I am often amazed at the assumptions people make about how the financial needs of their minor children will be cared for in the event of their death. The treatment of financial benefits varies depending on the type of benefit. In this article we touch on two...
If you have not yet heard about the bucketing strategy, it has little to do with Johannesburg's recent water crisis and plenty to do with solving the longevity conundrum for living annuity clients. The bucketing strategy involves dividing a client's...
As someone deeply immersed in the world of retirement planning, I've seen firsthand how retirement is not just a financial event but a deeply personal and psychological journey. Retirement in South Africa, with its unique socio-economic challenges and...
Estate Planning should be and is a crucial step in every individual financial planning process, that should be placed very high on one's priority list. In many societies, where we experience strong familial ties and bonds, with a deep desire to improve the...
As a financial planner, I've noticed that people often think of employee benefits and personal finance as separate. However, as you'll see in the examples below, the two are not only related, but are in fact parts of a bigger picture. By taking a step back...
Due to under-saving, most working South Africans are unable to keep up with their basic needs if and when they retire. This so-called “retirement gap” can be calculated at any point in an individual's lifetime to determine whether they are on track to...
When it comes to retirement planning, selecting the right annuity policy is crucial. One option available to pensioners is the default living annuity policy, which is managed by a third party and does not grant the pensioner independent control over their...
ESG, impact investing and sustainability is a recent trend in the South African market that is particularly close to my heart. And I'm concerned that these concepts are not properly understood or being utilised appropriately and therefore are prone to...
When coal mining comes to mind, water is typically not the first element that is associated with the industry. However, in South Africa, particularly in regions like Mpumalanga, coal mining operations face an ongoing and complex challenge with water...
A vast and largely untapped region, Africa has, for many years, been heralded as the final frontier when it comes to economic and investment opportunities. Key drivers such as its youthful demographics, increasing urbanisation, consumer demand and ongoing...