Change is a constant and priorities can shift quickly. That’s why we’ve streamlined your experience to draw attention to the information that others are finding useful.
We’re here for you, now and always. Whether you’re adjusting to an unexpected change or celebrating a big milestone, we can help. Our resources, guides, and tools can help you navigate these important moments—and give you the clarity and know-how you and your family need to move forward with confidence.
Life events
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Emergency Fund
It's vital to earmark enough money for any emergency that could undermine even the best-laid plans.
Good for you.
That's wise protection that can help keep the rest of your finances moving forward.
That's a common problem among a vast majority of Americans. We can help
you build that needed protection in your Personal Action Plan.
Then we want to make sure you can weather a setback, just in case. We've added some helpful tips in your Personal Action Plan.
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Credit Cards
Credit cards can make sense for certain purchases, but keep in mind: Any interest you pay eats into potential savings.
That's one surefire way to avoid debt.
But keep in mind: There are times
when credit cards may make sense.
We'll show you when if you wish to set up a consultation.
That's smart.
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.
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Debt Reduction
When paying down debt, you want to focus first on debt that can damage your finances the most: high-interest debt.
Nice! That's one less bill you need to worry about, letting you focus more on saving
Well, you have lots of company—many South Africans have similar debt difficulties. But
let's help you build a plan for reducing it.
Our tips in your Personal
Action Plan can be a good start.
Just in case, your Personal Action Plan now includes tips for reducing any debt.
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Retirement Plans
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.
Keep in mind, though:
You still have other powerful ways
to save—with the potential of tax-deferred or tax-free growth. We'll
show you in your Personal Action Plan.
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.
Beautiful!
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.
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Cash Cushion
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 ...
Great!
You should make it a point to keep it that way.
No stress. We can come up with some ideas to help you build that cash cushion.
Ok then...
Let's make sure you build that cushion. We can help you create a personal financial plan.
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Retirement Savings
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.
Excellent! Keep up the good work—you're doing better than most South Africans.
OK, saving 15% has actually proven tough for most South Africans.
But we'll
show you how even a small increase in your contributions can make a big
difference to your balances.
Then we'll show you how to make the most of this savings opportunity when we start building a relationship with you..
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Prioritising Goals
Saving for multiple goals can sometimes feel overwhelming, but we can help you gain some clarity.
Who doesn't, right? We can help you build a game plan for managing all your goals once we talk.
OK, then let's focus on helping you make the most of your retirement savings opportunities.
If another goal pops up at some point, we can help you build an action
plan to help achieve it.
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Investment Strategy
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.
Fantastic.
Keep in mind, though: Market performance can still knock your
investment mix out of balance from time to time.
We'll show you how to
wisely review your portfolio.
That's a big to-do. We'll help you build an appropriate mix for each goal in your Personal Action Plan.
Alright. We can help you build an appropriate mix for each goal in your personal financial plan.
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Money Habits
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.
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I agree and accept that a qualified representative from attooh! Financial Wellness (PTY) Ltd will contact me on the details provided within this submission, only for the purpose of providing licensed financial services as set out by the FSCA regulatory framework, and that my inform provided herein is accurate and correct.