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Should You Pay Off Your Bond Ahead Of Schedule?

There are benefits and pitfalls to paying off your home loan sooner than expected, so technically there’s no right or wrong answer. It all depends on your individual circumstances, long-term objectives as well as how you plan to structure your own or family’s...

How To Financially Prepare For Motherhood

Entering the world of motherhood is a time of great joy and excitement but it can also be a time of stress and uncertainty. During pregnancy, expectant parents do a lot of research, as they should, about so many things. They find themselves looking into everything...

How Should A 23-Year-Old Invest Their Money?

The first thing to do is to set a budget. This is the first and most important step to financial independence. A budget tells your money where to go instead of you wondering where it disappeared to. It also tells you how much you need every month to live the lifestyle...

Education: The Only Lasting Legacy For Your Children

One of the greatest responsibilities and privileges of being a parent is to provide a great education for our children. Among parents’ main concerns today are: how will I afford it; and, what if I die before I have a chance to safeguard my child’s future? Madiba said...

Health Insurance Plan: A Must-Have In The Modern Era

The boom in the number of health insurance companies and the competition in this market denote how significant health insurance plans are nowadays. These health insurance companies are always competing with each other to provide the most affordable health insurance...

Make Use Of Treasury Tax Breaks

It is never too late to start saving for a rainy day and following the announced April 1 VAT increase in the February Budget Speech, now is a better time than most as South Africans face a rise in their cost of living. The higher VAT rate was the stand-out item of the...

Budgeting Tips For Homeownership

According to Adrian Goslett, Regional Director and CEO of RE/MAX of Southern Africa, one of the questions he is most often asked is how it is possible to afford the expenses of homeownership, from saving towards a deposit and covering the transfer costs to making the...

5 Ways To Survive The Festive Season

While December is supposed to be a time to relax and spend time with the family, for most people it is also a time of high stress. Yet with just a small amount of planning you can have a stress free festive season. Survive financially Create a budget for December and...

TPD Insurance – What Is It And Why Do You Need It?

Majority of us hold TPD insurance in super funds but do you know what TPD is exactly and why you should need it? TPD is an insurance acronym which means Totally and Permanently Disabled and this is why TPD insurance is that form of life insurance which insures the...

Investing Is Not Just For The Wealthy

Select the right investment instrument to generate regular income from your returns. South Africa’s household savings rate is very low. As a percentage of gross domestic product (GDP) it is sitting at just 16%. According to the latest statistics from the National...

480 Pay Cheques Before You Retire – Will It Be Enough?

Have you ever stopped to wonder exactly how much money you’ll need to retire? And if your current contributions will help you be debt free when you’re ready for retirement? According to Liberty Financial Adviser, Phillip Kassel, “Most employees earn approximately 480...

Short-Term Holiday Leasing: Are You Covered?

Almost 400 000 guests were welcomed to South African Airbnb homes in 2017, according to the international short-term lodging company. However, homeowners need to be aware of the insurance risks involved before they hand over the keys to their guests, cautions Nazeer...

You’re Never Too Young For Life Cover

Bad things can happen to anyone, which is why it is important to ensure you have policies in place to protect your financial interests, according to experts from Liberty. Liberty recently released its claims statistics for 2017 at a briefing in Cape Town. During the...

Does A Lump Sum At Retirement Age Make Sense

The thought of receiving a large lump sum at retirement is appealing to many people, and dreaming of spending it can make all the hard work over a lifetime seem worthwhile. Provident fund members, unlike pension fund members, are not compelled to convert the lump sum...

Slow But Sure Way To Get Yourself Out Of Debt

Debt is like deceit: a relatively minor transgression can trigger a series of increasingly serious transgressions, each to cover up the previous one, until the situation is worse than anything you could have imagined. Just ask Markus Jooste. Or take the following...

Teaching Money To Your Teen

Today we are celebrating the most important people in our lives - our mothers. One of the qualities mothers should possess is compassion, a characteristic that enables them to always lend a helping hand to their children. And what better people to teach teenagers...

Planning: The Secret To Living Your Best Life After Retirement

Whether you’re in the early stages of thinking of your retirement or are ready to retire, it requires careful planning for you to ensure you have enough money to cater for your new chapter – one where you are effectively paying yourself a salary to last you the rest...

Don’t Let Financial Stress Override A Happy Pregnancy

How to prepare financially for motherhood Entering the world of motherhood is a time of great joy and excitement but it can also be a time of stress and uncertainty. John Manyike, Head of Financial Education at Old Mutual, says, “During pregnancy, expectant parents do...

How To Invest Offshore, An Easy Guide

You can invest indirectly or directly – both have various options. Why invest offshore (outside South Africa)? South Africa represents less than one percent of the world economy and restricting yourself to local investments means you will lose the opportunity...

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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.

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