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If you're about to earn your first salary, how should you go about dividing your income between life insurance, disability and income protection insurance, investments and retirement savings?

About 94% of individuals are unable to retire independently and maintain their living standard straight after retirement.

Take your time and do your due diligence to ensure you're getting the value you deserve from your advisor.

If you're 65 and retired your priority is to make your money last for at least the rest of your life. If possible, the capital should grow at a rate higher than inflation, without taking undue risk.

If you can get an investment return higher than the interest rate on your bond, then you should allocate any additional cash you have to investments.

Here's what to do...

ETFs will soon exhibit strong investment inflows, as South African investors recognise the benefits.

When you require professional advice on a serious legal, medical or dental issue (to name but three professions), would you opt to get a less-qualified opinion or solution? Generally, you would seek the best professional advice available to ensure your long-term well-being or wealth. So, who do you trust with your long-term financial well-being? Let’s

Too often, saving is seen as something to avoid. Actually, we should welcome it because if our savings are on track, we'll enjoy spending so much more.

Factual information to enable consumers to make informed financial planning decisions.

A case for active management and sensible financial planning.

The advice I gave to myself ...

Draw up a budget, which includes a savings plan and investment strategy, then stick to it. Review the situation when circumstances change and amend accordingly.

For those concerned about funding their retirement, splitting the years of retirement into distinct phases could make planning easier.

Investment consultants are trustees’ long-term strategic investment thinking partners. When selecting a consultant the trustees therefore need to make a long-term decision.