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Start with understanding your intentions for the proceeds of the policy.

Exploring seven emotional biases and how they can wreak havoc on one’s investment portfolio.

And for those who are hesitant to tie the knot, we have included the financial and legal consequences of cohabitation.

When it comes to providing for future healthcare costs, there is, unfortunately, no silver bullet.

Taking stock of one’s disability cover will likely involve more than a cursory glance at your policy document.

There are now very few barriers to entry for those wishing to externalise their funds.

The careful structuring of any life insurance policy in a person’s estate is of critical importance.

If you underestimate your post-retirement expenditure, you run the risk of running out of capital during your retirement years.

Unpacking the different types of debt, how it affects your credit score, effective methods of debt reduction, and how to manage your debt efficiently.

Estate duty is calculated on the value of all your property, and this includes movable and immovable property, as well as corporeal and incorporeal property.

And what you should be aware of when setting one up.

Managing your financial affairs is as much about grasping the numbers as it is about understanding the applicable legislation.

To avoid continued heartache and potential financial difficulty for your loved ones, you can take some concrete steps when undertaking estate planning.

Pension interest calculation is a complex area of financial planning.

Strategic tax planning is an integral part of the financial planning and wealth creation process.

While you may be tempted to go the DIY route because your affairs are what you consider ‘simple’, think twice before putting pen to paper.

Failing to account for your tax liabilities can detrimentally affect the liquidity in your estate and, in turn, the financial legacy to your loved ones.

An ante-nuptial contract is a hugely important document in the life of a married couple and deserves careful attention.

Nominating trustees who have the appropriate character, skill and acumen to fulfil their duties is critical to ensuring your intentions for the trust are realised.

Exploring the devastating consequences of financial infidelity, what causes it, and how to protect your relationship against it.

Mistakes can have far-reaching consequences for those you leave behind.

It’s important to fully understand the process, your rights, and the financial implications going forward.

Conducting a regular financial health check should trigger an early warning system should any vital signs appear compromised.

It is important to make sure that your trust is set up as a valid legal structure that will, if necessary, withstand legal scrutiny.

If you’re feeling overwhelmed by the state of your post-divorce finances, here are some points to consider.

These trusts are designed to protect and ensure safe custody of assets intended for those who are unable to manage their financial affairs.

It’s important to keep in mind the potentially extensive retirement period you will need to fund for, and the multitude of eventualities you could be faced with.

Using scenario planning techniques as a way of visualising potential eventualities that may arise can help you put mechanisms in place to mitigate against them.

The immediate and longer-term consequences of divorce cannot be overstated.

Understanding your reasons for investing, what you hope to achieve with your wealth, and how your investment fits into your overall financial portfolio are critical for success.

Giving away some of your wealth while you are still alive is something that should be undertaken with the utmost caution.

This area of planning should ideally be undertaken with guidance and advice from a fiduciary expert.

And what factors should be taken into account when determining which structure is best suited for your needs.

You have until the end of February to maximise your tax savings for this year.

It is important to understand how your marital property system affects your property rights and your ability to distribute your assets.

When looking for a financial advisor, you need to look further than just qualifications and experience.

Understanding the role your investment is destined to play in your overall portfolio is key to determining how best to externalise your money.

This is effectively a blend of prioritisation and affordability distilled into a series of incremental steps plotted over a manageable timeline.

It is important to be absolutely clear on the reasons for putting the cover in place.

TFSAs still provide investors with significant tax benefits.

These measures will ensure that the financial legacy intended for your loved ones is maximised and protected for their future use.

The complexities and variables involved in the decision-making process are enormous.

A retirement plan is only as robust as the accuracy of the underlying assumptions, and one of the most important assumptions to get right is the determination of post-retirement income. While there are many rules of thumb regarding the calculation of post-retirement income, the reality is that every retiree has a unique set of personal

Interest and dividend income earned by retirement funds are exempt from tax.

Putting financial solutions in place should be part of a carefully designed strategy. Each solution or product should serve a pre-determined purpose in your wealth creation strategy. As US investment guru Peter Lynch is famous for saying: ‘Know what you own and why you own it’. Here, we explore the mechanisms of seven financial solutions,

Now is an opportune time to make sure that you’ve taken advantage of the available tax breaks available to you.

A look at some lesser-known details and benefits about RAs that all investors should know about.

There’s a lot more to this impressive retirement funding structure than meets the eye.

