SWD BlueStar - Authorised by Sanlam
As a committed team of specialist financial planners we can advise you on a full range of financial s
๐๐ Do you believe that wills are only necessary for the wealthy? Think again. Recent data from the Master of the High Court reveals that a staggering 70% of working South Africans lack wills.
Here's why you need a will - https://www.sanlamadvice.co.za/bluestar/SWD/blogs/think-a-will-is-only-for-the-rich-think-again
After reading the blog above, speak to Jan
๐ณ 0825712338
๐ง [email protected]
๐คณ https://www.sanlamadvice.co.za/bluestar/swd/adviser/jan-lubbe/13913778222813
Read more in this article on our blog or reach out to Willem on the details below.
https://www.sanlamadvice.co.za/bluestar/SWD/blogs/are-you-two-pot-ready
The much-talked about Two-pot Retirement system came in to effect on 1 September 2024 and there are many questions circling about what this really means to those saving for retirement, those nearing retirement and those who will start working or change jobs soon.
Willem Tredoux
๐ณ 0832557333
๐ง [email protected]
๐คณ https://www.sanlamadvice.co.za/bluestar/swd/adviser/willem-tredoux/85798119263695
- ๐ผ๐ฐ A study conducted by the Association for Savings and Investments in South Africa (ASISA) revealed that only 6% of economically active South Africans will retire comfortably. This in turn means that a whopping 94% of economically active South Africans are at a risk of not maintaining their pre-retirement standard of living post-retirement. This echoes the importance of proper retirement planning.
๐***Help us to Like & Share this post so your Facebook friends & family are made aware of the importance of Retirement Planning***๐
๐ก
WHAT is Retirement Planning?
๐ก
Planning for retirement is saving enough money today to enable you to live comfortably post-retirement. Adequate retirement planning will ensure that you are able to provide for your day-to-day needs post-retirement, for example, maintaining your current lifestyle, medical expenses, hobbies, travel, and any other day-to-day expenses that may arise when you retire.
๐ก
WHEN can you retire?
๐ก
While there is no employment retirement age which is prescribed by law, many employers have set retirement ages for their employees. An employeeโs retirement age may be agreed upon in the employment contract or contained in a policy document or retirement fund rules. The retirement age may vary between the ages of 55 to 65.
๐ฒ๐ Keep following our page for more BlueStar
We cover the following topics in a following post:
1.WHY should you plan for retirement?
2.What are the different retirement funds you may invest in?
Example: Pension Fund & Provident Funds | Government Employees Pension Fund (GEPF) | Retirement Annuities | Preservation Funds
3.What happens to your savings if you pass away before your retirement?
4.The new two-pot system โ how does it work and affect me?
Sources:
www.sars.gov.za
www.gepf.co.za
Pension Funds Act 24 of 1956
www.asisa.org.za
SAVE & SHARE my digital business card and contacts at the link below:
https://www.sanlamadvice.co.za/bluestar/swd/adviser/samantha-bartlett/87046858099436
Samantha Bartlett
๐ฑ 0722470873
๐ง [email protected]
Always be alert! Please see correct contact details for Sanlam.
๐จFraud alert๐จ
Not sure itโs us youโre talking to? Always double-check to avoid scammers posing as us. Hereโs a few ways you can report sus activity๐๐ฝ
The much-talked about Two-pot system takes effect on 1 September 2024 and there are many questions circling about what this really means to you. Read on to discover all the information to empower you to live with financial confidence.
Are You Two Pot Ready | Swd BlueStar | Sanlam Financial Planners Mossel Bay
๐ก Smart Money Moves After a Lump Sum Payout... ๐
Are you expecting and planning for a big payout?
Whether itโs from a pension, retrenchment, severance, inheritance or even the lottery, hereโs how to turn it into a wealth-building opportunity instead of a spending spree!
๐ #1: Get professional tax advice โ Tax is the first thing to eat your wealth before everything else. A tax consultant will help you lessen that burden.
๐ #2: Diversify, diversify, diversify โ Donโt risk it all in one place.
โ ๏ธ #3: Avoid the lottery effect โ Donโt get scammed by too-good-to-be-true deals that make you believe you can triple your lump sum.
