Building an investment portfolio Before you start with your investment portfolio, consider if you have: Reviewed your budget. Have your debt under control. In some instances, it might be better for...
Building an investment portfolio
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Equip yourself
In debt, what now?
In its basic form, debt can be referred to as “something that is owed, especially money” or “a state of obligation to pay something owed”. Debt management is an integral part of every person’s...
An introduction to short term insurance
Profile: Gisela Budler CFP ® An FPI Member since 2016, Gisela has been within the financial services industry since 2007. She specializes in Risk Management and Insurance Operations. She has...
Why an emergency fund is important by Schalk Louw
Why an emergency fund is so important Schalk Louw, Wealth adviser at PSG Wealth Old Oak During the past year and a half, we faced unprecedented levels of uncertainty. While many people have lost...
Your Will, wishes and waiting – critical things to remember
During the past year and a half, most South Africans have been touched by the sad reality of death, with many having to confront it directly. With excess deaths now standing at around 265,000,...
Changing Jobs
Changing jobs can be a very exciting time in your life. There are some things you should consider before signing the new job offer. Come to terms with the terms A basic understanding of the...
Retirement planning
Planning for retirement is something most people think they only have to be concerned about in the future. Most people are of the opinion that the contribution to their company pension is...
Setting your financial goals
Setting your goals will help you plan for them. How to set your financial goals: Make a list of all the things you dream about and want to achieve for yourself and your family, such as an overseas...
Managing your debt
Managing your debt is a vital part to your financial plan. Debt can prohibit you from achieving your financial goals if not managed properly. Before you incur debt Do you really need it, or is it...
Creating an emergency fund
An emergency fund is important to ensure that you are not left destitute or having to borrow money in the event of an unforeseen event or emergency. How much do I need for my emergency fund? Most...
Creating a budget
A budget will assist you in having a good understanding of your monthly income and expenses. Before you start Have the following handy when you are preparing to draft your budget: Your salary slip....
Deciding on a medical aid
Medical aid is quickly becoming a necessity, rather than a luxury, so it’s important that you pick the right option. Before choosing your plan, it is important to understand certain aspects of...
Saving for education
Saving for education is vital because education plays an increasing role in the personal development of your children. When saving for their education consider the following: The term left until...
Getting Married
How does marriage affect financial planning Getting married is an exciting time in your life but financial stress is a major cause contributing to divorce. Marital Contract Deciding on a marital...
Getting Divorced
Divorce Divorce is often a challenging period, and especially for your financial planning. Financially preparing for a divorce When you are preparing for a divorce, it is important that you consider...
Buying a car
So, you want to buy a car. What do you need to think of/consider? Firstly, what is the reason for the new vehicle? Is it: To impress? Don’t buy things you can’t afford with money you don’t have to...
Buying a home
The first thing you need to ensure before buying a property is that you are buying the property in an area suitable for the whole family. Buying a property is an expensive process. Cost to consider...