Financial advisers and planners are increasingly turning to blended annuities to solve the complex challenges their clients face in retirement. These annuities assist in smoothing incomes through lengthier retirements, now often exceeding 35 years in duration. Defining annuitisation success “In order to have a meaningful conversation about annuities … we need to have a common […]
For many South Africans in their late 30s to 60s, life increasingly involves looking both forward and backwards at the same time. While younger generations are building careers, raising children, or still finding their financial footing, many are also stepping into the role of caregiver for ageing parents. Longer life expectancy, rising living costs, and […]
Human Rights Day is a reminder that freedom is a constitutional principle, but also something that must be experienced in everyday life. Beyond its historical significance, it requires us to think about the practical realities that make it possible for us to make life choices, plan ahead, and build secure futures. Giving individuals and families […]
Mark MacSymon, Wealth Manager at Private Client Holdings (PCH), explores why diversifying financial advice is not the same as diversifying your investment portfolio When two architects design the same house independently, you don’t get a stronger house. You get misaligned foundations. Every now and then a client tells me, that they use two financial advisers. […]
The escalating conflict involving the US, Iran and Israel highlights the impact geopolitical instability can have on global trade and by extension, South African businesses and their insurance cover. According to Ryno de Kock, Head of Distribution at PSG Insure, geopolitical conflicts have a direct implication on how insurers assess risk, particularly where trade routes, sanctions […]
Insurance is meant to be your safety net, but for some policyholders that net unravels when it matters most. The Non-life Insurance Division of the National Financial Ombud Scheme (NFO) says too often people discover after a fire, flood, or theft that the payout they receive is far less than expected because the value of […]
If your insurance could pull up a chair at your kitchen table tonight… What would it ask you? Would it quietly clear its throat and say, “Are we still on the same page?” Wynand van Vuuren, client experience partner at King Price Insurance, answers the questions your insurance would ask if it had a voice: […]
