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Devon Card

Devon Card

Crue Invest (Pty) Ltd

FSP no: 19025  
CFP®

Devon is a CFP® professional. Certified Financial Planner® certification is the only globally recognized mark of professionalism for financial planning.


TOP CONTRIBUTOR

Devon has contributed over 50+ articles to Moneyweb.


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Contact information

 
 
021-5308500
 
Crue House, 5 Long Place, Pinelands, 7405
 
https://www.crue.co.za

About

Devon holds a B.Comm degree from the University of Cape Town and is a Certified Financial Planning® professional. He is a director and shareholder at Crue Invest (Pty) Ltd. Devon is passionate about building long-term client-advisor relationships, and helping clients grow and protect their wealth. He is also an expert in designing employee benefit solutions. He is an avid sportsman and is a member of the SA Mens’ Water Polo team.

Company info

Crue Invest is a fiercely independent, niche financial planning practice based in Pinelands, Cape Town. Crue Invest is one of only 14 companies that hold the FPI Approved Professional Practice™ accreditation. This accolade recognises that the practice meets the highest ethical standards in pursuance of the financial planning profession. It also reinforces that Crue Invest’s standards in terms of knowledge, expertise and ethical conduct are amongst the best in the country. 100% of the company’s advisers hold the CFP® designation. Crue Invest is a fee-based practice that aims to form life-long parterships with clients to create and protect their wealth.

Devon on Moneyweb

Saving,education costs, university fees, Money Rules, Devon Card, Crue Invest

Two years to varsity… There is still time to save – here’s how

1 Sep 2023
Devon Card of Crue Invest discusses practical tips and offers a step-by-step roadmap for planning your child's higher education costs. ...
retirement annuity rules, Devon Card, RA, retirement annuity, retirement planning, Allan Gray, Old Mutual, Section 14 transfer,

Why can’t I access the full R350k in my RAs?

14 Jun 2023    1
If all your retirement annuities are at one service provider, this total amount would be over the R247 500 threshold and prevent you from commuting all the funds. ...
retirement annuity rules, Devon Card, RA, retirement annuity, retirement planning, Allan Gray, Old Mutual, Section 14 transfer,

What is the maximum penalty that can be imposed for early cancellation of an RA?

19 Apr 2023
It depends whether the fund is an insurance-based or unit trust retirement annuity. ...

Does a living annuity terminate on death or after a fixed period?

11 Jan 2023
Two advisors answer this reader's question. ...
2023 resolutions, new year resolutions, personal finance, budgeting, budgeting tips, Devon Card, Crue Invest, personal finance podcast, Money Rules

How to avoid the dreaded ‘Januworry’

9 Dec 2022
Devon Card of Crue Invest shares some personal finance tips so that you don’t start 2023 skint. ...
retirement annuity rules, Devon Card, RA, retirement annuity, retirement planning, Allan Gray, Old Mutual, Section 14 transfer,

Should I transfer the funds from my maturing RA to another RA?

23 Nov 2022
Or would it be better to leave them in the old one until I'm 65? ...
Devon Card, bursaries, are bursaries taxed, are scholarships taxed, scholarships

Will Sars tax me for funds I receive from my Belgian scholarship?

22 Nov 2022
It depends on whether the scholarship is awarded by an employer or not. ...
REITs, Marius Fenwick, Listed commercial property, property investments, investment portfolio

Should I withdraw excess funds from my home loan and invest them elsewhere?

15 Nov 2022    1
There are many considerations you need to take into account before deciding. Here are a few … ...
inflation, investment, market uncertainty, investment returns,

What would be a good investment for my excess contributions?

8 Nov 2022
Two advisors answer this reader's question. ...
Arno Olckers, saving, the power of compounding, compounding interest, Saving vs investing

Is it my responsibility to redistribute funds in my RA?

28 Sep 2022
As it is the fund manager’s responsibility to manage the fund to ensure Regulation 28 compliance, the investor would remain compliant if invested 100% in a fund. ...
Time to object “ridiculously short”

Is it a good idea to invest in investment properties as a retirement plan?

23 Aug 2022
While there is no right or wrong answer, here are the advantages and disadvantages of this approach … ...
tax debts, retirement tax, pension tax,

What are the tax implications of withdrawing R700k from my pension preservation fund?

