Ukulungelelanisa uxanduva lokuxhasa ngemali usapho (i-Black Tax) nokukhusela ikamva lakho lezemali kuyenzeka ngokubeka imida ecacileyo, ngokucwangcisa ngobuchule nangokufumana iingcebiso kwiingcali zemali.
Even after fully depleting the savings component each year, a hypothetical member fares better in Alexforbes’ model than under its previous-system scenario.
Asset-allocation percentages provide a starting point, but assessing issuer concentrations and overlapping holdings requires more detailed evidence than a fund fact sheet can provide.
Debt does not die with you – it becomes part of your estate, potentially affecting what your family inherits and how quickly they can access it.
Kirsty Scully says five global trends and four possible AI scenarios show why advisers must adapt without sacrificing the human guidance clients value.
World Financial Planning Day is a timely reminder to reflect on your retirement plan, with MBSE’s Julette Wentzel asking whether your future self will thank you for today’s decisions.
As World Financial Planning Day highlights the value of turning financial goals into action, MBSE’s Tyrone Ford asks whether your own estate plan would leave your family knowing what you wanted – and what to do next.
The developing FSCA value-for-money approach puts costs alongside investment performance, service quality, governance, and member outcomes.
Initial cost comparisons can obscure how fees linked to assets, salaries, or membership grow over time, potentially producing sharply different outcomes.
Discovery’s research points to a complex relationship between mental well-being, financial behaviour, and retirement savings withdrawals.
ASISA’s member statistics show substantial market growth, while the average drawdown rate remained broadly stable at 6.6%.
Many members value retirement guidance, but research suggests it often comes after key savings, preservation, and income decisions have already been made.
With household debt absorbing income and retirement outcomes remaining poor, Discovery has introduced a benefit aimed at addressing both pressures.
Exercising regularly is only the starting point for Discovery’s argument that everyday behaviours can have a lasting effect on earnings, debt, and retirement security.
Financial services professionals explain how the Higher Certificate in Wealth Management sharpened their skills, broadened their perspective, and prepared them for the next stage of their careers.
Fewer respondents are using advisers as AI tools gain traction, and many remain unsure where to turn for financial guidance.
As employers hand more responsibility for retirement and healthcare benefits to staff, the industry is rethinking how to balance freedom with better financial decisions.
