Crue Invest

Crue Invest Crue Invest (Pty) Ltd is the 2023 FPI Approved Professional Practice™ of the Year

At Crue Consulting, we are passionate about helping people manage their finances and lifestyles optimally. Whether you have just started working, are in the process of accumulating wealth, near retirement or even in retirement, we'd love to help you plan.

When planning for retirement, many investors focus on the return they hope to earn — but in retirement, the timing of th...
28/05/2026

When planning for retirement, many investors focus on the return they hope to earn — but in retirement, the timing of those returns can be just as important.

This is where sequencing risk becomes a real concern.

Sequencing risk refers to the damage caused when poor market returns occur early in retirement while you are already drawing an income from your portfolio. Even if markets recover later, the impact of having sold investments at depressed prices can be difficult to reverse.

In our latest article, we unpack how sequencing risk works in real life, why the early years of retirement are so important, and what retirees can do to build more resilience into their plans.

Read the full article here:

https://crue.co.za/sequencing-risk-the-often-overlooked-retirement-threat/

Political noise may create short-term volatility, but it rarely changes the long-term fundamentals that drive markets ov...
28/05/2026

Political noise may create short-term volatility, but it rarely changes the long-term fundamentals that drive markets over time: earnings growth, productivity, innovation, and the resilience of businesses. For investors, the greater risk is often not the headline itself, but the emotional response it triggers.

A well-constructed investment plan should already be designed to withstand uncertainty. The challenge is having the discipline to stay aligned with that plan when the news cycle becomes loud, says Hannah Myburgh, CFP® talking to Moneyweb:

https://www.moneyweb.co.za/financial-advisor-views/noise-is-not-a-strategy-why-disciplined-investors-ignore-political-theatre/

Choosing an executor is one of the most important decisions you can make when drafting your will. While trust matters, t...
27/05/2026

Choosing an executor is one of the most important decisions you can make when drafting your will. While trust matters, the role requires technical skill, objectivity, time, resilience, and the ability to manage family dynamics at a deeply emotional time. In our latest article, we unpack the key considerations when nominating an executor — and why capability should matter just as much as confidence.

https://crue.co.za/choosing-your-executor-the-decision-that-determines-how-smoothly-your-estate-is-wound-up/

Financial responsibility does not exist in isolation. When one person consistently avoids saving, overspends, or defers ...
27/05/2026

Financial responsibility does not exist in isolation. When one person consistently avoids saving, overspends, or defers planning for the future, the consequences are often carried by those who planned carefully, lived within their means, and made disciplined choices.

In Craig Torr's latest article, he explores the emotional and financial burden that arises when generosity becomes expectation, and why setting clear boundaries is essential to protecting both your financial security and your relationships.

Read the full article here: https://www.moneyweb.co.za/financial-advisor-views/the-unfair-burden-of-someone-elses-financial-choices/

Over time, many investors accumulate financial products one decision at a time: a retirement annuity, preservation fund,...
26/05/2026

Over time, many investors accumulate financial products one decision at a time: a retirement annuity, preservation fund, education policy, discretionary investment, inherited share portfolio, rental property, or life insurance policy. Each may have made sense when it was put in place, but without regular review, the result can become fragmented, costly, and difficult to manage.

A well-constructed financial portfolio is not defined by the number of products it contains, but by the clarity of purpose behind each component. Your investments, risk cover, retirement funding, liquidity, tax planning, and estate planning should work together as part of a cohesive strategy, says Erin White, CFP® talking to Moneyweb:

https://www.moneyweb.co.za/financial-advisor-views/from-patchwork-to-precision-when-your-financial-portfolio-loses-its-way/

Choosing to have one parent step out of paid work to raise children and run the home is not a lesser financial decision ...
25/05/2026

Choosing to have one parent step out of paid work to raise children and run the home is not a lesser financial decision — but it is one that needs careful planning.

