Delayed gratification is a common phrase used to describe the act of investing. The idea is that an investor sacrifice their need for some consumable now and rather invest the money so that they can purchase a better version, or more of the same product, at a later stage. Other than this people simply invest to build an asset which will hopefully cover some other future expense or liability.
Offer your clients more by increasing the value of their rand. The R10.90/$1 Life Plan special offer allows clients to pay a guaranteed exchange rate of R10.90/$1 on their Dollar Life Plan for three years! Clients can pay a guaranteed exchange rate of R10.90/$1 on their Dollar Life Plan for three years, and if the exchange rate exceeds R18/$1, a 20% discount on the exchange rate will apply.
It is difficult to be a fence sitter when it comes to investing and wealth creation. Either you are a saver, and are providing for your needs, both present and future, from the sweat of your current labour, or you are a borrower, borrowing from your future to fund your current lifestyle.
The end of the tax year is fast approaching – but there is still time to take advantage of some of the incentives the government has put in place to encourage savings. The introduction of the tax-free savings legislation last year has added an extra arrow to the quiver of tax-efficient options available to investors. Options are great, but having to choose often stops people from acting and can get in the way of our good intentions. If pressed to make a decision between a unit trust-based retirement annuity (RA) or a unit-trust based tax-free investment (TFI) product, which should you choose?
Baie mense het al n stel afgetrap met onbekwame, onverantwoordelike of gewetenlose makelaars of finansiële adviseurs en daarom is dit belangrik om ‘n finansiële adviseur met groot omsigtigheid te kies.
Strenger regulering oor die optrede van makelaars maak dit deesdae makliker om so n keuse te doen. Daar is nou baie bronne waar ‘n potensiële makelaar se vaardighede en etiek nagegaan kan word.