essential[...]

by Stienemarié Bonsma-Potgieter
Posted on November 19, 2024
in Financial planning, Money Management, Uncategorized

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner No one goes into marriage with the intention of divorcing but unfortunately it is sometimes part of life. Divorce brings forward a lot of changes, including to your financial life. Understandably this is a very difficult time but planning your financial future after divorce is essential, especially when children[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Have you noticed a pattern in increased spending as your income increases? This subtle increase in spending is known as lifestyle creep, and it can quickly derail your financial progress. Alongside it, tax creep occurs when higher earnings push you into a higher tax bracket, leaving you with less[...]

Empowering Women: Overcoming Financial Challenges for a Secure Future

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Women can face unique challenges when it comes to building their financial freedom. These challenges can affect their personal finances and investments, but by addressing them, women can take steps to improve their financial wellbeing and achieve their goals. Common Financial Challenges Many women take on the responsibility of[...]

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner When it comes to planning your financial future, one important factor to consider is your risk tolerance. Simply put, risk tolerance is how comfortable you are with the possibility of losing money in the short term in order to achieve long-term financial goals. Some people are comfortable with taking[...]

Author: Stienemarié Bonsma-Potgieter

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

How You Might Be Harming Your Financial Future Without Realising It

Short-Term Gain, Long-Term Pain:

Navigating Your Finances After Divorce

How to manage lifestyle and tax creep

Empowering Women: Overcoming Financial Challenges for a Secure Future

Understanding Your Risk Tolerance

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Author: Stienemarié Bonsma-Potgieter

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