26 Jul 2022
Three advisors answer this reader's question. ...
Long Covid-19 insurance claims, long covid, insurance claims

How buy-and-sell cover can de-risk business against death, disability

1 Jul 2022
Devon Card of Crue Invest discusses how this insurance works, what should be included in agreements, tax implications, and benefits for shareholders and co-owners' dependants. ...
tax exemption, tax on savings, fixed deposit savings account,

When can I withdraw R500k from my provident fund tax-free?

9 Jun 2022
Two advisors answer this reader's question. ...

Can I make a second withdrawal from my preservation fund?

4 May 2022
It depends on your age – you may only make one withdrawal from your preservation fund prior to the age of 55. ...
fixed deposit vs unit trust, Michael Haldane, tax-free savings unit trust, tax-free savings account, tax-free investment, unit trusts, emergency fund, emergency funding, savings, where to invest your emergency funds, money market funds, income funds

At 23, what level of emergency funding should I have?

29 Mar 2022    1
And where is an appropriate place to store these funds? ...

Finance checklist: Don’t finish 2021 without ticking these boxes

10 Dec 2021
Devon Card, certified financial planner at Crue Invest, shares a trick on how to review your financial performance for the year, gives five ways to best use your bonus, the tax, estate and insurance p ...
Arno Olckers, saving, the power of compounding, compounding interest, Saving vs investing

Which investment is best for siblings saving to assist their dad in his old age?

7 Dec 2021
What happens to the share of one sibling should they pass or to the investment in regards to their estate? ...

Income fund vs RSA retail bonds: Which can offer a pensioner decent interest?

2 Sep 2021    21
Without knowing how much you need on a monthly basis to cover your living expenses, it is difficult to advise the most appropriate investment for your lump sum. ...

Will Sars penalise my kids for investments I made in their names?

20 Jul 2021    9
It is unlikely, unless the unit trust investments exceeded certain thresholds – but going forward, it is important that they understand what types of incomes the different asset classes attract. ...

Are there any legal and financial benefits to incorporating my law practice?

15 Jun 2021    3
The deciding factor will be whether your income is above or below the 42.4% marginal tax rate threshold. ...

Borrowing from your retirement fund: What you need to know

7 May 2021    4
The current economic climate has led some people to consider dipping into their retirement funds to access capital. But what exactly can you use these funds for, and what percentage of your savings ca ...

What should I consider when purchasing an annuity?

7 Apr 2021    5
And what costs should I expect to pay? ...
financial inclusion, Botswana, South Africa, World Bank report, governments, financial institutions, NGOs, and civil society organisations

Should I keep my insufficient income protection cover?

9 Mar 2021    1
If you have emergency funding that will be sufficient to cover your monthly expenses for at least six months, you may consider cancelling the cover. ...

What’s the best way to contribute R1m to the purchase of a house in the UK for my child?

18 Feb 2021    16
And am I able to have part ownership of the house, which may, as a secondary consideration, avoid donation tax? ...

Which investment vehicle is best for our kids?

15 Dec 2020    3
Our options are tax-free savings accounts, retirement annuities and endowment policies. ...

Will I be able to draw all the cash from my pension preservation fund after March 2021?

17 Nov 2020    2
The scheduled tax legislation change relates specifically to provident preservation funds. ...

Which is more tax-effective: putting R1.5m in a unit trust or my access bond?

23 Sep 2020    2
A third option exists that may be the perfect solution. ...
property, rental income, investing in property, unit trusts, offshore investment

Can I reduce my monthly bond premium instead of the repayment term?

3 Sep 2020
You can. After making your lump sum payment, inform your bank that you want your monthly premiums adjusted accordingly. ...
Trust Administration, Sars, Trust Property Control Act, FATF, Trustees, Phia van der Spuy, Trusteeze, The Tax Faculty,

When I die, will stocks held in a US stock exchange through a UK bank be regarded as US or UK assets?

12 Aug 2020
The location of the asset, not the stockbroking account, is what counts. ...

How is tax calculated when you sell foreign ETFs?

25 Jun 2020
There have been no major changes to the Income Tax Act since 2015, except for amendments to include rates and exemption levels of certain taxes. ...
property, rental income, investing in property, unit trusts, offshore investment

How do I finance a property I technically own?

2 Jun 2020
A secured loan may be the option for you. ...

How can I incentivise clients without affecting cash flow?

19 May 2020
While rewarding clients who are keeping your business afloat is great, you should not commit to negative cash flows in the future. ...
SA Inc, sell-off, 52-week lows

My investment has lost R250k. How can I avoid more losses?

