Personal and Business Wealth Solutions

Financial Literacy is needed not only to create family legacy, but to preserve it. So many dedicate their lives creating wealth for their family but fail to educate them about money.

Financial education is a powerful family tool needed to preserve what you worked so hard to build. It will create positive wealth momentum for decades to come.

For more information on the programmes we provide feel free to contact us by sending a DM or sending a WhatsApp message by clicking on the WhatsApp button.

Introducing Vryheid PBWS sales team, ready and willing to explain and take you through in all of our services.

If you are in Vryheid feel free to contact us by sending a DM or WhatsApp message by clicking on the WhatsApp button or just give us a call on 060 600 8535 we will refer you to our qualified consultants.

The primary objective is to change lives and construct a community that is financially savvy.

Ithemba linamandla funerals is a funeral service company that is formed to provide a dignified and respectful send off to your loved ones.

We understand that funeral services have become expensive to most South Africans that is why our services and package premiums are very affordable from as little as R75 a month.

Feel free to contact us by sending a DM, sending a WhatsApp message by clicking on the WhatsApp button or just give us a call on 060 600 8535

We pride ourselves in bringing heartfelt hope when needed the most

Wealth is like a tree it grows from a tiny seed. Your first savings are the seed from which your tree of wealth shall grow. The sooner you plant that seed the sooner shall the tree grow. And the more you nourish and water that tree with consistent savings, the sooner you may bask in contentment beneath its shade.

Financial literacy is very essential because it empowers people to make informed financial decisions.

The primary objective is to change lives and construct a community that is financially savvy.

PBWS is a company that provides financial literacy and financial freedom through financial literacy training.At PBWS we offer a range of local and offshore investment products:

Invest – South African and offshore bespoke share portfolios.

Funds – Regulated Collective Investment funds, for the South African and Offshore investor.

Offshore – International Fund, Asset Management and other private client products.

Trust – Will drafting, Estate Planning, Executorship and other Trustee services.

Client Focus

Our passion is helping clients understand their financial goals and achieve them. Goals are discussed, documented and reviewed regularly. Where does client want their investment asset to be in 5,10,15,20 years? Are they currently invested in the right products or are they paying exorbitant annual fees and commissions on their current investments?

These are important questions which impact future wealth.

We do no obligation review of current financial goals, investments and policies culminating in Personal Financial Plan for a client.

For information on our services you can contact us by sending a WhatsApp message by clicking on the WhatsApp button, send a DM or give us a call on 0606008535

What is the best financial advice you can give for young adults?

1. Credit cards will make you broke. Two words: stay away!

2. Car payments aren’t a way of life. You can pay for a nice used car with cash and avoid the average R5000/month car payment.

3. Budgeting is your best friend. It’s simple: making a budget every month and sticking to it means you are going to win with money.

4. The Joneses are broke. Don’t try and keep up with the Joneses. They might look nice, but they’re in debt up to their eyeballs and one emergency away from financial disaster.

5. It’s okay to say no. If a friend asks you to go on a trip or out to dinner, and you don’t have the money, there’s nothing wrong with saying no. Your friends will understand. And if they don’t, you should find new friends!

6. Your parents will eventually get old. That means you’ll need to have “the conversation” with them about wills and estates before it’s too late.

7. You can be a student without a loan. Part-time jobs, scholarships, grants, more affordable schools—there are many ways to pay for college without debt.

8. Retirement matters as much now as it does 30 years from now. Start saving for retirement as early as you can and put compound interest to work for you.

9. Wealth isn’t evil. A lot of people these days like to criticize rich people, but wealth isn’t evil. The Bible never condemns money, only the “love of money.”

10. Giving is one of the best things you can do with money. The more you have, the more you can give away to bless others.

11. The tortoise beats the hare every time. When it comes to money, patience will always pay off. Save and pay cash for stuff instead of using debt to “buy” them instantly.

12. Your first job might not be your dream job. See #11. Learn, get experience, and build your career. The corner office might not come right away.

13. Your first house might not be your dream house. Remember, your parents took 20 years to get their house. Don’t expect that level of house right away.

14. You should only get one type of mortgage: a 15-year, fixed-rate. Your monthly payment should be no more than 25% of your take-home pay. Stay away from 30-year mortgages no matter what!

15. Marriage is much more difficult when you disagree with your spouse about money. Money fights are going to happen, but it’s extremely important that you agree on the basics of money—like budgeting, no debt, and saving.

16. Be happy with what you have. One word: contentment.

17. You won’t get out of debt until you get mad. To get out of debt, you’ve got to get sick and tired of being in debt. If you sorta, kinda want to get out of debt, you’ll never make it.

18. Personal finance is 80% behavior and only 20% head knowledge. It’s all about behavior change. We all know if we’re being irresponsible with money. But, many times, we go ahead and make bad choices anyway. That’s got to change!

19. Get-rich-quick schemes are good for one thing: making sure you get broke quick. There’s no magic pill to get rich. It takes time and hard work.

20. Your parents weren’t perfect, but they probably knew more than you gave them credit for. The older you get, the smarter your parents get.

21. Never trust a payday lender. Never. Payday lenders are the worst. The worst! They’ll charge you 300% interest with a smile.

22. Don’t travel the world unless you can pay for it. And by “pay for it,” I mean don’t use credit!

23. It’s okay to have stuff. Just don’t let your stuff have you. Don’t mess up your priorities and let materialism get the best of you.

24. Your parents’ house is not a bed and breakfast. Move out! By the time you’re 25, you should be long gone from your parents’ house and out on your own. Sure, you might have transitional periods where you stay for a few weeks, but don’t become a boomerang kid.

25. Eating out every night is a really quick way to go broke. You can R100 yourself to the poorhouse if you aren’t careful. The occasional night out is fine, but don’t make it a habit, especially if you’re already in debt.

26. Think of your retirement this way. Planning for the future is like planting a tree now, live in the shade later, keep fertilizing it, it grows, neglect doing this it dies.

These are the 20 best-performing asset managers in South Africa Investment research firm, Morningstar, has recently published its latest analysis of South African asset managers, detailing which of the country’s top fund managers have delivered the best returns.