A secured future, let's talk about retirement

20/05/2025

If you have more than one Pension Annuity, you might run the risk of owing the Taxman.

When you retire and start receiving a monthly income from your pension fund, provident fund , or retirement annuity, that income is called a pension annuity.
Pension annuities are taxed just like a salary.
Every month, the company paying your pension deducts Pay AS You Earn PAYE.

" Be careful- If you have a second pension, rental income or investments , that can push you into a higher tax bracket ".
On SARS the amounts will raise your tax bracket.
This can result in a short fall , leading to you owing the taxman.

Iam not a financial advisor .

29/04/2025

Lifestyle inflation has made people not to save and invest'but can be managed if you take control of your spending. I realize this everytime i got an increase at work , my lifestyle needs increased to match that increase. This can be come a problem if not controlled.

25/04/2025

Our current situation is because of the decisions we made.Morning family.

24/04/2025

Hie
My tribe Iam back.

28/01/2025

For assistance with submitting Beneficial interest on CIPC
Kindly call us 0718830614

24/12/2024

Hope your enjoy your Christmas and don't forget to spend wisely .
January is around the corner.

18/12/2024

17/12/2024

How money market works

Investors pool their money and fund managers invest in safe, short - term instruments.

10/12/2024

Another key focus of money market fund

Safety is the low - risk nature of money market funds they invest in secure , short- term debts

Like Treasury bills 'certificate of deposits
Commercial paper

Why it matters

These investments minimize credit and interest rate risks, offering peace of mind to conservative investors.

09/12/2024

One of the key focus of money market funds

Liquidity

Liquidity refers to how quickly and easily you can access your money without losing value

Why it matters

Money market funds are highly liquid, allowing investors to withdraw funds almost immediately.

They are excellent choice for emergency savings or temporary cash parking.

06/12/2024

Crypto is printing money - a crazy bull run.

03/12/2024

Considerations for choosing a fund
1 Interest rates - Compare funds
Historical returns against benchmark rates

2 Fees - management fees as they impact net returns

3 liquidity- Ensure the fund offers the access you need for your investment.

4 Issuer Quality - Check the credit quality of underlying assets to assess risk.