At SAIFAA we’ve always guided our independent financial adviser members to view financial planning in two distinct phases. Clients are either in the accumulation phase of managing their wealth, or the decumulation phase. Covid-19 has not changed the way that we as SAIFAA guide our members; if anything, it has shone a spotlight onto the […]
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Planning a new journey for your(self) clients
“If your compassion does not include yourself, it is incomplete.” – Buddha We are living in strange, difficult and confusing times. No, it’s not because of the COVID-19 pandemic. It’s because we’re living in times where we’ve forgotten about what really matters most. We’ve forgotten who we need to be put first, because we’ve become […]
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Prescribed Assets = State Theft
“The problem with socialism is that you eventually run out of other peoples’ money.” Margaret Thatcher Everything is connected. For us to hope that personal finances are separate to public coffers, and that decisions made at a national caucus don’t impact conversations over a Nespresso cappuccino is to have our blinkers on and do our […]
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Welcome clarity coming on financial advisers
WOUTER FOURIE When you plan for retirement, or make any type of financial plan, is the person you consult a financial adviser, a financial planner or a broker? The discussion about titles has been in the spotlight recently as part of a debate on the changes to the Financial Advisory and Intermediary Services (FAIS) Act […]
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Questions to ask if you want unconflicted investment advice
LAURA DU PREEZ Your adviser may supply products from just one institution and there may be perverse incentives behind the choices they make. When you sit down with a financial adviser, you should have a clear idea who you are dealing with and what their relationship is with any supplier of financial products, be they […]
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