In retirement planning, one proverb holds the ultimate truth: “The best time to plant a tree was 20 years ago. The second-best time is today.” A sustainable retirement is not luck; it’s the result of three key decisions. 1. When: The cost of delay Time is...
Generation X, currently aged 46 – 61, are fast approaching retirement. The key question is: Are they ready for this important milestone? This generation is often overlooked in the media, which tends to focus on younger generations such as Millennials. Yet,...
Retirement planning has traditionally focused on expected long-term returns. That measure is useful during accumulation, when contributions continue and a long horizon gives a portfolio time to recover from a bad year. It is less reliable once a retiree...
For most investors, investing for retirement is the longest-term financial endeavour they will undertake. Success depends less on finding the perfect strategy and more on sticking to a sound one. This calls for alignment between objectives and investment...
Have you considered what would happen if you didn’t make it home today? Would your family know where your will is kept? Would they know where your assets are held - or would there be confusion, delays and avoidable stress? You may know exactly where the...
In the world of retirement savings, there's always a shiny new thread tempting investors to weave a different pattern. The idea that you can jump in and out of markets at just the right moment to improve returns is alluring. Who wouldn't want to avoid the...
Living annuities have long posed a challenge in South African divorce proceedings. Unlike pension interests in retirement funds, which are clearly regulated under the Divorce Act and the Pension Funds Act, living annuities occupy a grey area -neither fully...
As a financial planner you can be certain that by the time your clients engage with you to structure their financial future, they have done the Artificial Intelligence (AI) platform round. Tools like ChatGPT, DeepSeek, Grok and Gemini would have been...
The first half of 2025 was one of the more volatile periods in recent market history, reminding investors just how uncomfortable it can be to be invested in equity markets. And ironically, even rising markets don't always equate to rising investor...
In the world of finance, risk is often portrayed as a mathematical beast, tamed by sophisticated metrics like volatility, beta, or Value at Risk (VaR). These tools measure how much an investment's price swings or the potential for extreme losses in a...