by sigrid@quintuswealth.co.za | May 9, 2013 | Features, Uncategorized
This is a question that clients ask me all too often – the simple answer is yes: if you have any debt whatsoever or dependents, you need a life cover policy. A quick Google search reveals that a huge variety of life cover policies are available in South Africa, but...
by sigrid@quintuswealth.co.za | Apr 16, 2013 | Features, Uncategorized
Monthly you save into a retirement annuity, pension or provident fund to provide an income after retirement, but what happens to your pension when you pass away prior to retirement? While a life insurance policy pays your beneficiaries – anyone you nominate to receive...
by sigrid@quintuswealth.co.za | Apr 9, 2013 | Features, Uncategorized
Whether you’re an employer or self-employed, structuring the way salaries are paid is essential from a taxation point of view. With the right salary structure, you will pay the tax you are required to law (PAYE) while avoiding over-taxation and making provision for...
by sigrid@quintuswealth.co.za | Apr 2, 2013 | Features, Uncategorized
South Africans were promised R7 billion in tax relief in the 2013 National Budget, but will we actually see an increase in our take-home pay? With government spending high and the economy slow, South African Revenue Service is under pressure to collect taxes, while...
by sigrid@quintuswealth.co.za | Mar 19, 2013 | Features, Uncategorized
If you’re paying off a home loan each month, you may already be aware that a large chunk of your monthly installment goes toward paying off the interest on your bond. In order to save on interest payments, it’s helpful that you make an effort to pay extra amounts into...
by sigrid@quintuswealth.co.za | Mar 12, 2013 | Features, Uncategorized
Many of my clients often ask me an important question – should I save for an emergency fund, and how should I go about it? For any working person today, an emergency fund is a must. Since the recent financial crisis, millions of people around the world have lost their...