Rather than attempting to revolutionise your finances in the space of a single month, it may be more beneficial to space your financial planning over the course of a calendar year.

Now’s the time to check your credit card fine print to ensure that you know how to maximise the benefits of your credit facility.

The Covid-19 pandemic served to highlight the inherent risks of tenant vacancy and non-payment of rent.

Exploring the different types of powers of attorney, when they can be used, and the financial implications of putting one in place.

The ultimate aim of such an agreement is to ensure that, if the relationship ends, litigation is avoided.

The administration process can be time-consuming and laborious.

It is essential to understand the role that your living will plays, its enforceability, and the extent to which your wishes can be expressed therein.

Estate planning to a large extent involves the optimal structuring and managing of your assets while you are still alive.

The high cost of living with diabetes typically extends beyond healthcare-related costs.

Following the harmonisation process which took effect 1 March 2021, it is now easier for investors to understand how to save for retirement and how each vehicle works.

The more time you have to prepare for your child’s arrival, the better equipped you will be financially.

And what to consider in the evaluation process.

Opening channels of communication with your parents to allow for discussions around their retirement plan may help to avoid unpleasant surprises later on.

Making provision for one’s debt is an essential part of estate planning, and failure to do so can leave your loved ones financially compromised.

Setting time aside before the nuptials to discuss financial planning in the context of your married life can be empowering and unifying.

Getting your marital contract wrong can cause financial distress if your marriage comes to an end.

And how they can be incorporated to reduce tax in one’s estate.

A look at scenarios that demonstrate the cost of delaying your investment journey.

Financial mistakes can slow down the process of wealth creation.

Preservation funds have some unique features and it is important to fully understand how they work before opting for one.

Exploring the costs associated with treating dementia and caring for a dementia sufferer.

It is important to ensure that the people you nominate are appropriate for your estate plan.

Before purchasing a living annuity, it is important to fully understand what you are signing up for.

Products are now more comprehensive, increasingly complex, and somewhat difficult for the layperson to understand.

If retirement is on your dashboard, here are some tips on how to prepare adequately for this life stage.

Because the amount of tax you pay reduces your investment returns, it is essential to understand in advance how you will be taxed.

Surviving a serious diagnosis can create an enormous financial burden.

With today being World Financial Planning Day, now is an opportune time to review your financial plan. A financial plan is a living, fluid document that should be sufficiently flexible to change and adapt as your personal and financial circumstances do. While it is always advisable to review your financial plan on at least an

With 18 open medical schemes and hundreds of plan options to choose from, making a decision can be overwhelming.

Unpacking the mechanisms of gap cover and what to look for when choosing a benefit.

Sifting through medical aid brochures and the fine print can be time-consuming and bewildering.

Insight into some of the most common terms in the long-term insurance industry.

Over and above ensuring your estate’s solvency, it is also important to determine whether it has sufficient liquidity to settle its liabilities, taxes, and other financial commitments that may arise.

Due to the high prevalence of dread diseases, fear can result in a disproportionate spend on this benefit relative to death and disability cover.

Donations and tax exemptions form an important part of one’s overall financial and estate planning.

As one of the most important documents a person will ever sign, a will deserves careful and regular attention.

The Guardian’s Fund serves, amongst other things, to protect and manage money inherited by minor children.

A look at what form the documents should take, who should help draft them, and what special considerations should be kept in mind when putting the documents together.

Checking the validity of this all-important document means paying careful attention to the detail.

How various long-term insurance products can be used in each life stage to achieve optimal results.

Those with special needs can be particularly vulnerable to being taken advantage of and, as a parent, putting structures in place to manage and administer your child’s affairs is paramount.

It is important to be absolutely clear on your intentions for forming the trust and what you intend the trust to achieve.

And some advice on how to avoid them.

Before setting up an offshore trust, it is worth understanding one’s reporting obligations.

If used responsibly, a credit card can have significant benefits to the user.

Seven life stages that many women face together with a set of financial planning considerations relevant to each.

Many diseases and chronic conditions are a function of ageing, and your fortunate good health in the years leading up to retirement is not guaranteed to continue as you grow older.

Concrete steps that single mothers can take to fortify their financial positions.

Taking a set of intentional, strategic steps at the outset of your career can be pivotal to your financial success.

While women tend to be better investors which sets them up well for the future, there are certain things that can weaken women’s financial positions.

The best time to put mechanisms in place to protect yourself financially is at the start of a relationship.

Global terms and phrases which all investors should know and understand.