When the final note is played, debts become a part of the legacy shared. (Anonymous)
Debt’s journey
Unfortunately, your debts don’t evaporate when you pass away. But there is a silver lining as they don’t typically hitch a ride to your family either – unless they’re tied by joint financial obligations or a community of property marriage (a marital regime […]
“I’ll tax the street, I’ll tax your seat, I’ll tax the heat, I’ll tax your feet.” (Adapted from Taxman by The Beatles)
Why do I have to pay CGT in the first place?
Following a worldwide trend, South African authorities introduced CGT in 2001 to broaden the tax base. Before CGT was introduced, salaried employees shouldered the vast majority of the country’s […]
The beauty of debit orders is that they make investing a habit, not an afterthought.” (Warren Buffett)
We’re all human – which often means being emotional and not consistently disciplined. Debit orders remove the emotion from investing and encourage responsible behaviour. With debit orders in place, you don’t have to choose between contributing towards your retirement or upgrading your Apple watch […]
In today’s digital landscape, a robust social media presence is indispensable for accountants aiming to enhance their brand and attract clients. Here are ten effective social media tips tailored for accounting professionals in South Africa:
1. Develop a comprehensive social media policy
Ensure your firm has a clear social media policy to guide employees in representing the brand appropriately online. This policy […]
Europe and South Africa have turned the tables on the US stock market, outperforming them in February and year-to-date due to signs of a slowing US economy, trade policy uncertainty and a rotation out of tech stocks. Trump-related investor optimism has dissipated, leaving the US stock market in the red since he took office.
While the STOXX Europe 600 has achieved […]
A life of luxury sounds nice, but generational wealth sounds better.” (Unknown)
As the old adage goes: “The first generation creates wealth, the second generation preserves wealth, and the third generation squanders it!” Our goal is to prevent this.
If you’re fortunate enough to have created generational wealth, it’s extremely important that your heirs know about your hopes for the future use […]
“A big lesson in life is never to be scared of anyone or anything”. (Frank Sinatra)
If you were born between 1946 and 1964, you are part of the Baby Boomer generation. This generation is known to be flexible and robust, having lived through many bulls and bears over the decades.
Whether you’re contemplating retirement or already ticking off your bucket list, […]
“Focussing is about saying no.” (Steve Jobs)
What is the point of investing?
In simple terms, there are only two reasons to invest:
January has been a volatile month for global and SA equities. Stock markets experienced a “Trump bump” after his inauguration on January 20, driven by expectations of market-friendly policies. However, equities retreated to end the month with modest gains as investors weighed tariff uncertainties, shifting interest rate expectations, and growing concerns about the sustainability of the technology sector’s remarkable run.
So, […]
If your compassion does not include yourself, it is incomplete.” (Jack Kornfield)
There’s a common question financial advisers get asked when discussing life insurance: “Why should I give up some of my income when I am alive so that my family can be rich when I am dead?”
It’s more than just a provocative enquiry, though. It’s a useful way to start […]
