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.
Over half (54%) of the working 60-plus group say they will work until “at least 70” in order to have enough savings for retirement as compared to 40% of those ages 55-59. However, working longer may not be the solution, as nearly half of the retired respondents (49%) say they retired earlier than planned. Many did so as a result of conditions beyond their control: 37% because of health, and 21% because of an employer decision. Only 7% retired earlier than planned because they had adequate savings.
“Half the retirees in this study retired earlier than expected for reasons beyond their control. People who think working longer – perhaps into their 70s or later – is a retirement plan should realize they may not be able to work longer. Unforeseen circumstances crop up, and this is really important for people to recognize,” said Ready.