Beplanning onderwerpe
While global markets have been on somewhat of a rollercoaster since Trump’s re-election in November 2024, traders’ nerves have been particularly tested this past month. The CBOE Volatility Index (VIX) – one of the most widely used gauges of market turbulence – recently spiked to its highest…
A recent real-life case demonstrated the importance of estate planners and trustees staying alert. Essentially, the founder’s (the estate planner) daughter reached maturity, and her new attorney boyfriend influenced her so significantly that she believed she could claim her fair portion from the…
Martin HesseI believe there should be increased efforts by regulators and the financial services industry to reduce delays by retirement funds and their administrators in disbursing benefits to members or transferring benefits to another fund. The longer a fund sits on money that should be…
South Africans are putting off getting married until later in life, putting this ceremonial expression of love aside as they are focused on their financial stability, personal growth, and careers. And that’s if they are even getting married at all.A recently released Statistics South Africa…
In recent years, South Africa has unfortunately earned a reputation as a fertile ground for fraudsters, transforming the country into a global hotspot for scams so elaborate they could fool even the sharpest among us. As a journalist and editor, I often hear of new scams making the rounds, but…
Navigating the world of finances in your early 20s can be both exciting and stressful at the same time. Your first few years of working are filled with new opportunities, experiences, and lots of challenges. If you do not have a strong foundation for financial stability, it could lead to making…
There’s something about paddling in the seas off Cape Town that forces you to confront the raw power of nature. The icy Atlantic doesn’t tolerate hesitation, the swells demand respect, and the wind can turn a casual outing into a battle of endurance. It’s exhilarating, unpredictable, and, at times…
We’d all like to believe that we can make smart financial choices. Ones that are rational, informed, and aligned to our long-term goals. But the truth is, our brains often get in the way.Behind every investment decision, savings plan, or insurance policy lies a tug-of-war between logic and emotion…
South Africans in certain parts of the country are experiencing an icy spell which is projected to continue over the next few weeks. The South African Weather Service issued an Orange Level 5 Warning last week for severe thunderstorms across parts of Gauteng, Mpumalanga, and Limpopo. The icy…
Despite the relief of no VAT increase and an inflation rate below the Reserve Bank’s target range, many South African consumers will still rely on credit to get through the month.Unfortunately, the South African Reserve Bank (SARB) expects inflation to tick up to an average of 3.6% in 2025 and…
South Africa’s agricultural sector is no stranger to external shocks, but its future may hinge on decisions made thousands of kilometres away. With recent tariff moves by the United States, alongside growing uncertainty over South Africa’s continued participation in the African Growth and…
Many people dream of financial freedom, but the path to achieving it is often misunderstood. It’s not a destination you can reach overnight but rather a carefully navigated journey. To succeed, you must focus on the long term, make smart adjustments, and understand the importance of managing risks…
HFM Group, a regulated, award-winning online broker, HFM takes risk management seriously, providing cutting-edge technology, wide-ranging education, and advanced trading tools to clients worldwide. Their innovative solutions provide enhanced protection against unexpected market movements, offering…
When you’re a kid, you have a wonderful outlook on the world. By wonderful, I mean simplistic. You don’t have to worry much about money or try to understand the concept of financial freedom.It’s only when you get older, when you have a job and a home and a family to raise, that you start…
The holiday season, especially Easter, often includes cherished family moments, travel plans, festive feasts, and occasional indulgences. According to data from FNB, South Africans tend to spend more during this period on shopping, flights, accommodation, home DIY projects, dining out, and apparel…
When accidents happen, gap cover is an essential safety net for your financial securityAccidents happen in an instant, often leaving families with unexpected medical expenses that extend far beyond what medical aid covers. Whether it’s emergency treatment, ambulance services,…
We talk a lot about wellness—physical wellness, mental wellness, even spiritual wellness. We invest in healthy eating, exercise, mindfulness, and personal development. But one wellness pillar that often gets overlooked is financial wellness. Well-being isn’t just about…
Debt follows us to the grave, and understanding what happens to it after death is a key part of sound estate planning. How your debt is handled depends on several factors, including your estate’s solvency, the type of debt, whether it’s co-signed or guaranteed, your marital contract, and the…
Short-term insurance shields you from the financial blow of losing or damaging essential possessions like your home, car, or electronic devices. But that doesn't mean you should be overpaying for this protection, warns South African short-term insurance actuary, John Wessels.Wessels says if you've…
How can understanding the difference between risk appetite and risk tolerance help me develop my financial strategy? Shreekanth Sing, Wealth Adviser, PSG Wealth, Northcliff, JohannesburgWhen developing a financial strategy, a key element is understanding the required level of risk you need to take…