29 Apr 2020
Your decision to withdraw from your RA should not be based solely on the drop in your investment value or the returns promised by a fixed deposit. ...

Can I switch unit trusts without incurring CGT?

10 Mar 2020
It is important to differentiate between a compulsory unit trust investment and a discretionary unit trust investment. ...

Should I take up government’s early retirement offer?

30 Aug 2019
A major concern when considering an annuity income relates to the growth rate assumptions. ...
African venture capital, female fund managers, gender diversity

‘Women make better investors’

2 Aug 2019    4
Crue Invest's Devon Card on women's wealth-building challenges, retirement savings, employees pension funds and building emergency funds. ...

How do I become debt-free?

19 Jul 2019
If the interest rate on your car loan is higher than that of your home loan, consider using your access bond to pay off your vehicle in full. ...
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Devon's views

What’s in a name? The important role of beneficiary nomination in your estate plan

3 Oct 2023
Incorrect nomination can materially affect the nature of the policy, result in additional estate costs, and reduce the inheritance received by your loved ones. ...

Estate planning mechanisms that can help maximise your legacy

12 Sep 2023
It is important to understand which assets fall within your estate and will be subject to estate administration. ...

The sometimes-heartbreaking effects of intestacy

6 Sep 2023
A look at what happens when you die without a valid will. ...

Divorce and retirement funds: 10 things to know about pension interest

25 Aug 2023
The calculation can be complex, and the payout can be time-consuming. ...

Divorce: How women can protect their finances

1 Aug 2023
Putting mechanisms in place to protect couples – especially women – from the consequences of divorce is not common practice, although it should be. ...

Nine things to know about financing your vehicle

27 Jul 2023
If you’re planning to buy a new car, it’s important to understand the process. ...

Mental incapacity: The key role an administrator can play in your loved one’s estate

19 Jul 2023
An administrator takes control of the patient’s assets and property with a view to ensuring that they are managed and protected accordingly. ...

Regulation 28 of the Pension Funds Act: Your questions answered

6 Jul 2023
Legislation needs to be fully understood in the broad context of one’s overall investment portfolio without succumbing to fearmongering, greed, or emotional biases. ...

Questions to consider before becoming a stay-at-home-parent

15 Jun 2023
There are several inherent risks involved and it’s important for couples to be fully cognizant of what they’re stepping into. ...

Divorce: The difficult task of separating your financial affairs

6 Jun 2023
A general guide for those needing to separate their affairs. ...

How you can benefit from a severe illness benefit

23 May 2023
This form of cover can play an important role in helping you to survive financially in the wake of a diagnosis. ...

The financial consequences of your matrimonial property regime

18 May 2023
Many marrying couples fail to grasp the importance of their marriage contract nor the fundamental role it plays in determining their financial future. ...

Don’t assume that your group life cover is enough

8 May 2023
Group life cover should be considered as part of a broader personal financial plan. ...

Financial planning priorities in the wake of a life-limiting diagnosis

4 May 2023
Leaving your affairs inadequately attended to can cause additional emotional stress for your loved ones. ...

The costs of administering a deceased estate

24 Apr 2023
It is evident that a critical part of estate planning is to ensure that there is sufficient liquidity in your estate to meet your various obligations ...

Living together doesn’t remove the need for joint financial planning

5 Apr 2023
Cohabiting couples need to mitigate the financial risks they may face. ...

Creating financial independence for the stay-at-home parent

30 Mar 2023
Exploring mechanisms that couples can employ to create financial independence for the parent that chooses to stay at home and raise the children. ...

Retiring from your fund: The sequence of events to follow

13 Mar 2023
The process of formally retiring from your retirement funds should be approached strategically. ...

Donations and exemptions: Your questions answered

21 Feb 2023
It’s important to understand the tax implications of making donations and which donations are tax deductible. ...

Long-term investing: Focus on the fundamentals

16 Feb 2023
Your reasons for investing are central to the construction of your investment portfolio so being clear on your investment goals is critical. ...

Reasons to invest in a retirement annuity

31 Jan 2023
The weeks leading up to the end of the tax year are colloquially referred to as ‘RA season’ as this is the period in which investors can make lump sum contributions towards their retirement annuit ...

Retirement annuities: Your questions answered

17 Jan 2023
If you’re new to the world of retirement fund investing and want to know more about retirement annuities, read on. ...

