Beplanning onderwerpe
Legendary investor and CEO of Berkshire Hathaway, Warren Buffett turned 93 this year, and according to Forbes, he is worth $106 billion. That means on average meaning he’s earned over $3.5 million every day of his life. Much has changed during his tenure, but he has always been consistent in his…
I still have so many questions about the South African Reserve Bank’s (SARB) year-long investigation and report into the controversial Phala Phala scandal - where it recently cleared President Cyril Ramaphosa of any wrongdoing by not declaring the millions in foreign exchange his game farm received…
In March, reached the 20 million clients milestone and it now owns the biggest market share compared to older banks. We have Francois Viviers, Group Executive: Marketing and Communications at Capitec in studio today to talk us through the business of banking and lessons learnt with client…
Many people seem to treat life insurance like short-term insurance – it’s a grudge purchase and not something worth wasting too much time on, and if you are unhappy with one provider you can always switch to another.Wrong! Insurance on your life or, in the case of disability insurance, on your…
The percentage of accumulated savings that a retiree withdraws annually to live on, known in the retirement industry as the “drawdown rate”, has long been a subject of concern. A large proportion of retirees with living annuities are drawing too much each year for their retirement capital to…
By Yolisa DyasiFor most people, getting married is one of the most significant events in their lifetime. A day filled with love and promises of nothing but happiness for all the days to come. And whilst most couples think about the venue, the dress and the cake, the tax implications of getting…
If you abuse your sick leave by reporting ill and taking off work when you are not ill, don’t expect the courts to come to your rescue if your employer finds out about your dishonesty and fires you.A recent case that came before the Labour Court and its reference to an earlier case show that taking…
As the Group CEO of Assupol, I have had the privilege of leading an organisation that places ethics and integrity at the heart of its operations. Throughout my journey in the insurance industry, I have learnt invaluable lessons about the significance of ethical leadership, particularly in the South…
Business relationships need to be built on more than a signed contract; they need to be entrenched in trust to flourish and be successful, along with a healthy dose of knowing what one is doing.When a breakdown in any relationship occurs, then often the gloves come off and friendship and respect go…
Jacaranda Wines’ portfolio, which was reviewed by freelance lifestyle writer Sanet van Rensburg, recently, has three thrilling categories: an entry-level ‘Harvest” range featuring fresh young wines; an experimental “Artisanal” range using unusual blending percentages and vinification methods and a…
The Investment Committee of the Unemployment Insurance Fund (UIF) Board met with executives of the Public Investment Corporation (PIC) on Friday 25 August 2023 to conduct a review of the UIF’s investment portfolio for the period April to June 2023, the first quarter of the current financial year.By…
DIVIDING your savings into two separate categories – each with its own purpose – can provide clarity and boost your progress towards achieving your financial goals.When it comes to saving money, having a clear strategy in place can make all the difference. “The most effective tool for prudent…
In relation to the court case between the Southern African Clothing and Textile Workers Union (SACTWU) and Independent Media Consortium (IMC), we would ask the media to please take note of the following facts so as to avoid relying on uninformed opinion when writing articles on this matter:1. In…
Some ombuds and complaints mechanisms have been established by law and apply to specific Acts of Parliament. Examples are the Ombud for Financial Services Providers, the Consumer Goods and Services Ombud, the Tax Ombud and the Pension Funds Adjudicator. These are known as statutory ombuds.But there…
Through her own efforts to find out everything she could about trusts after a client going through a divorce asked her for help, Phia van der Spuy has become one of the leading authorities on trusts in South Africa. Her reference guide, first published in 2017, has become a bible for financial…
Your needs change as your life changes – there’s no doubt about that. This is why it’s imperative to get cover that precisely matches your needs when you get your policy and can change with you as those needs change. But can you change your cover when your life changes without having to provide…
With over a decade’s experience in the finance industry, Wanita Isaacs, Head of Key Accounts at Momentum Distribution Services, unpacks the case for more women financial advisers in South Africa.In many households, women increasingly take the reins in steering the course of their families’…
When speaking to people in South Africa, the feeling is that the task of saving has been positioned as a sacrifice, which entails giving up things they genuinely enjoy. The reality is that if we instil a culture of saving within Mzansi by changing the traditional savings approach, savings then…
Did you know respiratory illnesses can strike at any time of the year, including the warmer months?¹Cepacol®, the brand known for its sore throat lozenges and hot medication, offers guidance on how to deal with colds and flu in the spring and summer months.Why colds and flu can still occur in…
By MaryAnne IsaacIf you are looking for a smartphone with a sleek and compact design, powerful performance, extraordinary camera capabilities, optimised battery power with an unrivalled aesthetic appeal – the latest Samsung Galaxy Z Flip5 and Galaxy Z Fold5 gives you this and more.Setting a world-…