Women building wealth with solid financial principles!

We will be honouring the Women in our society when we celebrate our National Women’s Day on the 9th of August and subsequently our National Women’s month. This provides us an opportunity to pay tribute to the generations of women whose struggles laid the foundations for the progress we have made in empowering women and achieving gender equality. I will also be writing about some of these great women and the lessons they have taught us – and about the types of women we have in society, from Home Executives and the role they can play as income providers, to […]

The importance of a woman’s financial role in the home

August is the month we celebrate and honour women and this is the second in a series of articles about women and the vital role they play in society with a particular focus on how they are instrumental in the creation of wealth and the building of our economy. From the smallest contribution of a home executive who keeps the family budget, to great women of finance who have directly affected global economies, women can and should be recognised as significant contributors to the world of business and finance. Great women in finance From Thuli Madonsela, Magda Wierzycka to Minki […]

Financial advice for single women from female Entrepreneurs!

This is the third and final part of a series we have published to assist women in this month that we honour them. We have introduced women to basic financial rules and advised those who have partners, to take an active role in the finances of the couple. This article looks at useful advice for single women and in particular single Moms. It is a sad reality that in this country some 50% of children are fatherless because their Fathers have left or are simply not able to be with them most of the time. This means there are a […]

Leaving a legally binding Will

A matter of life beyond death!

This is the last in a three-part series of articles that I have been writing on the execution of the legacy that we hope to leave to our children to ensure that they are protected, educated and have a good start in life. There are three essential elements to this. Firstly having a solid, legally binding Will in place which is regularly updated. Secondly Estate planning: for the protection of assets, possibly with the set-up of trusts and the appointment of an Estate Administrator and finally important inclusion in your legacy of adequate Life Insurance. For more on the first […]

Plan for a legacy to protect the youth

We are celebrating our youth and our Fathers this month. My articles are about the obligation that parents have to create and protect a legacy that will educate and assist their children with their futures. In essence, I believe this comprises three elements – the drawing up and revisiting of a legally binding will, which I covered in my last article (Link to the first article on website); the planning of an estate and the appointment of an Estate Administrator; and to have adequate life insurance in place to ensure the legacy you leave is substantial, regardless of when you […]

Will, plan and insure to create a solid legacy!

In June we commemorate and celebrate both Youth Day and Father’s Day, one being a tribute to the resilience of our youth and the other being a light-hearted celebration of Fathers. Very different but with one thing very much in common: that is that Fathers and the young are inextricably intertwined and the influence of Fathers on their children is a critical factor in their growth and potential future. This applies to Mothers too so it got me thinking about our obligation to give our kids the best possible start in life. We do that in many ways – by […]

Staying Investment Focused in 2022

In January’s blog, we performed a deep dive into what 2021 looked like, what goals you achieved, what you failed at, and what goals you are still working on. If you actively write down your goals and vision, you have a greater chance of achieving them. Studies have found that by writing them down, you have up to a 65% more likelihood of achieving them as opposed to not writing them down. When you plan your goals, it might be helpful to plan in 5-year increments. Planning how you want your life to look like in 5 years; and what […]

A Year in Review

With a New Year comes New Year’s resolutions. They are often well documented with a determination that THIS year will be different. This year, you will stick to your resolutions and that this year you will achieve your goals … But life happens and often by mid-year you have forgotten all your resolutions. So, before you set new resolutions, hoping to achieve them this year, let’s reflect on 2021, what has and has not worked and in so doing, set yourself up for growth in 2022. New Year’s resolutions are often lofty ideas or even ideals and have less to […]

Reflecting on 2021 and what we can expect for 2022.

“In the midst of chaos, there is also opportunity”― Sun-Tzu Since the start of Covid, chaos and uncertainly has become part of our lives. Some might argue that chaos existed before then, but the waves of Covid have made uncertainty an everyday reality. Unfortunately our investments have not been spared by the impact of uncertainly and therein lie the opportunities. Below is the one year returns as supplied by Ninety One. South Africa equities exceeded expectations and performed close to 30% this past year, bonds and cash were more suppressed. SA Property has come off a very low base and […]

Why you need life cover if you have a bond

When applying for a home loan, one vital aspect to carefully consider is life cover or mortgage protection cover. This will ensure that you can continue to provide your dependants with a roof over their head if you pass away, or become disabled and cannot work. If you are the main income earner, but don’t have appropriate life cover or mortgage insurance, you could leave your family in a world of financial hardship after your death, or create complications that could have been easily avoided. As any financial planner will agree, this area of a financial portfolio is one of […]