Managing your money in your marriage

7 Dec 2022
Money problems are often what trip a couple up and cause the most amount of friction in a relationship. ...

The advantages and disadvantages of a preservation fund

24 Nov 2022
Preservation funds have some distinctive features which investors should be aware of. ...

Budget carefully before buying a bigger home

8 Nov 2022
There are a number of upfront costs and ongoing expenses that need to be carefully planned for. ...

The A-Z of buying investment property

26 Oct 2022    1
There are a number of risk factors which investment property owners should be aware of. ...

Using money markets effectively to achieve your savings goals

12 Oct 2022
It’s important to know the difference between money market accounts and money market funds. ...

Eight essential components of your financial plan

6 Oct 2022
And how they interlace together to achieve a robust strategy for wealth creation and protection. ...

The legal and regulatory requirements of offshore trust reporting

26 Sep 2022
Unpacking the background of the development of these reporting standards and what is required of those involved. ...

A basic guide to drafting a will

14 Sep 2022
Your will is an important document to get right. ...

Assessing your need for long-term insurance

1 Sep 2022
Long-term insurance can play a valuable role in your overall portfolio – provided that it is accurately quantified and appropriately structured. ...

Dementia planning is an important part of estate planning

18 Aug 2022
Loss of mental capacity is a reality of ageing and should not be avoided when constructing your estate plan. ...

Strategic financial management for women is highly effective

8 Aug 2022
A look at the many ways in which women’s financial positions and needs can differ from those of men, and how women can strategically plan their finances to protect their financial futures. ...

Strategic financial decisions leading up to and at retirement

26 Jul 2022
A look at the various investment vehicles that can be used to provide for your retirement years and how they are dealt with pre-retirement, at retirement, and post-retirement. ...

Setting up a business: What to consider when choosing a legal entity

20 Jun 2022
A look at sole proprietorship, partnerships and private companies. ...

Providing for your minor children: The importance of appointing a guardian

15 Jun 2022
Appointing a legal guardian for your minor children will ensure that someone you know and trust will care for them if you are no longer around. ...

What the recent interest rate hike means for your debt

7 Jun 2022
Interest rates have recently been very volatile, with the fluctuations affecting people differently depending on whether they’re an investor or a borrower. ...

What to consider when making your beneficiary nominations

26 May 2022
Start with understanding your intentions for the proceeds of the policy. ...

The advantages and disadvantages of a living trust

25 Apr 2022
And what you should be aware of when setting one up. ...

Divorce planning: Calculating the pension interest

13 Apr 2022
Pension interest calculation is a complex area of financial planning. ...

12 reasons to choose your trustees carefully

31 Mar 2022
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. ...

Setting up your living trust: A basic guide for trust founders

15 Mar 2022
It is important to make sure that your trust is set up as a valid legal structure that will, if necessary, withstand legal scrutiny. ...

Thinking about divorce? Here are some questions to consider

3 Mar 2022    1
The immediate and longer-term consequences of divorce cannot be overstated. ...

Administering your estate: It matters how you are married

17 Feb 2022
It is important to understand how your marital property system affects your property rights and your ability to distribute your assets. ...

What to consider when choosing an annuity income

31 Jan 2022
The complexities and variables involved in the decision-making process are enormous. ...

The significant advantages of investing in an RA

25 Jan 2022
Interest and dividend income earned by retirement funds are exempt from tax. ...

A financial planning calendar for 2022

10 Jan 2022
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. ...

How to use your credit card responsibly this festive season

13 Dec 2021
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. ...

Moving in together: How to set up your cohabitation agreement

2 Dec 2021
The ultimate aim of such an agreement is to ensure that, if the relationship ends, litigation is avoided. ...

The many functions of an estate plan

25 Nov 2021
Estate planning to a large extent involves the optimal structuring and managing of your assets while you are still alive. ...

Debt and deceased estates: Your questions answered

11 Nov 2021
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. ...

The real financial impact of dementia

25 Oct 2021
Exploring the costs associated with treating dementia and caring for a dementia sufferer. ...

How to prepare for retirement

12 Oct 2021    1
If retirement is on your dashboard, here are some tips on how to prepare adequately for this life stage. ...

Choosing your medical aid plan for 2022: First understand the terminology

4 Oct 2021    1
With 18 open medical schemes and hundreds of plan options to choose from, making a decision can be overwhelming. ...