๐ธ #4: Pay off debt โ Freedom starts with financial responsibility.
๐ #5: Live within your means โ Itโs not about looking rich, but being financially secure.
๐ข #6: Always consider the total cost โ Small monthly expenses add up e.g. If you are planning on buying a car or renovating your home calculate how much is expected from you in total. Get comparable quotes and use referrals from trusted sources.
When you step away from thinking itโs a few rands a month to the total value, you are able to assess if it is worth to buy it right now or later.
True happiness, amongst other things comes from knowing that you have created a stable financial foundation for your family. If you do win the lottery donโt quit your job to just take longer holidays.
The goal isnโt just to look wealthy, but to actually build wealth that lasts. ๐
Follow, Like & Share for more
Whether single motherhood is by intent or not, the costs involved tend to be extremely high.
SHARE this with a family member, colleague or friend on WhatsApp who needs to see this -
https://wa.me/?text=https://www.sanlamadvice.co.za/bluestar/SWD/blogs/costs-of-single-motherhood
Raising a child on one income is tough, and in South Africa this scenario applies mostly to women.
This blog article on our new website shares some financial and general planning pointers for single mothers.
Costs of Single Motherhood | Swd BlueStar | Sanlam Financial Planners Mossel Bay According to research conducted by the Human Science Research Council (HSRC) and the South African Race Relations Institute (SARRI) in the past five years, more than 40% of South African mothers are single parents.
This talk to Willem Tredoux at SWD BlueStar about how we can help you achieve financial confidence, get in touch by clicking the Digital Business Card link below ๐
https://www.sanlamadvice.co.za/bluestar/swd/adviser/willem-tredoux/85798119263695
This we set out to help you achieve financial confidence. Get in touch any time by clicking the link to my Digital Business Card below ๐
https://www.sanlamadvice.co.za/bluestar/swd/adviser/danie-gildenhuys/7872502920741
LIKE, SHARE & FOLLOW FOR MORE
https://wa.me/?text=https://www.sanlamadvice.co.za/bluestar/swd/adviser/danie-gildenhuys/7872502920741
What power do women have over finances?
Within our society,๐จโ๐ฉโ๐งโ๐ฆ women have often been on the back foot when it comes to retirement.
To help them bridge the gap, we offer the following advice to women when it comes to engaging with a financial adviser in terms of their financial and retirement planning:
1๏ธโฃ Be empowered to take control of your own finances by utilizing educational opportunities to upskill your financial literacy.
Additionally, as a woman you should consider the benefits of having your own bank accounts.๐ณ
2๏ธโฃ Build your own contingency fund to cover for emergencies and unforeseen expenses. ๐ The size of the fund should be between three and six times your monthly salary๐ฐ. The fund should ideally be invested in a money market account, tax-free savings or unit trust where it can earn returns.
3๏ธโฃ Be aware of the four Ds: ๐Death, ๐Disability, ๐Divorce, and ๐Dependency.
It's advisable to plan for every eventuality โ for example, if the female head of the household passed away or became disabled, this would affect the whole family emotionally and financially.
In terms of the other D โ divorce โ a financial planner can assist women to determine post-divorce costs even before they start to negotiate the settlement. Additionally, it's important for women to build their own ๐investment portfolios alongside their spouses to create financial inter-dependence and tax efficiencies.
Speak to a financial planner at SWD BlueStar โ๏ธ 044 606 5721 or leave a message below to be contacted
https://www.sanlamadvice.co.za/bluestar/SWD/contact-us/
Many women are solely responsible for their children ๐ฉโ๐งโ๐ฆ
SHARE this privately with a colleague or friend on WhatsApp who needs to see this -
https://wa.me/?text=https://www.sanlamadvice.co.za/bluestar/SWD/blogs/single-mothers-even-more-at-risk-when-losing-their-income/
The importance of making careful provision should something unforeseen happen to a single mom cannot be overstated, as there is not a second stream of income generated by another person in their household.
When a single mother loses her ability to earn, the financial consequences can be devastating. ๐ณ
Here is how you can plan and protect your income as a single mother, or when you have dependents.
