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.

A successful investment strategy does not begin with a fund, product or platform. It begins with a clear understanding o...
27/08/2026

A successful investment strategy does not begin with a fund, product or platform. It begins with a clear understanding of what the money needs to achieve.

Before investing, ask the questions that will shape the strategy. Why are you investing? What specific job must the money perform? When will you need it? Could you require access sooner than expected? How much investment risk can your financial position absorb, and how much volatility can you tolerate without abandoning the plan?

Before deciding where to invest, determine what your money needs to do. The quality of your questions will often determine the quality of your investment outcome.

https://crue.co.za/before-you-invest-ask-yourself-the-questions-that-matter/

Retirement planning is rarely derailed by one dramatic mistake. More often, pressure builds through decisions made befor...
26/08/2026

Retirement planning is rarely derailed by one dramatic mistake. More often, pressure builds through decisions made before, at and after retirement.

Before retirement, contribute tax-efficiently, preserve savings when changing jobs and access the savings component only when necessary, as every withdrawal incurs tax and sacrifices future growth.

At retirement, choices about cash, annuitisation and the type of annuity must support your financial plan, especially where decisions are irreversible.

After retirement, drawdown rates, tax, liquidity and withdrawal sequencing determine how long capital lasts. The guiding principle is simple: preserve capital, access it carefully and structure it for sustainable income.

Read Erin White, CFP®'s latest article for Moneyweb:

https://www.moneyweb.co.za/financial-advisor-views/retirement-planning-the-decisions-that-matter-before-at-and-after-retirement/

How much severe illness cover is enough?There is no standard answer. The right level of cover depends on your medical ai...
25/08/2026

How much severe illness cover is enough?

There is no standard answer. The right level of cover depends on your medical aid, gap cover, income protection, disability benefits, emergency savings, debt, support system and ability to absorb unexpected costs.

A severe illness diagnosis can create expenses that extend far beyond treatment, including rehabilitation, transport, home-based care, reduced income and practical support for your family. However, buying more cover is not always the best solution.

Good risk planning begins with the full financial picture.

https://crue.co.za/how-much-severe-illness-cover-is-enough/

Wealth creation depends on continuity: the ability to keep earning, saving, reducing debt and allowing invested capital ...
24/08/2026

Wealth creation depends on continuity: the ability to keep earning, saving, reducing debt and allowing invested capital sufficient time to grow. When illness, disability or premature death interrupts that process, even a carefully constructed financial plan can come under considerable pressure.

Appropriate risk cover protects the income on which the plan depends while there is still insufficient capital to absorb a major financial shock. However, income protection, lump sum disability cover, severe illness cover and life cover each address a different risk, and the right structure will depend on your income, debt, dependants, existing assets and stage of life, says Eric Jordaan, CFP® talking to Moneyweb:

https://www.moneyweb.co.za/financial-advisor-views/risk-cover-the-financial-safety-net-behind-every-successful-wealth-plan/

Wealth creation is seldom built on one grand financial decision. More often, it is the result of small, consistent, well...
21/08/2026

Wealth creation is seldom built on one grand financial decision. More often, it is the result of small, consistent, well-considered choices repeated over many years.

In our latest article, we unpack 12 practical principles for creating and preserving wealth, from protecting your financial independence and automating good financial behaviour, to avoiding lifestyle creep, understanding the purpose of every asset you own, and spending deliberately.

The truth is that sustainable wealth is not necessarily created by the highest earners, but by those who understand the relationship between behaviour, time, compounding, risk and choice.

https://crue.co.za/the-steady-work-of-creating-wealth/

We tend to associate wealth with what we can see: the house, car, travel and outward signs of success. Yet these purchas...
20/08/2026

We tend to associate wealth with what we can see: the house, car, travel and outward signs of success. Yet these purchases show only that money has been spent.

However, genuine wealth is more often found in what remains: invested capital, manageable debt, cash reserves and income that has not already been committed.

Read Devon Card, CFP®'s latest article for Moneyweb:

https://www.moneyweb.co.za/financial-advisor-views/wealth-is-what-you-dont-spend/

A holiday home can become one of a family’s most treasured assets, but only when the timing, structure and numbers allow...
19/08/2026

A holiday home can become one of a family’s most treasured assets, but only when the timing, structure and numbers allow it to be enjoyed without placing pressure on the rest of the financial plan.

After first falling in love with Arniston almost 30 years ago, we spent roughly 25 years considering whether ownership made sense for our family. That long runway forced us to look beyond the romance of the decision and confront the realities: how often would we use it, what would it cost to maintain, how would it affect our liquidity, and would it compete with retirement funding or other important goals?

Here's our holiday home story: https://crue.co.za/what-to-consider-when-purchasing-a-holiday-home-our-25-year-lesson/

A valid will is not just about who inherits what.It allows you to appoint trusted decision-makers, make provision for mi...
18/08/2026

A valid will is not just about who inherits what.

It allows you to appoint trusted decision-makers, make provision for minor children, nominate guardians, manage liquidity, and ensure that your estate plan reflects your family circumstances and intentions.

Without a will, your estate is dealt with according to the Intestate Succession Act — a legal formula that may not produce the outcome you would have chosen for your family.

Estate planning is ultimately about clarity, control, and care for the people left behind.

https://crue.co.za/what-intestacy-can-mean-for-the-family-left-behind/

What does it actually mean for a retirement plan to be flexible?It does not mean continually changing investments or rea...
18/08/2026

What does it actually mean for a retirement plan to be flexible?

It does not mean continually changing investments or reacting to every market movement. True flexibility is deliberately built into the plan, creating room to respond as healthcare needs, family responsibilities, markets and personal priorities evolve.

A sound retirement plan should not depend on every assumption proving correct. It should provide enough structure, resilience and choice to support the retirement you are actually likely to live, says Craig Torr talking to Moneyweb:

https://www.moneyweb.co.za/financial-advisor-views/flexibility-in-retirement-planning-what-does-it-actually-mean/

Retirement planning is often reduced to a single question: Will I have enough money?But a retirement that could last thi...
17/08/2026

Retirement planning is often reduced to a single question: Will I have enough money?

But a retirement that could last thirty years or more is likely to include far more than predictable expenses and investment decisions. The death of a spouse, declining health, reduced mobility, caregiving responsibilities, housing transitions and the loss of routine or purpose can fundamentally reshape the retirement originally envisaged.

Read Sherry Tapfuma, CFP®'s latest article for Moneyweb: https://www.moneyweb.co.za/financial-advisor-views/why-retirement-planning-should-prepare-you-for-more-than-money/

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5 Long Place
Pinelands
7405

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Monday 08:00 - 17:00
Tuesday 08:00 - 17:00
Wednesday 08:00 - 17:00
Thursday 08:00 - 17:00
Friday 08:00 - 17:00

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