Gap cover: Top-up health insurance that can protect you financially

30 Sep 2021    2
Unpacking the mechanisms of gap cover and what to look for when choosing a benefit. ...

Donations tax and tax exemptions

16 Sep 2021    2
Donations and tax exemptions form an important part of one’s overall financial and estate planning. ...

Is your will valid? Here’s a checklist

7 Sep 2021    7
Checking the validity of this all-important document means paying careful attention to the detail. ...

Offshore trusts: Onerous reporting obligations

23 Aug 2021
Before setting up an offshore trust, it is worth understanding one’s reporting obligations. ...

Your credit card: Money management necessity or debt trap?

19 Aug 2021    1
If used responsibly, a credit card can have significant benefits to the user. ...

Financial advice for women starting out their careers

10 Aug 2021
Taking a set of intentional, strategic steps at the outset of your career can be pivotal to your financial success. ...

Retirement accommodation: Life rights versus independent living

12 Jul 2021    1
An essential guide on what to consider. ...

Maximising the returns on your savings requires strategic tax management

7 Jul 2021
The interplay between tax and investment returns can be complex. ...

Living benefits: Protecting the value of your future earnings

28 Jun 2021
Disability insurance is designed to address the financial exposure a person faces in the event of permanent or temporary disability. ...

Succession: Transferring your wealth to the next generation

21 Jun 2021    1
Succession planning should take place holistically and with a view of your entire estate – both local and offshore – to ensure that no conflicts, confusion, or omissions occur. ...

Compulsory versus discretionary investments

7 Jun 2021    1
And why you probably need both. ...

10 things to know about divorce and your retirement funds

24 May 2021
Before contemplating divorce, couples should first seek to understand the impact that it will have on their retirement savings. ...

Incorporating a tax-free savings account into your investment portfolio

18 May 2021
A TFSA can be a useful tool in your investment portfolio to achieve investment growth over a longer term. ...

The benefits of taking a long-term investment view

13 May 2021
Those who are invested to achieve longer-term investment objectives can expect to enjoy a smoother, less emotional ride. ...

The accrual system: This is why estate planning is so important

22 Apr 2021    2
Failing to deal adequately with the impact of the accrual system where the marriage is dissolved by death can lead to serious financial complications. ...

Direct offshore investing: Here’s what it entails

9 Mar 2021
There are significant tax and estate planning consequences that should be considered. ...

Financial planning in the wake of retrenchment

4 Mar 2021    1
Ten critical steps to take to avoid making errors that can cost you later on. ...

First-time investing: setting up your retirement annuity

12 Feb 2021
A step-by-step guide on how to choose and set up an RA that is appropriate for your needs and circumstances. ...

Choosing a retirement annuity: here’s what to consider

3 Feb 2021    2
With the end of the 2020/21 tax year almost upon us, now is a good time to consider setting up a retirement annuity. ...

Your rights as a cohabiting partner

19 Jan 2021
Contrary to popular opinion, living together or cohabitation is not a recognised legal relationship in this country. ...

Financial planning fundamentals

15 Dec 2020
Here’s what your financial plan should incorporate. ...

What to consider before shopping this Black Friday

26 Nov 2020
Don’t let the lure of Black Friday distract you from your financial priorities. ...

What does your good health mean for your retirement plan?

17 Nov 2020
Being fit, healthy and free from ailments may give one a false sense of security when it comes to planning for the future. ...

Here’s how your loved one’s estate will be wound up

10 Nov 2020
The winding-up process can be an extremely frustrating and time-consuming exercise subject to bureaucracy and red tape. ...

Income protection: providing a salary when you are unable to earn

5 Nov 2020
Income protection is crucial for anyone who depends on their monthly income to cover their living costs and save for retirement. ...

Dying without a will: here’s what happens to your earthly possessions

26 Oct 2020
Your estate will be distributed according to the guidelines of intestate succession. ...

Updating your financial plan after marriage

15 Oct 2020
Practical steps couples can take to create structure and fairness when it comes to marital finances. ...

Different retirement funding vehicles and how they work

8 Oct 2020
A look at the rules for withdrawals, early termination and transfer. ...

Estate planning: understanding the technical jargon

22 Sep 2020    1
Examining the more commonly used phrases and terms in estate planning. ...

In-fund annuities: what you need to know

1 Sep 2020
There are many other factors to consider before opting for the in-fund option. ...

10 questions to ask before appointing a financial advisor

27 Aug 2020
Choosing the right person and advisory practice is a fairly important decision. ...

Financial recovery after divorce

12 Aug 2020    1
Steps to help you rebuild your finances as soon as possible. ...

Preservation funds: Your questions answered

6 Aug 2020
It is important to understand exactly how preservation funds work. ...

Your insurance cover: Read the fine print

28 Jul 2020
What to pay attention to when taking life cover. ...

Choose your trustees carefully

16 Jul 2020
Many people who agree to take on the role of trustee are not fully aware of their duties and obligations, nor the extent to which they can personally be held liable. ...

