Saving for big goals doesn’t have to feel overwhelming. We’ll help you get there, step by step.
Whether you’re looking to plan for retirement, education, or any other important goal, we have the expertise help you build a clear plan and an investment strategy around your goals.
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It's vital to earmark enough money for any emergency that could undermine even the best-laid plans.
Credit cards can make sense for certain purchases, but keep in mind: Any interest you pay eats into potential savings.
You don't want to rack up high-interest debt. Keep that up.
That's pretty normal.
But we don't want that high-interest debt to spiral up on you.
You'll find helpful debt management tips in your Personal Action Plan.
When paying down debt, you want to focus first on debt that can damage your finances the most: high-interest debt.
One key to a successful retirement: making the most of any workplace savings plan opportunities, where each rand saved has the potential to grow tax-deferred or tax-free.
OK, let's pause here for a second .... your employer's matching contribution is like "free money"! Contributing enough to earn it all could really help boost your balances. We'll show you ways to maximise this.
Your company's contribution match is like "free money"—contributing enough to earn it all can make a big difference in helping to build your future nest egg.
One of your first savings goals should be to set aside enough cash to cover any unexpected bill that could knock your finances off course ...
Let's make sure you build that cushion. We can help you create a personal financial plan.
Saving an appropriate amount for retirement doesn't have to be guesswork.
As a rule of thumb, we recommends
that you save a minimum of 15% of your income in a tax-advantaged investment vehicle.
Saving for multiple goals can sometimes feel overwhelming, but we can help you gain some clarity.
Your goals can vary dramatically, including when you need the money and how much. That's why it's so important to build an approach to investing that's right for each individual goal.
In fact, you're doing better than a large percentage of South Africans.
Half of middle-income South Africans spend their monthly salary within 5 days
Well, you're not alone. A large percentage of South Africans are in the same boat. But we can help you fix that. Half of middle-income South Africans spend their monthly salary within 5 day.