Financial Planning Archives | Page 2 of 4

Investment Success: Why Time in the Market Beats Timing the Market

By Katlego Mei, CFP ® Recent market volatility has reminded investors of an essential truth: investment success is about how long you stay invested, not about trying to predict the perfect moment to buy or sell. The stock market has experienced notable declines and rebounds in recent months, underscoring the challenges of timing the market[...]

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 Jonathan Theunissen
Posted on May 23, 2025
in Budgeting, Financial planning, Investing

By Jonathan Theunissen, CFP ® When clients think about building wealth through investing, one of the first questions they ask is: “What return can I expect?” But here’s the truth that decades of research has shown: consistent contributions – your behaviour – matter more than investment returns over the long run. This isn’t just theory.[...]

by Katlego Mei
Posted on May 16, 2025
in Budgeting, Financial planning, Money Management, Property

By Katlego Mei, CFP ® Purchasing a home is an exciting milestone, but it can also feel overwhelming. To help you navigate this journey, let’s break down key factors to consider, both financially and beyond. The Budget Start by determining how much you can realistically afford. Review your income, expenses, and any existing debts. Remember[...]

By Jonathan Theunissen, CFP ® Earning your first salary is an exciting milestone, but it also comes with important financial responsibilities. How you manage your money from the start can set the foundation for long-term financial success. Here’s how you can maximize your first salary and build a strong financial future. Understand Your Payslip Before[...]

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.[...]

By Jonathan Theunissen, CFP ® Money is one of the most common sources of stress in relationships, but it doesn’t have to be. Whether you’re newly married or moving towards marriage, aligning your approach to money can create harmony, build wealth, and strengthen your relationship. While there are different ways couples can manage their finances,[...]

Start the New Year Right: Financial Planning Tips

By Jonathan Theunissen, CFP ® The holiday season is a great time to look ahead and set the stage for a financially successful new year. Whether you’re working toward a specific investment goal or just wanting to get a better grip on your budget, why not set some time aside to take charge of your[...]

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[...]

Financial Planning

Investment Success: Why Time in the Market Beats Timing the Market

Invest in Preparedness, Not Prediction

Why Investment Contributions matter more than Returns

Home Sweet Home: A Guide to Buying Smart and Living Well

Your First Salary: Setting Yourself Up for Financial Success from Day One

Essential Steps For All New Parents

Merging Money: How to Successfully Combine Finances as a Couple

Start the New Year Right: Financial Planning Tips

Short-Term Gain, Long-Term Pain:

Navigating Your Finances After Divorce

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