July 2018 - Ultima Financial Planners

The real monetary value of quality financial advice

July 30, 2018

Quality Financial Advice will enable you to have a meaningful life with lifelong peace of mind. These are all very important but how will this impact your savings? Can this even be quantified? The answer is YES. Recent studies have…

Inflation: The silent destroyer of value

July 30, 2018

Hester van der Merwe

inflation

What do the following sentences have in common? “In my day R100 was still R100!” “I thought I had saved enough for my children’s education, but now we have to apply for a student loan.” “Your biggest risk is not…

After three years of poor returns, what do investors have to be excited about?

July 30, 2018

Patrick Cairns

Market, market performance, market returns

Possibly more than you think. Patrick Cairns / 30 July 2018 00:36 Article from Moneyweb The first seven months of 2018 have been miserable for South African investors. The local stock market has given back some of the gains it made in the…

Criminal self-sabotage: Cashing out your pension fund prematurely

July 26, 2018

Jeanette Marais

cashing in retirement benefits, pension fund, provident fund, retirement planning, tax on cash withdrawal

Jeanette Marais, CEO of Momentum Investments (Article from FA News) Cashing out your pension fund every time you change jobs may seem like a quick cash-flow fix in the moment, but in actual fact, it’s self-sabotage. Every time you borrow…

Safeguarding the elderly from financial abuse

July 20, 2018

Ingé Lamprecht

financial abuse, fraudulent investment scheme, Investment scheme, Ombud, pensioners

Moneyweb – Investor Pensioners with insufficient savings are particularly vulnerable to dubious investment schemes. Ingé Lamprecht Dissect some of South Africa’s most controversial investment schemes and you will come across groups of pensioners who invested after they were lured with…

Your risk profile will determine your investment returns

July 19, 2018

Gerrit Viljoen

returns, risk, Risk capacity, risk profiling, risk required, Risk tolerance

When undertaking any investment there is always risk involved. Most people only think of risk as losing your money. Although this is certainly a big risk and causes most of the anxiety investors experience there are other risks that can…

5 things your financial advisor should disclose about offshore investing

July 16, 2018

Henk Appelo

diversifiction, international tax, offshore investing, offshore risk

Investors should take a long-term approach instead of chasing fast profits. Moneyweb ~ Henk Appelo / 14 July 2018 00:27 Offshore investing is an attractive option for investors looking to expose their investment capital to international opportunities. However, taking your money offshore without…

Don’t let a careless estate plan undo a lifetime of saving

July 12, 2018

Personal Finance

Abatement, Estate Planning, executor, insolvent estate, last will and testament, Section 4A, Section 4Q

Personal Finance / 10 JULY 2018, 7:47PM / STAFF REPORTER Savings Month is here and as we see every July, many South Africans are taking the opportunity to review their savings habits and behaviours. One aspect that’s often overlooked is that your hard-earned…

Section 37C – How certain are you that your nominated beneficiary will inherit your retirement funds?

July 9, 2018

Eugene Antak

beneficiary nomination, pension fund, pension preservation fund, provident fund, provident preservation fund, retirement annuity fund, retirement funds, Section 37C

The Section 37C of the Pension Funds Act governs the distribution and payment of lump sum benefits payable on the death of a member prior to retirement from either a pension or provident fund or pension and provident preservation fund…

Questions to ask your employer about your benefits

July 6, 2018

Laura Du Preez

Employee benefits, group risk cover, pension

Personal Finance / 18 March 2017 / Laura Du Preez What is the nature of the fund: is it a pension fund, provident fund or retirement annuity (RA) fund? Gareth Collier, a director of Cape Town-based financial planning practice Crue Invest,…

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Month: July 2018

The real monetary value of quality financial advice

Inflation: The silent destroyer of value

After three years of poor returns, what do investors have to be excited about?

Criminal self-sabotage: Cashing out your pension fund prematurely

Safeguarding the elderly from financial abuse

Your risk profile will determine your investment returns

5 things your financial advisor should disclose about offshore investing

Don’t let a careless estate plan undo a lifetime of saving

Section 37C – How certain are you that your nominated beneficiary will inherit your retirement funds?

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Telephone:	+27 12 348 1386
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