Read more - https://www.sanlamadvice.co.za/bluestar/SWD/blogs/single-mothers-even-more-at-risk-when-losing-their-income/
Single Mothers Even More at Risk When Losing Their Income | Swd BlueStar | Sanlam Financial Planners Mossel Bay Most parents will agree that raising a child is expensive. So, raising a child on one income is particularly tough but a reality for many South Africans. According to research conducted by the Human Sciences Research Council (HSRC) and the South African Race Relations Institute (SARRI), more than 40...
INFOGRAPHIC: Explore the transfers permitted under the new Two-Pot Retirement System.
This visual guide showcases the inter and intra-fund transfer options available within preservation and retirement funds.
Discover how these changes could impact your retirement planning.
To find out more speak to a financial planner at SWD BlueStar or leave a message to be contacted here: https://www.sanlamadvice.co.za/bluestar/SWD/contact-us/
Source: https://www.glacierinsights.co.za/retirement-fund-member-information
๐๐ฅณHappy birthday Samantha Bartlett from all of us at Swd BlueStar๐๐ฐ
This we set out to help you achieve financial confidence. Get in touch any time by clicking the link to my Digital Business Card below ๐
https://www.sanlamadvice.co.za/bluestar/swd/adviser/tiaan-tredoux/13459035857099
LIKE, SHARE & FOLLOW FOR MORE
https://wa.me/?text=https://www.sanlamadvice.co.za/bluestar/swd/adviser/tiaan-tredoux/13459035857099
WOMEN & FINANCIAL PLANNING ๐ฉ๐ฉโ๐๐ฉโ๐ฌ๐คฑ๐ฟ๐ฆ
Empowered mothers, sisters, wives, daughters of South Africa, have you taken control of your financial security?
Or do you fall into the category of many of your counterparts that delegate their financial security to a spouse or significant other, allowing divorce or death to plunge you into unwanted circumstances?
TAKE CONTROL -
The most important starting point is not relying on someone else to drive your financial future, be proactive and educate yourself about investing and managing your money from saving for retirement to saving for a specific need.
Be involved in the day-to-day management of the family's finances to prepare yourself to fulfill the full magnitude of the task should your spouse pass away.
When reviewing your ๐ assets and liabilities ๐ and drafting your will, have your financial planner conduct an estate liquidity analysis to ensure the estate has sufficient liquid assets to cover the liabilities.
Having done this and covered any shortfalls in the analysis with appropriate life cover, you ensure that your hard-earned assets will not be sold off cheaply to cover liabilities. Thus providing your family with peace of mind. ๐๐
Follow for more info or leave a question or message below
https://www.sanlamadvice.co.za/bluestar/SWD/contact-us/
๐บ ๐ฉโ๐ณ ๐ฉโ๐พ ๐ฉโโ๏ธ ๐ฆธโโ๏ธ Om 'n suksessvolle vrou, ma en sakevrou te wees, is net so belangrik soos om na finansiรซle vryheid te streef. Praat met Danie Gildenhuys, 0827790773
๐044 606 5721
๐ง[email protected]
๐ 14 Mascador Street, Voorbaai, Mossel Bay, South Africa, 6506
https://www.sanlamadvice.co.za/bluestar/swd/adviser/danie-gildenhuys/7872502920741
Lees die volledige artikel op ons blog ๐๐
https://www.sanlamadvice.co.za/bluestar/SWD/blogs/how-to-achieve-a-savings-mindset
Jan Lubbe
๐ณ 0825712338
๐ง [email protected]
๐คณ https://www.sanlamadvice.co.za/bluestar/swd/adviser/jan-lubbe/13913778222813
๐ฉWhatsApp - https://wa.me/?text=https://www.sanlamadvice.co.za/bluestar/SWD/blogs/how-to-achieve-a-savings-mindset
The idea behind the two-pot retirement system is to help South Africans preserve their retirement savings when changing or leaving a job. Here's what you should know when the two-pot retirement system comes into effect on 1 September 2024.
