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7 Tips To Beat The Petrol Blues

Want to beat last Wednesday's petrol price hike? Fill up now‚ carpool to work or walk more. These are some of the tips from Sanlam Personal Finance solutions manager André Wentzel ahead of the record high fuel price increase. Wentzel said on Tuesday there were...

9 Investment Mistakes That Affect Retirement

The majority of South Africans will not have enough money to sustain their current standard of living when they retire, research has shown. Recent increases to VAT and the fuel levy, among other things, have worsened the outlook for some; yet compromising on your...

Why Insurance Is A Necessity And Not A Grudge Purchase

Most of us think about insurance as a grudge purchase. We have debts to pay and a lifestyle to support. We don't like paying monthly premiums because we could use that money to further enhance our lifestyles. However, according to FNB Head of Consumer Education...

What Is Responsible Investment?

There is a growing awareness of a need for responsible investing by individual and institutional investors, according to Jana van Rooijen, a responsible investment specialist who looks after the Responsible Investment Initiative of Momentum Investments. She says the...

3 Of The Biggest Mistakes South Africans Are Making With Their Money

It’s time to start managing your money like a grown-up. That’s the harsh truth South African author Sam Beckbessinger dishes out in her new book of a very similar name. Refreshingly, Beckbessinger comes from a uniquely South African point of view, and is able to tell...

Dividends vs Interest: Balancing Your Tax Burden

Not all sources of income are taxed in the same way. The interest income that you earn in a savings account, for example, is taxed differently to dividend income you earn as a shareholder in a company. As an investor and taxpayer, you should manage your investments...

5 Tips To Finance A Start-Up Without Getting Into Debt

There is a rising appetite among South Africans, particularly younger generations, for running a business and becoming their own boss. This is according to the 2017 Old Mutual Savings and Investment Monitor (OMSIM) which found that over a third (34%) of Generation Z...

Cash As A Wedding Gift – Why It’s A Brilliant Idea

Saving towards a deposit on your first home or the birth of a baby is so much more rewarding than receiving a second dinner service set. It's no longer uncommon for newlyweds to opt for cash instead of traditional wedding gifts, as cash comes with possibilities that...

5 Ways To Improve Your Credit Score

Thanks to the National Credit Act, you’re entitled to a free up-to-date credit report every year. “Taking advantage of this free online service via a registered credit bureau is definitely a good idea,” says Soré Cloete, the senior legal manager at Old Mutual Personal...

4 Simple Ways To Manage Risk

Facebook founder, Mark Zuckerberg once said, “The biggest risk is not taking any risk. In a world that’s constantly changing, the only strategy that’s guaranteed to fail is not taking risks.” The truth is, risk is inevitable, and you can’t escape it. So the only...

Saving: A Late Start In The Race

You are in your late 30’s and have suddenly realized that financially you aren’t ready for your children’s education or marriage. Worse still, you haven’t even secured a house. Don’t despair, for you are not alone. Many of us start chasing our goals quite late in...

Don’t Let Money Get In The Way Of A Good Relationship

With the recent royal wedding all eyes were on Prince Harry and Meghan Markle as the world awaited the next step in their regal romance. Media reports have announced that this power couple have opted to forego signing a prenup, and will instead live out their...

10 Things To Know About Asset Management

1. Licensing of asset managers South African asset managers must register as Financial Service Providers (FSPs) with the Financial Services Board (FSB) – now the Financial Sector Conduct Authority (FSCA) – under the Financial Advisory and Intermediary Services (FAIS)...

5 Ways To Get Your Side-Hustle Off The Ground While Avoiding Debt

A growing number of South Africans are pushing their hobbies, skills and interests through what have commonly become known as side-hustles — the hope being to either create an income, or to supplement the one they already have. Starting one's own business is a...

Don’t Wait For A Sellers’ Market To Upgrade

Homeowners who are thinking of selling and “trading up” to a bigger or a better home had better be quick now if they want to get the best deal. “With interest rates starting to come down and demand on the rise, many home owners are holding back on selling now in...

6 Money Moves Every Woman Should Make Before Having Kids

There's not a lot that can prepare you for baby. But as you're riding out the late night feedings and sleep deprivation, it helps if you can cross one (kinda major) worry off your to-do list: your finances. No, you can't account for every single cost that's going to...

Personal Finance Tips For Students To Prepare For The Real World

Adulting is tough... Trust me I know. I am speaking to you from the other side. Having been a student and in the working world, there are some things I wish that I had known about earlier that would have helped me with personal finance tips. The financial transition...

Looking After Your Investment

It’s a good idea to check your investments regularly but do it too frequently. When should you check on your investment? Lettie Mzwinila, business development manager at Allan Gray shares some tips on looking after your investment. In his personal finance handbook,...

You Should Aim To Be Debt-Free By 45

Most South Africans don't know how much time is left before they retire. They don't have a financial plan in place to settle their debts and start investing. Unfortunately, the majority of income earners will have to seriously downgrade their lifestyles when regular...

Tackling Spending Patterns Holds The Key To Your Financial Freedom

Young people often mistake financial freedom for spending money on whatever they fancy. However, a lifestyle of saving, and not living in the hope of a big payday, is the surest route to financial freedom. People think financial freedom means you can buy anything you...

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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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