Ikazi consulting Services

Trusts vs Estates – what’s the difference?

While both deal with managing and distributing assets, trusts and estates serve very different purposes:

➡️ A trust is a legal entity created to hold and manage assets for the benefit of others. It exists during and beyond the founder's (the settlor's) lifetime and is managed by a trustee who must act in the beneficiaries' best interests. Trusts can help with controlled wealth distribution, protecting assets, and efficient succession planning.

➡️ An estate comprises all assets, liabilities, and obligations that are managed upon someone's passing. It is administered by an executor in accordance with the will or applicable succession laws and exists only until all assets and liabilities have been settled.

In short, trusts manage wealth proactively, and estates settle it for succession purposes.

Planning ahead ensures your wishes are carried out smoothly and your loved ones are protected. Speak to a trusted financial advisor about creating a trust or reviewing your estate plan: 👉

ikazi consulting services® Financial Group (Pty) Ltd is an authorised financial services provider (FSP).

If you run a business, protecting the basics matters: your assets, your liability, and your ability to keep operating if something goes wrong.

We help you identify your key risks and build insurance that fits your industry, size, and budget.

Want a tailored assessment? Complete our contact form: https://ikazi.africa/contact-us/

It’s easy to forget just how much comfort and convenience your car provides – until it’s suddenly out of action.

With the right car insurance, you’re not just protecting your vehicle; you’re protecting your freedom of movement, your daily routines, and the ability to get where you need to be, safely and reliably.

Don’t wait for the unexpected to remind you – make sure your cover keeps you moving with peace of mind.

Speak to a trusted financial adviser👇
+260760830380

ikazi consulting services® Financial Group (Pty) Ltd is an authorised financial services provider (FSP).

Keep your family informed of your life insurance

Protect your family’s financial future with a wide selection of comprehensive life insurance options, including funeral cover.

/keep-your-family-informed-of-your-life-insurance/

2026 medical aid contribution increases: DHMS vs the rest.

Increases across more than 80 plans compared:

https://www.moneyweb.co.za/news/south-africa/2026-medical-aid-contribution-increases-dhms-vs-the-rest/

Still on savings plan for this year, you can choose to make your monthly contributions the same, someone said by the time they get to August they're already supposed to contribute half of their salary which doesn't make sense coz they still have bills to pay.
The goal isn't to save how much other people are saving, the goal is to save the money you think you'll need by the end of the year (we stand to be corrected) which is obviously different from the person next to you. These figures are just an example, not something you must roll with.
We read somewhere that "our savings plan SHOULDN'T be strict but should support the life we live, be flexible and smart.

How does your 2026 savings plan look like? Are you taking part in the savings plan this year? Did you manage to accomplish your savings plan in 2025 or your quit along the year🤣? Has it ( savings plan) ever worked for you or this year will be your first?.

Below are some options we came across, something to consider.

While choosing an option to settle for, remember these options are there to help you structure and set direction for your 2026 saving journey, they don't have to be perfect hence they might not be, its just a start, you'll figure out more as the year progresses

Did you know?

Poor nutrition drives up to 70% of preventable type 2 diabetes cases globally, while also fuelling many avoidable instances of hypertension and heart disease.

Eat Better with Your Medical Aid

https://ikazi.co.zm/nutrition-and-preventive-health-eat-better-with-your-medical-aid/

Remember to top up your tax-free savings account or open a new one today! It is an effective way of saving towards your goals because any interest, dividends or capital gains will be free of tax.

ikazi consulting services™ Group (PTY) Ltd is an authorised financial services provider, FSP

Easter holidays are just a few weeks away! Are you covered with the right travel insurance for your next holiday?

https://ikazi.co.zm/specialist-insurance/

Planning for your future starts with taking control of your retirement savings. A Retirement Annuity offers several benefits that make it a smart choice:

✅ Flexible contributions – Start easily, and adjust or pause your contributions as your circumstances change.
✅ Tax-efficient growth – Save in a way that helps your money grow while reducing your tax liability.
✅ Complementary savings – You can open a Retirement Annuity alongside other retirement solutions to strengthen your financial plan.

Take charge of your financial future and start building a retirement plan that works for you. Speak to a trusted financial advisor today: 👉

ikazi consulting services®Financial Group (Pty) Ltd is an authorised financial services provider (FSP ).