Learn more here - https://www.sanlamadvice.co.za/bluestar/SWD/blogs/what-you-should-know-about-the-two-pot-retirement-system
Get in touch with a local financial adviser below -
https://www.sanlamadvice.co.za/bluestar/swd/adviser/willem-tredoux/85798119263695
Trying to SAVE a buck? Try these handy grocery store and restaurant money saving hacks โจ
๐
Drop your SAVINGS HACKS in the comments down below๐
๐
๐
๐
๐
๐
Many of us have been there: too many competing expenses and not a penny left to save - and when we get a salary increase or better paying job, this doesnโt seem to change. Why do some people find it so hard to save? Find out here: https://www.sanlamadvice.co.za/bluestar/SWD/blogs/understand-your-money-personality-unlock-savings-potential
Need to chat? Reach out to a local financial adviser below:
https://www.sanlamadvice.co.za/bluestar/swd/adviser/hannes-combrink/86696855051380
It's never too late to start saving and building a secure future. Let's help you put together a catch-up-plan https://www.sanlamadvice.co.za/bluestar/SWD/contact-us/
๐ Start building your financial future today. Contact us for personalised financial advice - https://www.sanlamadvice.co.za/bluestar/SWD/contact-us/
It's often difficult to remain psychologically and mentally invested when it comes to saving for future goals. How does one stay motivated and remain on track? Learn more here: https://www.sanlamadvice.co.za/bluestar/SWD/blogs/how-to-achieve-a-savings-mindset
Need to chat? Reach out to a local financial adviser below:
https://www.sanlamadvice.co.za/bluestar/swd/adviser/willem-tredoux/85798119263695
๐ฐ๐Happy birthday Tiaan Tredoux, Wishing you a day filled with joy, laughter, and wonderful surprises from all of us at Swd BlueStar.๐ฅณ๐
You're human, the more you know, the more empowered you feel.
By sharing personal experiences, good tips and even bad advice, youโll be able to make the right financial decisions and avoid costly mistakes.
Reach out to your financial adviser at the link below to get a better idea of your financial situation and what you should be focusing on, on your path to financial confidence.
https://www.sanlamadvice.co.za/bluestar/SWD/contact-us/
๐ช Prioritize your family's well-being by understanding the importance of being covered and the value it brings: protection, stability, and a secure financial future.
Find out how to choose the right cover, bridge gaps in healthcare and disability insurance, and get expert advice from a financial adviser at SWD BlueStar ๐๐
๐044 606 5721
๐ง[email protected]
๐ 14 Mascador Street, Voorbaai, Mossel Bay, South Africa, 6506
Insurance Solutions | Swd BlueStar | Sanlam Financial Planners Mossel Bay Securing your familyโs financial future is one of the most significant ways you can take care of them. Sanlam Life Cover eases the burden on your family should you die unexpectedly by paying out a once-off tax-free amount that can be used to cover their expenses now and in years to come โ expens...
Did you know... Sanlam paid R6.06 billion rand in claims in 2023
We donโt just make promises, we deliver.
Live confidently with a lifetime partner you can trust to have your best interests at heart.
Life is unpredictable. Your Financial partner shouldn't be. Live with confidence, knowing you have a partner that has your back.
Learn more about Sanlam's insurance solutions here: https://www.sanlamadvice.co.za/bluestar/SWD/insurance/insurance-solutions
Click here to claim your Sponsored Listing.
Videos (show all)
Category
Contact the business
Website
Address
Bella Casa Building, 14 Mascodor Street, Voorbaai
Mossel Bay
6506
Opening Hours
Monday | 08:00 - 16:00 |
Tuesday | 08:00 - 16:00 |
Wednesday | 08:00 - 16:00 |
Thursday | 08:00 - 16:00 |
Friday | 08:00 - 13:00 |
Mossel Bay, 6500
Futurus Financial Wealth Group is a Momentum Franchise, situated in the beautiful Garden Route.
Sioux Building, 16 Sioux Street
Mossel Bay, 6506
PSG Wealth Outeniqua and Mossel Bay Diaz is part of the PSG Financial Services Group. We are a financial services company that strives to provide our customers with quality advice ...
Plaza Aquada Floor 5, 55 Marsh Street
Mossel Bay, 6506
Our philosophy is that of partnerships with our clients to build their financial puzzles and preserve their family legacy through robust processes and efficient and tailor made ser...