Holistic Financial Planning

Well don Veronica Strydom on an exceptional month. Keep up the hard work

Start saving towards your child's future and their education👩‍🏫

What saving options are available?

Tax Free Savings Account
A Tax Free Savings Account (TFSA) is an effective way to save for longer-term goals, like your child’s
education, as you pay no tax on investment return. As a result, your money will grow faster in a TFSA
than in a regular savings account.
You are allowed to invest up to R30 000 per tax year, and up to R500 000 over your lifetime without
paying any tax on the growth of your investment. There are no dividends, capital gains or income tax
payable on a TFSA, as long as your contributions remain within the above-mentioned limits.
With a TFSA you can also access your money at any time without penalties. The minimum recurring savings amount for this plan is R400.00 per month. 🍏

Unit Trusts
A unit trust allows you to make lump sum payments or monthly contributions towards saving for your
child’s education. You can invest in a range of asset classes, such as equities, bonds, property and money
market instruments.
There are no minimum investment periods, so you have access to your money within hours, should
you need it. But remember that you’ve invested in a unit trust for the long term, so it will be equally
important not to touch your savings in a unit trust unless it’s really necessary. The minimum recurring savings amount for this plan is R500.00 per month. 💡

Contact us and we will be happy to assist. 👨‍🎓👩‍🎓

Contact us 0788391093

Contact us on 0788391093 for sound advice to make informed decisions to secure your child's future ,

The Child Illness and Injury Benefit. Contact us today for more information 🌻

🧔 MOVEMBER is here 🧔
Please read below ⬇️

With holidays around the corner please make sure your financial matters are seen to.... ie. Life cover, disability, severe illness, car and household etc. Please contact our team for quotes.

Cash shortfalls in estates
and how to plan for them 👩‍🏫

More than 46% of deceased estates in South Africa do not have sufficient cash available to cover all debts, costs, cash bequests, and taxes payable during one’s lifetime and at death, including income tax, capital gains tax and estate duty.
The death of a loved one is an emotional time making it difficult to focus on estate matters to be addressed. And truth be told, death can be an expensive and a cumbersome affair, particularly if estate planning has been neglected, the claims against the estate start are accumulating and there isn’t sufficient cash to settle outstanding debts. People generally underestimate the costs related to death.

Contact us today and we can assist you with your estate planning.

Sanlam se risikodekking gee die toon aanPosted on September 11th, 2018 |

Sanlam se Omvattende Ernstige Siekte-voordele sluit presies dieselfde markleier-dekking vir kanker en kardiovaskulêre siekte in as wat onder die aparte Kanker- en Kardiovaskulêre voordele verskaf word. Die kankerdekking sluit dekking vir kanker, leukemie, limfoom en gewasse in, met omvattende dekking vir vroeë kankersoorte (insluitend velkanker), asook wye dekking vir goedaardige breingewasse. Gespesifiseerde aggressiewe kankersoorte word vanaf stadium 1 teen 100% gedek, selfs indien die meer bekostigbare Omvattende Ernstige Siekte-voordeel onder die Impak-reeks gekies word.

Die Omvattende Ernstige Siekte-voordeel is ook beskikbaar as ’n Plus-voordeel, wat 100% uitbetaal vir die eisgebeurtenisse wat deur die Standardised Critical Illness Definitions Project (SCIDEP) gespesifiseer word en ook groter persentasies van die dekkingsbedrag vir ander gespesifiseerde eisgebeurtenisse uitbetaal.

Hoe werk eise op hierdie voordele in die werklike lewe?

Adeno-karsinoom van die linkerbors is vroeg in 2018 by Linda du Toit*, Besturende Direkteur van haar eie maatskappy, gediagnoseer.

Haar Sanlam-adviseur het op 22 Mei 2018 ’n eis namens haar onder die Omvattende Ernstige Siekte Plus-voordeel ingedien. Haar eis is op 23 Mei geëvalueer en sy het vir ’n 100%-betaling onder dié voordeel gekwalifiseer.

Op 13 Junie het Sanlam ’n eisbedrag van R1 250 000 aan haar betaal en haar adviseur in kennis gestel van die eisbesluit.

Aangesien mev. Du Toit se onkoloog haar ook by die werk afgeboek het vir die behandeling en operasie wat sy nodig gehad het, is ’n eis ook namens haar onder haar Sanlam Siektevoordeel ingedien. Sanlam het hierdie Siekte-eis ook ingedien en haar maandelikse Siektevoordeel is terugwerkend van 25 Mei tot 6 Julie 2018 betaal. Die Siektevoordeelbetalings het byna R40 000 bedra – opgemaak uit R6 370 in Mei, R27 300 in Junie en R5 460 in Julie.

Wanneer ’n ernstige siekte soos borskanker by ’n kliënt gediagnoseer word, moet sy al haar energie gebruik om die siekte te bestry sonder om haar oor haar finansies te bekommer. Dis waarom dit so uiters belangrik is om behoorlik verseker te wees.

Kanker in Suid-Afrika – die syfers**Een uit vier Suid-Afrikaners word deur kanker geraak weens ’n diagnose by familie, vriende of hulselfElke jaar word kanker by meer as 100 000 Suid-Afrikaners gediagnoseerDie Suid-Afrikaanse kankeroorlewingskoers is ses uit 10.Sanlam-statistieke vir 2017

Die meeste van die ernstigesiekte-eise wat Sanlam in 2017 uitbetaal het, was vir kanker.

43% van die ernstigesiekte-eise vir mans was vir kanker, waarvan 12% vir prostaatkanker was77% van die ernstigesiekte-eise vir vroue was vir kanker, waarvan 31% vir borskanker en 5% vir melanoom was.

* Nie haar regte naam nie.

**

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