South Africa’s Financial Wellness – How Are We Doing?

When someone talks about saving, it is usually in the context of saving for retirement. While this is a major undertaking and deserving of a lot of attention, there needs to be more focus on the overall level of savings within our South African households.  Shocking statistics from 2019 revealed that over 80% of South […]

Why You Should Treat Your Finances Like Your Health

“A good doctor treats the disease, but the great doctor treats the patient who has the disease.” (Unknown) Most of us understand why it’s important to have regular medical check-ups. We also recognise that, as we get older, what we need from them changes too. While it’s important for babies to have special health and […]

The US and You: Why What Happens in America Impacts Your Portfolio

“The markets are like weather; you may not like it, but you have to bear it.” (Rakesh Jhunjhunwala) South African investors don’t need to follow every twist in American politics or economics, but you can’t ignore them either. The world’s biggest economy casts a long shadow, and what happens in the US can ripple across […]

How Fit Are You Financially?

“He who has health has hope; and he who has hope, has everything.” (Thomas Carlyle) Doing a financial health check can sound like a daunting idea. But it needn’t be. Just checking a few simple things can give you a good idea of whether you’re financially healthy and on the right track. Here are four […]

Budget 2025: How It Affects You and Your Business

“… the economy needs to grow much faster and in an inclusive manner. This is the central objective of the current administration.” (Finance Minister Enoch Godongwana – Budget 2025)  The tabling of Finance Minister Enoch Godongwana’s fourth Budget in February was marked by an unprecedented three-week postponement, following a deadlock around the original Budget proposal […]

When it Comes to Investing, Debit Orders are Your Friend

“The beauty of debit orders is that they make investing a habit, not an afterthought.” (Warren Buffett) We’re all human – which often means being emotional and not consistently disciplined. Debit orders remove the emotion from investing and encourage responsible behaviour. With debit orders in place, you don’t have to choose between contributing towards your […]

Three Ways to Protect Your Finances Against Life’s Curveballs

Life happens. You can never know when something will disrupt your job or your health. But you can, at least, prepare to have the best chance of surviving a major event. Here are three ways to protect your finances against some of the worst that life can throw at you. 1. Have an emergency savings […]

The Big Question: Should You Buy a Home or Rent One?

“Home is not a place; it’s a feeling.” (Cecelia Ahern) Deciding whether to buy or rent your home may be one of the most important financial decisions you’ll ever make. Ultimately, the choice comes down to a combination of financial variables and personal factors, which, as we know, fluctuate unpredictably. Rands and cents Let’s start […]

Aligning Your “Wheel of Life” – A Beginner’s Guide

As your wheel of life turns, your financial needs, goals and focuses change. When you start working, you’re absorbed by accumulating assets. Later, as you near retirement, your focus shifts to wealth preservation. And eventually, when you’re settled and comfortable in your golden years, the transfer of wealth becomes your number one priority. It goes […]

Why You Should Keep Your Investment Strategy to Yourself

“There is no pebble so small that it won’t make ripples when tossed into a body of water.” (Charles Peck) In a recent blog post, financial writer Morgan Housel made an interesting observation. He wondered what would happen if people invited public scrutiny of the way they went about trying to find love: “Imagine if, […]

Ultima FP Logo

Kindly select age category to enhance your experience

I am younger
than 35

I am younger
than 35

I am between
35 & 55

I am between
35 & 55

I am over 55

I am over 55

Skip >

Skip >

Complete our form under Contact Ultima and we will be in touch soon.

God Bless and Happy Planning