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.

Estate Planning

When it comes to life insurance, it’s not so much about what’s in it for you but what’s in it for the people you love and who depend on you financially. Of course nobody likes to think about their own death but it is necessary if you’re going to put a plan in place that ensures the financial future of the people you leave behind.

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Topmed Proposed Amalgamation update

As mentioned in our previous communication, the Members of both schemes needed to vote on the proposed amalgamation. Good news!
The majority of Members who voted, both from Topmed and Fedhealth, voted in favour of the amalgamation.

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Finance Minister, Tito Mboweni has delivered his maiden budget speech for 2019 this afternoon, and he did it with a few jokes and japes thrown in for good measure, too. Mboweni’s optimistic tone looked towards fixing Eskom, restoring the credibility of SARS and a 12-figure boost for free higher education.

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Topmed Medical Scheme and Fedhealth Medical Scheme

The past few years have seen a number of debates and developments in the medical scheme industry. When the regulators introduced the then new Medical Schemes Act some twenty years ago they left out two most critical components to support the survival of schemes. These were “compulsory membership” and “a risk equalisation funding model” which would ensure that the young and healthy lives participate in the system.

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We are pleased to inform you that we have removed the foreign asset limit for the Allan Gray Endowment, effective 12 December 2018.

Endowment accounts will be allowed up to 100% in foreign assets, up from 60% since April 2018
As Living Annuity and Endowment investors use Allan Gray Life’s foreign asset allowance instead of their own, we need to manage Allan Gray Life’s overall foreign asset exposure to ensure that we comply with the South African Reserve Bank’s exchange control regulations.

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