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Stick To This Year’s Financial Resolutions

If your New Year resolution is to get your finances in order, don’t try and tackle it all at once. You will become overwhelmed and more likely to give up. Rather set yourself monthly tasks and aim to have your finances overhauled and organised by the end of the year....

5 Types Of Investments And How They Work

Since I write a lot about personal finance, I frequently get questions about investment advice. My advice – to the extent that I even give it – is very guarded, and always followed with seriously generous disclaimers. The two most frequent questions I get from readers...

Reduce The Cost Of Investing Without Becoming A Bore At Parties

So you are already ahead of most of the population when it comes to your finances. First, you realize that to invest is the only reliable way of being financially secure (seriously). Second, you know that reducing the cost of investing is a big part of getting your...

A Christmas Message For You

The team at Liberty North West Franchise wishes you peace, joy and prosperity throughout the coming year. All our advisors thank you for your continued support and partnership. We look forward to working with you next year and also in the years to come! Contact us...

3 Things To Let Go Of Before January

Instead of focusing on the things you are going to do with Liberty Life Rustenburg, why not consider what you are not going to do on your own in 2019? 1. Self-limiting beliefs: Kate Emmerson, author of Ditch Your Glitch (Metz Press) says: “Those little self-doubting,...

How To Avoid Fighting About Money With Friends And Family

Stretching your budget can be difficult, especially when family and friends add to the strain. There’s nothing wrong with helping family financially, after all, it’s what friends and family are for, but everything has a limit. The question is are you in control of...

If Your December Salary Won’t Last, Read This!

Getting paid earlier than usual brings welcome relief during the festive season when we will inevitably spend more than usual. But before you rush out to blow your salary, remember it needs to last up to 40 days before your next salary comes in! Statistics show that...

The Cost Of Raising A Child

Whether you’re just starting a family or are welcoming another little bundle of joy into the world, a child will have a significant influence on your life. Raising a child may be one of life’s most rewarding experiences, but as a parent your priorities and...

The Essentials Of Estate Planning

Estate planning is an inescapable fact of life but the right financial adviser will guide you through the process and ultimately structure your estate not only for your benefit, but also for that of your beneficiaries. Below are the considerations for estate planning,...

What Investment Trends Can Teach You

As an investor, there's not much that you can control. Having a plan and sticking to it are among the few things you can. Financial advisers will tell you that that is the best way to achieve your investment goals. "Seldom has a year highlighted the importance of...

Does Low Cost Equal Low Value?

Only 6% of South Africans retire comfortably. The other 94% generally depend on some form of societal or familial welfare. Why is this the case, and what can retirement savers do to ensure that they fall on the right side of this statistic? Most companies across the...

What Are The Risks Of Investing In The Money Market?

Instead of sifting through hundreds of seemingly equal investment options, you decide to ask a friend, who has a background in finance, to point you in the right direction. “Invest in the money market,” she tells you confidently. “You’ll receive higher returns and...

What Really Goes Into Calculating Your Insurance Premium

When the time comes to renew a client’s insurance policies, insurers are likely to alter monthly premiums based on a range of factors such as changes in the details of the insurance policy, anticipated claims inflation on the assets being insured, and changes in cover...

How To Get A Tax Refund From SARS

Individuals that are in salaried employment have limited tax benefits. There are, however, certain tax benefits that may be used by individuals in salaried employment who are aware of the South African tax laws. These can be grouped into the following categories: 1....

A ‘Help When You Need It Most’ Policy

Insuring yourself and your family against severe illness is increasingly prudent. A severe illness policy can be used to cover the cost of childcare, for example, in the event you are seriously ill. Claims statistics released recently by three large life assurance...

5 Tips For Managing The Finances In Marriage

Finances are a serious matter in marriage. The way the couples handle the finances and their behaviour regarding them takes the third place of reasons for divorce. Money is usually a subject couples avoid to talk about, although they may try to be as transparent as...

7-Step Roadmap To Riches

If you don’t get your finances right; you can’t get your future right. Why do you work? If it’s only to cover monthly expenses, and to service debts, without considering the future, you may want to continue reading... You need a financial reality check, and work out...

Surviving The Silly Season

Before the Halloween decorations are removed, fake Christmas trees, and gold and silver balls will be decorating the shopping malls It may seem premature to be talking about the festive season, but at the end of this month it will be only 54 days before two-thirds of...

North West Franchise is an affiliate of Liberty

The information contained in this document does not constitute advice by North West Franchise. Any legal, technical or product information contained in this document is subject to change from time to time. If there are any discrepancies between this document and the contractual terms or, where applicable, any fund rules, the latter will prevail. Past performance cannot be relied on as an indication of future performance. Investment performance will depend on the growth in the underlying assets, which will be influenced by inflation levels in the economy and prevailing market conditions. Any recommendations made must take into consideration your client’s specific needs and unique circumstances.

Liberty is an Authorised Financial Services Provider in terms of the FAIS Act (License No. 2409)