This article is an extract from the Liberty customer newsletter on why we procrastinate and the impact it has on our finances The beginning of the New Year always brings with it those inevitable New Year's resolutions, and if there is one New...
You are Here >
Home >
Where to keep emergency funds?
“As part of one’s personal financial plan, I believe in having 3-6 months living expenses saved up and easily accessible in case of an emergency. “My wife and I have saved extra funds into our mortgage bond and estimate that the value of the...
Group saving bank accounts
If you form an investment club you will still need to have a bank account for the group in order to collect money and pay out withdrawals. Speak to your bank about the best account for your needs. These bank accounts are specifically aimed at...
Tap and pay
Absa recently launched the first fully functioning bank card that enables customers to simply tap and pay for low value items. Building on Absa’s PayPassTM technology which is behind the roll out of the My Citi transit card in Cape Town and the BRT...
Borrowing to study
It is that time of year when many students will be selecting their courses for the year. In an ideal world one would have saved enough to pay for one’s studies, but unfortunately this is seldom the case and most students need to consider taking a...
Cost effective investing
A study by international fund rating agency Morningstar showed that the best indicator of outperformance by a fund was low costs. It is however often the cost of accessing that investment rather than the actual management fees that really hurts...
One in four can no longer afford medical aid
One in four people can no longer afford to pay for medical aid, a flash survey among users of online financial guide, Justmoney.co.za, has revealed. As the price of medical aid premiums rises by an inflation-busting average of 9.11%*, adding to the...
No value to be found in local listed property industry
Local listed property in South Africa is overpriced at current levels and investors should avoid the industry until prices are reduced to fair value. This is according to John Rainier, property analyst at value asset manager, RE:CM, who says the...
Investment clubs are a good way to learn about investing on the JSE
If you are new to investing on the JSE and are looking for a good way to get your feet wet or you feel more comfortable learning about investing with others than on your, you can start a share club where you research companies and to discuss...
RSA retail savings bonds as an investment
“Are RSA retail bonds still a good choice of investment over a 3 or 5 year period. And what interest rates are the offering at this stage?” writes Peter who is 65 years old. Maya replies: If you are simply comparing interest rates to a bank deposit...
Previous Articles
RSA retail savings bonds as an investment
“Are RSA retail bonds still a good choice of investment over a 3 or 5 year period. And what interest rates are the offering at this stage?” writes Peter who is 65 years old. Maya replies: If you are simply comparing interest rates to a bank deposit then the RSA retail...
RSA retail savings bonds as an investment
“Are RSA retail bonds still a good choice of investment over a 3 or 5 year period. And what interest rates are the offering at this stage?” writes Peter who is 65 years old. Maya replies: If you are simply comparing interest rates to a bank deposit then the RSA retail...
RSA retail savings bonds as an investment
“Are RSA retail bonds still a good choice of investment over a 3 or 5 year period. And what interest rates are the offering at this stage?” writes Peter who is 65 years old. Maya replies: If you are simply comparing interest rates to a bank deposit then the RSA retail...
Q&A: Buying Capitec
"I'm sitting with some cash and would like to invest it so I can get good returns on it. I have no knowledge of the investment game but I am looking at a long term investment. I've noticed the buzz around Capitec Bank and I would like to ask you if it would be a good...
Five tricks to reduce your home loan
Homeowners can reduce the term of their home loan and the total that they pay in with careful budgeting and clever tricks. A house is usually the biggest asset that you will buy in your lifetime, but it's made affordable by the 20-year term of monthly repayments. Most...
Billions of rands paid out by employee share schemes
Due to significant increases in share prices, some participants in company share schemes are receiving payouts of hundreds of thousands of rands. If you are one of those lucky individuals, you need to use this opportunity to build your wealth base and also consider...
Medical Aid for individuals earning less than R9k per month
Unexpected medical costs can wipe you out financially so insuring for hefty medical bills is an important part of your financial plan. Medical schemes are fairly expensive and have been seen as the preserve of higher income earners. Fortunately medical schemes have...
Getting your admin in order
While it is very important to keep track of your day to day expenses as well as your longer term financial goals, you also need to ensure that your financial administration is up to date. If you need to urgently get hold of vital paperwork do you have any idea where...
Money management tools
One thing all financially savvy people have in common is that they have a good handle on their money. They know how much they are worth, what they spend each month and where their money is going. They have savings goals and they understand their debt commitments. This...
How to halve retirement costs
By restructuring the way we save for retirement we could halve the cost of retirement savings vehicles. The current model of annual fees and a lack of preservation is unnecessarily driving up retirement costs according to Anton Gildenhuys, head of Sanlam Personal...