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Financial fitness goes beyond merely having a stable income. It also encompasses the ability to manage money wisely, make informed financial decisions, and build a secure future. It allows you to feel confident, comfortable and in control – both now and with what life might throw your way in the future.

Finding purpose in retirement is as necessary as it is rewarding. While retirement offers more free time, filling that time with activities that give your life meaning and satisfaction is critical.

What can you do to help you discover how you should direct your time and energy once you retire?

In financial planning, there are hidden, yet prevalent, enemies that can undermine our financial goals and well-being. You might think these enemies are volatile markets, economic growth, or inflation, but it's actually far more subtle than this. The enemy is, more often us, specifically, the financial behaviours we practice without even realising it. 

In the past financial planning has focussed on helping people protect and save their income or investments. We assumed a steady inflation tracking income in our retirement models and insured against disasters. However, we can no longer assume straight-line careers that will produce steady incomes. We must start to plan for frequent career changes, much longer working years and include discussions about career planning in our financial planning.

When we enter a marriage, we hopefully know that it will take consistent, hard work to make it work. With the knowledge that sometimes, it just doesn’t. How should you then approach the initial phases of separation, so that you are able to protect your personal and financial well-being?

Money can only hold as much power as we give it and as humans, we have given it immense power. In such a culture, where our relationship with money influences our self-worth, what happens if you suddenly get gifted a lot of money?

Rest has been a foreign concept to Western society during the past century. Even the use of the word in the English language has shown a steady decline. Until 2020. This year, the word occurred more frequently than at any other time during the last century.

For a while now, we have been reading with great interest about how the government wants to be able to control how our retirement savings are invested. This is usually referred to by its short name, “prescribed assets”, and advocates on either side of the argument have been keeping us glued to...

If your future depends on it, you should know about it. The lockdown has probably challenged most marriages. Some have been broken. Divorce attorneys are already dealing with the fall out as they report up to a 20% rise in divorce applications. The current economic climate will make these divorce...

Celebration isn’t about our circumstances. We should celebrate the goodness of life while we have breath in our bodies, feet to dance, eyes to see beauty and arms to embrace our people. At the end of the year, take a moment to write down what you’re grateful for.

“Move the gin over this December and try a tequila and tonic! There are wonderful variations and food pairings you can play with.”
 

How can we respond to disruption to protect our capital? How to protect your capital against Trump, trade wars or climate change chaos?

‘The first wealth is health,’ is a popular quote by Ralph Waldo Emerson. Whilst we are working, we need health in order to earn, so that we can build capital. We are converting human capital into financial capital. Without health, it is difficult to build capital.

-By Sunél Veldtman - Recently, I have noticed how many conversations about the world lead to a conclusion that the world is a mess. We seem anxious and insecure about the future. If I look at my social media feed, it is no wonder. Bad news abounds. Korea is angling for war. Trump plans to block immigration. ...

In a cabinet reshuffle that has been on the cards for some time, Zuma has finally pulled the trigger on Finance Minister, Pravin Gordhan and his deputy Mcebisi Jonas. He also changed 18 other positions. Late Thursday night the finance minister was replaced with Home Affairs minister, Melusi Gigaba. The Rand has plunged 7.5% since ...

A few interesting articles that we have come across this month.