People’s expenses change in retirement. Shouldn’t their income too?

Conventional wisdom says that living expenses rise uniformly with inflation, so many financial plans are based simply on that. But analysing the spending patterns of retirees shows us that the data tells a different story.

Financial health – How to get it back on track

Gross Domestic Product (GDP) results are the worst we have seen in over a century, and a decline of 51% for the second quarter of 2020 underlines just how tough times are. The […]

Delivery of financial advice – What will drive change?

“The way in which financial advice is delivered has to change. The industry is facing challenges from regulation and technology that will make old models of advice obsolete in the very near future”, […]

South Africans turn to Google for financial advice – What are the questions they ask?

Google recently revealed the list of the most-Googled questions they get on saving money. Moneyweb reported that South Africans are also turning to Google for financial advice with ‘what is bitcoin?’, ‘where to […]

South Africans turn to Google for financial advice – What are the questions they ask?

Rising divorce rates – Financial advice for couples

Although getting divorced is a relatively straightforward process, at least from a legal perspective, the emotional and financial implications are often enormous. This is the view of Allan Gray’s Legal Advisor, Mlulamiu Nxele. […]

Exemptions from making deadlines – The why, what and how

The FAIS Act and other legislation prescribe a number of requirements that individuals who provide financial advice must adhere to. Throughout your career you are reminded of these deadlines. The successful completion of […]

Exemptions from making deadlines – The why, what and how

Do you offer financial advice or coaching?

Every financial adviser should be familiar with the statistics: Only 5% or so of South Africans will retire comfortably. In total, South African consumers owe R1.6 trillion in debt. There are 20 million active credit […]

The Value of Financial Advice

This is the title of an article, published on 13 July 2017, on research conducted in the UK by the International Longevity Centre. The research finds that clients who received financial advice from 2001 to […]