In many single-income households, income, retirement savings, investments, credit records and long-term financial options quietly become concentrated in one person’s name. Over time, the stay-at-home parent can become financially invisible, even while carrying an enormous share of the family’s day-to-day responsibilities.

We believe that financial independence within a marriage should be intentional, practical and fair. This means building assets in both names, ensuring both partners understand the family’s financial plan, protecting both roles through appropriate insurance, and making sure the non-earning spouse retains agency, access and future options.

Read the full article here: https://crue.co.za/one-income-two-futures-planning-fairly-for-both-spouses/

Whether you are resigning, being retrenched or moving to a new opportunity, the choices you make with your retirement fu...
25/05/2026

Whether you are resigning, being retrenched or moving to a new opportunity, the choices you make with your retirement funds can have long-term consequences for your financial future.

A preservation fund can be a powerful planning tool, allowing your retirement capital to remain invested, tax-efficient and protected from unnecessary erosion. But it is not always a default answer, and understanding the rules around withdrawals, transfers, the two-pot retirement system and estate planning is essential.

In Sherry Tapfuma, CFP®'s latest article, she unpacks how preservation funds work, when they may be appropriate, and why this decision should form part of your broader financial plan.

Read the full article here: https://www.moneyweb.co.za/financial-advisor-views/preservation-funds-unpacked-a-critical-decision-point-when-changing-jobs/

Financial mistakes are part of life — but some are far more costly than others. Living beyond your means, postponing ret...
21/05/2026

Financial mistakes are part of life — but some are far more costly than others. Living beyond your means, postponing retirement savings, neglecting income protection, failing to diversify, or not having a valid Will are all examples of mistakes that can quietly undermine years of hard work.

The good news is that most financial mistakes are preventable. With a clear financial plan, disciplined decision-making, and regular reviews, it is possible to avoid the common pitfalls that prevent so many people from achieving lasting financial independence.

In our latest article, we unpack 20 costly financial mistakes — and how to avoid them.

Read the full article here: https://crue.co.za/the-costly-truth-financial-mistakes-that-can-derail-your-wealth/

As investors accumulate retirement annuities over time, an important question often emerges: should you consolidate your...
20/05/2026

As investors accumulate retirement annuities over time, an important question often emerges: should you consolidate your RAs into a single structure, or can there be strategic value in maintaining more than one?

While simplicity can often improve investment outcomes, there are circumstances where maintaining multiple RAs can introduce meaningful planning flexibility. The real question is not how many retirement annuities you have — but whether each one serves a deliberate purpose within your broader financial plan.

Read Eric Jordaan, CFP®'s latest article for Moneyweb:

https://www.moneyweb.co.za/financial-advisor-views/one-retirement-annuity-or-several-a-strategic-decision-with-long-term-consequences/

One of the greatest advantages in investing is not necessarily higher returns — it is time. In Devon's latest article, w...
19/05/2026

One of the greatest advantages in investing is not necessarily higher returns — it is time. In Devon's latest article, we explore why early investing can have such a profound impact on long-term wealth creation, and why delaying the process is often far more costly than investors realise.

The reality is that compounding disproportionately rewards those who give it time — and time is one of the few financial advantages that cannot be recovered later. Read the full article here:

https://www.moneyweb.co.za/financial-advisor-views/the-cost-of-waiting-why-early-investing-shapes-everything/

For many people, the real goal is not retirement itself — but freedom of choice.In our latest article, we explore why th...
18/05/2026

For many people, the real goal is not retirement itself — but freedom of choice.

In our latest article, we explore why the traditional idea of retirement is evolving, and why the concept of financial freedom may be a more meaningful target than simply reaching a specific ‘retirement number’.

We unpack:
• Why financial freedom is about capability, not age
• How lifestyle inflation quietly delays freedom
• The different phases of financial independence
• Why debt structure matters more than income alone
• How long-term flexibility changes the way we plan
• Why defining ‘enough’ is one of the most important financial decisions you can make

The most liberating financial shift is often not retiring earlier — but creating a life where work becomes optional rather than compulsory.

Read the full article here.

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