Welcome to the Ginsburg Financial Services Blog site!

Mitzie is accredited with most Life Assurance Companies as well as Medical Schemes in SA to give advice on their products. She has been playing an important role in the industry for approximately 23 years and have received many awards for her time spent actively participating in the field.

Click on the links below to find out more about financial information, medical aid and keep up to date with what you need to do for your will and testaments.

Is this the end of the 9 to 5?

It seems that the writing is on the wall for the traditional nine to five job. The world is becoming increasingly agile and flexible as employees juggle multiple jobs and incomes. You might call them hustlers, moonlighters or side jobbers but one thing is certain, there are more of them in the market today than ever before.

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Hands of My Retirement Benefit! Not So Quickly…

Providing an employee with retirement benefits, either in the form of a pension fund or provident fund (there is a distinction between these two, but for the purposes of this article we will refer to the monies that are paid out to a member of a retirement benefit scheme, as a pension benefit), is commonplace, but not compulsory in terms of South African law.

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Profmed: Contributions and Benefits for 2020

Benefit limits and contributionsThe benefit limits, including dentistry, have once again increased on all benefit options. The overall weighted contribution increase is 9.7%. Please access the Benefits Comparator on the website, which will assist you and your clients to compare benefits and contributions for 2020. The attached Schedule of Benefits, About Profmed and Benefits at a Glance provide comprehensive information on all the benefits, and our Easy Reference guide provides a summary of the benefit changes for 2020. You can also click here to view the benefit highlights. Savvy optionsSince their introduction in January 2019, we have seen remarkable interest in our Savvy options, namely, ProPinnacle Savvy, ProSecure Plus Savvy, ProSecure Savvy, ProActive Plus Savvy and ProActive Savvy. The Savvy options are hospital network options and provide members with significant savings on their contributions without compromising on benefits. Members who choose to voluntarily be admitted to a non-network hospital will be liable for a R10 000 co-payment. It is important to inform your clients that when they visit a GP or specialist, that healthcare provider should consult at a network hospital in case hospitalisation is required, to avoid a co-payment at a non-network hospital. Click herefor more information on the Savvy options. ProSecure, ProSecure Plus and ProPinnacle options (Premium and Savvy) We are particularly pleased to advise that contributions will only be charged for up to three children on these options. Any additional child dependants will be covered at no cost. Please note that the Benefits Comparator does not cap the contributions to three child dependants.To ensure that we continue to meet the needs of our members we have added Attention Deficit Hyperactivity Disorder... read more

Liberty Advanced Global Equity T3 Portfolio

This is the right solution to speak about during the current uncertain economic times. This portfolio provides guaranteed minimum returns if the markets go up and ensures protection of initial portfolio allocation, should the markets go down.  This limited offer is available from Monday 7th of October until Friday 29th of November 2019  – don’t miss out.  Please find the brochure below. Download Brochure Should you require any more information , please contact your Ginsburg Financial... read more

Trust lessons for spouses and partners

The real life story shared in this article provides certain lessons for spouses and partners where trusts are involved. Although trusts have been around in the world for almost a thousand years, it remains one of the most misunderstood and sometimes abused vehicles where families’ assets are housed.

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How bias can sink your investment success

Everybody has biases. We make judgements about people, places, and of course, the markets. It is almost impossible not to allow the filters which are created through our emotions and our experiences to impact our investment decision making. The trick is to understand them, be able to identify them when they occur and to build in steps to mitigate them when needed.

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Press Release 10 of 2019: Thebemed placed under provisional curatorship

The Gauteng Division in Pretoriea, has on 23 August 2019, placed Thebemed Medical Scheme under provisional curatorship following a successful application by the Registrar of the Council for Medical Schemes (CMS), in terms of Section 56(1) of the Medical Schemes Act, No. 131 of 1998 (the MS Act), and Section 5(1) and (2) of the Financial Institutions (Protection of Funds) Act 28 of 2001 (the FI Act).

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