Stienemarié Bonsma-Potgieter, Author at Galileo Capital

Understanding Your Risk Tolerance

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[...]

How Your Investments Are Impacted by Estate Duty

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Planning for the future involves more than just growing your wealth—it’s also about ensuring that your assets are handled according to your wishes after you pass away. In South Africa, when a person dies, all their worldwide assets, including investments, form part of their estate and may be subject[...]

Essential Checklist for Reviewing Your Financial Plan

Stienemarié Bonsma-Potgieter, CFP® – Financial Planner A well-crafted financial plan is a cornerstone of financial stability and future success. However, life is dynamic, and our financial needs and goals can change over time. A financial plan should therefore not be set in stone and should be adaptable. Regularly reviewing your financial plan ensures that it[...]

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.[...]

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[...]

by Stienemarié Bonsma-Potgieter
Posted on June 6, 2024
in Financial planning, Investing, Retirement

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[...]

By Stienemarié Bonsma-Potgieter, CFP® – Financial Planner In today’s fast-paced world, it’s easy to overlook the importance of managing our finances effectively. While many of the younger generation have no long-term financial plan, there is also a growing concern that many of us may overlook the present, focusing only on long-term, future goals. While building[...]

by Stienemarié Bonsma-Potgieter, CFP® – Financial Planner In the world of financial planning, it’s easy to get caught up in complex strategies and big investment words. Sometimes, the simplest tool can be the most powerful. That’s where cash can play a role. In this article, we’re going to explore how cash can support you in[...]

by Stienemarié Bonsma-Potgieter
Posted on March 12, 2024
in Estate planning, Financial planning, Investing

by Stienemarié Bonsma-Potgieter, CFP® – Financial Planner In South Africa, only around 6% of people can retire comfortably and maintain their pre-retirement lifestyle. This is a concerning statistic. The sooner we start saving and investing, the better our retirement outcomes will be. We can also help improve the retirement statistics by not only taking control[...]

by Stienemarié Bonsma-Potgieter
Posted on February 29, 2024
in Budgeting, Financial planning, Investing

By Stienemarié Bonsma-Potgieter, CFP® – Financial Planner Saving and investing can seem like an intimidating task, especially when life is continuously throwing curveballs. There are a lot of challenges that can keep us from starting the journey to financial freedom. Let’s look at some obstacles and identify practical ways to overcome them. Common barriers to[...]

Author: Stienemarié Bonsma-Potgieter

Understanding Your Risk Tolerance

How Your Investments Are Impacted by Estate Duty

Essential Checklist for Reviewing Your Financial Plan

Benefits and Risks of Living Annuities and Life Annuities

Better navigating uncertain times

Balancing retirement and discretionary investments to achieve financial harmony

Enjoy the journey to financial freedom with smart money management

The Power of Cash

Raising money-smart kids

Unlocking financial success

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Author: Stienemarié Bonsma-Potgieter

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