Monthly Archives: September 2017

The 10% rule – An all-round financial workout

You may be familiar with the 10% savings rule.The idea is that, as soon as you are financially independent, you should save approximately 10% of your income for retirement, and it is a general guideline that gives you a starting point for your savings early on in life. If you consistently save 10% of everything…
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Investment Types: Retirement Annuities

Retirement Annuities are possibly one of the most popular products in a financial plan. As long term investment products, they're the first thing that most brokers or financial salesmen try to sell. They have many benefits, but need to be accurately managed in order to understand and enjoy these benefits. We hope this video clip…
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Investment Types: Types of Investments

This clip is designed to give a quick and brief overview of the different types of investments. We have noticed that often clients are confused around which types to use and which will be the most beneficial inside of their personal portfolios. Ruark unpacks some of these here Discretionary Investments Endowments Retirement Annuities Tax Free…
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Smart Start Series: 2. Covering your bases

When you don't have a financial plan in place - where should you start? As Ruark mentioned in the previous video, you shouldn't leave your will or life insurance until the final stages of your financial plan - you should start with them. In this video he unpacks why, highlighting your obligations to your dependents…
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Smart Start Series: 1. Getting Started

When you don't have a financial plan in place - where should you start? Many people leave their Last Will and Testament until the final stages of their financial plan - we believe it should be the first! Ruark takes us through a few quick points that cover your will, an emergency account, and insuring your most…
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Fashion for the sake of your finances

Watches can now double as fitness trackers… and if you ask anyone who has one - they are considerably more aware of their activity. Sure - they may not actually exercise more, but with an easier way to monitor how active they are, they are more likely to change any behaviours that they are unhappy…
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Top tips for buying an investment property

It's important when buying an investment property to do your homework so that your property becomes an asset rather than a liability. While astute investors can make good money, there are significant holding costs and initial fees, and a property is not as liquid as other investments. An interesting article in City Press reviews the…
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Why make a will this National Wills Week?

National Wills Week is from 11th to 15th September 2017 and is a time when participating attorneys in South Africa will draft new, basic wills free of charge. To make the most of this time of year, simply make an appointment with a participating attorney before or during National Wills Week. However, if your circumstances…
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