Category: SFP

Slowing down and resting is precisely what the doctor ordered. For as long as there have been healers and traditions for fighting fevers, rest and good eating have been high up on the prescription.  When life and expectations become too overwhelming, our minds are clouded, and our good health is diminished. These ailments are often the first messengers that we need to slow down and rest, but the reality is that with technology and the communication […]

It might be possible to capture the entirety of personal finance in one question: Am I going to be OK? In our thirties and forties, we become increasingly aware of the time left to invest for our future financial stability and independence. We’re more prone to asking about how our savings compare to others, and what assets we should already have to our name. Maybe it’s just a weird way to convince ourselves that maybe we […]

“Children have never been good at listening to their elders, but they never fail to imitate them.” – James Baldwin If there’s one thing we all have in common, it’s parents. For some of us, the role of parents may have been our biological mother and father; for others, this role may have included a wider variety of adults. However life looked for us, we had elders who shaped our understanding of the world around us, […]

One of the challenges of living in South Africa is that if we want access to high-quality medical cover, we generally need to pay for it ourselves. Medical care is expensive, and it’s highly complex. Even for simple hospitalisations or scans, there are several service providers in the healthcare chain, and they all need their compensation. We’re also finding, more than ever, that early detection and early treatment are highly beneficial to most diagnoses. Having quick […]

Many of us know that two things in life are certain – death and taxes. But we don’t always know that even in death, we have to pay taxes. This is why estate planning is so important. The last thing we want is more admin, but here are six boxes worth ticking in the near future to make sure that the taxes you need to pay in death don’t erode the wealth and lifestyle you hope […]

To protect your finances in a medical emergency, gap cover can be as important as medical cover. Gap cover could be considered a top-up medical insurance designed to pay the difference (the gap) between what a private doctor charges and what your medical scheme pays.   Good health care is not always easily obtainable and quickly becomes a costly experience. Many people who have health cover policies sometimes expect to have more cover than their policy includes. […]

Investing can often feel like gambling. In the same way a gambler may switch games because they feel like they’re at a losing table or slot machine, an investor may feel like switching funds could secure them higher returns. “Investing and gambling both involve risk and choice, specifically, the risk of capital with hopes of future profit. However, gambling is typically a short-lived activity, while investing can last a lifetime. Also, there is a negative expected […]

If you’re feeling financially stressed – you’re not alone! It’s okay, and it’s normal. We’re going to help you reduce your financial stress today! It’s been a hard few years for everyone – financially, emotionally, physically and mentally. The uphill climb back to a bustling economy is far from over yet, both locally and globally. Building resilience, being kinder to ourselves and practising healthy habits are essential. We can reduce financial stress with the following tips. […]

Many have viewed financial planning as the management of financial resources to reach personal goals. Typical conversations would include questions like: “How much will my assets grow, how can I protect my portfolio and what will my retirement look like?” Whilst these have been helpful questions in the past, we are learning that they are only part of a fuller conversation. Different questions are starting to emerge in our conversations that are focusing more on meaning […]

A little really can go a long way when we use the investment approach of micro saving. There is a misnomer that investors need lots of money to start investing. The challenge with this thinking is that it’s incredibly alienating for people who don’t have money left over at the end of the month and are trying to make ends meet.  What is micro saving? Just like the name says, micro saving is the practice of […]