Investing: Focus on the fundamentals

9 Jul 2020
It is important to understand what risks you are buying into when putting your hard-earned money to work. ...

Stopped smoking? Here’s what you can save

1 Jul 2020
Your new status as a ‘non-smoker’ could result in a more favourable insurance premium, and this saving can be put to good use. ...

These cognitive biases can affect your investment decisions

23 Jun 2020
It makes sense to be aware of the biases our brains are hard-wired for. ...

Ensuring liquidity in your estate

19 Jun 2020
Four steps to follow to ensure there are no liquidity shortfalls in your estate. ...

Five financial planning tools for single parents

10 Jun 2020
Fortifying your finances as a single parent means taking all steps possible to protect your income and your child’s future. ...

Financial desperation: A breeding ground for Ponzi schemes

3 Jun 2020
As the coronavirus pandemic leaves more people in financial distress, the breeding ground for investment schemes is unfortunately fertile. ...

An income for life: Understanding living annuities

28 May 2020
What to consider when making this critical decision. ...

Drafting your will: Avoid confusion and invalidity

19 May 2020
It is important to be clear in your mind what your attentions are. ...

Choosing your annuity income

7 May 2020
The factors you need to consider when choosing between a life and living annuity. ...

The future cost implications of your purchases

21 Apr 2020
What you need to consider to avoid buyer's regret. ...

Coronavirus: What you need to know about accessing your investments

9 Apr 2020
If you do need to access your funds, be sure that you fully understand the tax and future consequences of doing so. ...

How to get your estate planning file in order

3 Apr 2020
This folder will help your family be prepared for any eventuality. ...

Don’t make these financial mistakes in your 20s

25 Mar 2020
Without the benefit of life experience, this decade can also be one where we make financial mistakes. ...

Eight financial solutions: do you need them?

19 Mar 2020
And how much do they cost? ...

Key retirement funding concepts

12 Mar 2020
Exploring retirement vehicles and funds and the associated legislation. ...

What causes people to make bad financial decisions?

2 Mar 2020
Seven factors that affect our decision making. ...

What is the real return of your investment property?

27 Feb 2020
Do your research so you can make an informed decision. ...

Risks to consider before investing in buy-to-let property

10 Feb 2020
Be sure you know what you are committing to financially. ...

Using retirement annuities optimally to build long-term wealth

14 Jan 2020
A look at the advantages of unit trust RAs. ...

Financial advice for new parents

5 Dec 2019
Things to consider to help keep your financial health on track after your child's birth. ...

Smart money moves for new graduates

28 Nov 2019
25 tips that will help you with 'adulting'. ...

9 investment myths worth debunking

7 Nov 2019
These myths should not prevent you from saving for your golden years. ...

Millennials require a hybrid approach to advice

31 Oct 2019
Millennials prefer an advice mix that allows them to move between technology-driven advice and human expertise. ...

What to do (and not to do) with your bonus

15 Oct 2019
A few dos and don’ts to consider before blowing your bonus. ...

Eight steps to starting your financial journey the right way

3 Oct 2019
Effective financial planning puts mechanisms in place to help you realise your goals. ...

Financial advice for young entrepreneurs

9 Sep 2019
One of the main reasons that small businesses fail is a lack of upfront and ongoing financial planning. ...

Ten things to know before you invest

29 Aug 2019
Investment markets are volatile and subject to short-term fluctuations, making timing the market incredibly difficult. ...

Two effective tools to risk-proof your business

7 Aug 2019
Business owners can use business assurance and key person insurance to proactively reduce or mitigate risks, provide liquidity and ensure smooth succession. ...

Keep financial planning on track through pregnancy and birth

1 Aug 2019
With your partner, prepare a realistic post-baby budget that covers your maternity leave period, then work out the shortfall. ...

The advantages of a retirement annuity

26 Jul 2019
Investors can save tax and, at retirement, withdraw R500 000 tax-free from their RAs. ...

Why you need an emergency fund

17 Jul 2019
Put your money in an account with an interest rate that at least matches inflation. ...

Active versus passive investing

8 Jul 2019
Each investment style has its own advantages and disadvantages, which should be considered along with costs and risk. ...
SHOW MORE
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