Retirement

Navigating the Complexities of Financial Market Risks

In the ever-evolving landscape of financial markets, understanding and managing risks is crucial for both institutions and individual investors. This blog, based on Chapter 13 of the AFM Textbook, explores various aspects of risk in financial markets and how they can be managed effectively.

Exploring Overseas Investments: A Guide for South African Investors

In the dynamic world of finance, overseas investments present a wealth of opportunities for South African institutions and citizens. This blog delves into the various aspects of foreign investments, drawing insights from the comprehensive content of the AFM NQF6 accredited course.

The Time Value of Money: A Critical Concept in South African Finance

The concept of the Time Value of Money (TVM) is a pivotal principle in finance and investment, and it plays a crucial role in South Africa's dynamic financial landscape. Understanding TVM is essential for making informed financial decisions, whether for personal investment, corporate finance, or policy development.

Is the Executor Friend or Foe? – Part 1 of 4

Dive into part one of this four-part series exploring an overlooked area where financial advice is critically needed. Financial advisors are closely monitored by the FAIS Act to provide quality advice to clients during their lifetimes. However, after a client's passing, heirs are often left navigating complex financial decisions without guidance. Stay tuned for insights on how to navigate this sensitive space.

Retirement Annuity Investment - A hidden surprise

This article quantifies the absence of two taxes on the performance of an Retirement Annuity (RA) Investment. The two taxes are dividend withholding tax (DWT) and capital gains tax (CGT). The results are amazing. After reading this article you will never ever consider an RA investment for just its income tax benefits!

Retire before Retirement

Upon reaching retirement age most people tend to retire from all their retirement funds simultaneously – be it from their employers’ retirement funds and/or from their retirement annuities (RAs). But you can retire earlier.