Financial Planning South Africa

Netto
Financial Planning

Financial Planning Article Index

Our financial planning articles are regularly published in South African newspapers and journals.
We include copies of them here for you to read at your leisure.

All articles are organised by topic, in date order. So the most recent article published will be at the bottom of the list in the relevant section.

You can download our free budgeting worksheets by clicking here.

For specific advice tailored to your particular circumstances please contact us to set up an appointment.

Latest Articles Published

Click here for a list of our last 20 published articles


Career Changes

Move your Pension Benefits when Changing Jobs
Retrenchment - Be Smart
How can a Retirement Fund Withdrawal decimate your hard-earned capital?


Debt

Debt Management - Profit By Curbing Your Borrowings


Ex-Pat Financial Planning

Ex-Pat Financial Planning - QROPS


Family Affairs

Divorce - The Right Financial Planning Can Save Your Assets
Women - A Financial Action Plan
Getting Married - Beware the Pitfalls of the Nuptials
Teaching Money To Kids
Financial Planning for Beginners


Financial Planning Process

Six Step Financial Planning Process
Help Your Financial Planner To Help You
Your Annual Investment Stock-take
Financial Planning Annual review - 6 Items to Cover


Financial Security

Financial Security -- Plan for It
Providing for your Family
Life Cover - Put on Your Financial Armour
Dread Disease Life Insurance - Be Cautious
Make Sure Your Life Assurance Numbers Add Up Before You Cancel
Disability Insurance Pointers


Getting Good Advice

Financial Advice for Young Professionals
Financial Advice - is it worth it?
Financial Planning Advice is no Longer a Luxury
Finding a Financial Advisor (And When To Fire One)


Investing Advice

Investing Money Advice - 10 Simple, Sensible Tips
Financial Advisor Advice - Sleep Easy


Investing Offshore

Global Assets -- Now is the Time
Advice on Investing Offshore


Investment Psychology

Tame the Wild - Insights into How YOU Invest Your Money
Personal Financial Plan - Balance the Greed vs Fear Equation
Does Mental Bias Mess With Your Investment Decisions?


Investment Risk and Diversification

Strategic Asset Allocation Plan - why Diversifying is Key
A Balancing Act on the Stock Market
Spread Your Assets to Manage Risk
How to Reduce Investment Risk
Diversify Investments Across Asset Classes


Investment Strategy

Don't Let Investment Costs Deter you
Investing -- Timing the Markets
Index Investing -- Is It Safe to Fly on Autopilot?
Long Term Investment Strategies - Good Sense
Hedge Fund Tactics - Hedging your Bets against Volatility
Safe Investing
Investment Strategy - Buy and Hold Still Works
Passive Investing vs Active Investing
Potential Perils of a Switch to Money Market
What Generation Are You? Differences in Personal Investment Decisions


Investment Vehicles

Investment in Property - Not Just Bricks and Mortar
South Africa Unit Trust Investment
Unit Trust Benefit vs Endowment ?
Holiday Home Investment - Beware the Pitfalls
Buying Investment Property - Sharpen your Pencil


Medical Aid

Medical Aid - Get Your Cover Early


Pension Funds, Provident Funds and RA's

Pension and Provident Fund Differences - which is right for you?
Retirement Annuity Fund Transfer - Should You Do It?
Top Up Your Retirement Annuity with a Tax Break
Best Retirement Fund Solution?
Will your Company's Group Retirement Plan give you Enough?


Retirement Legislation South Africa

Changing Retirement Legislation
Retirement Fund Interventions Spell Good News
New Retirement Funds Rules put Plenty at Stake


Retirement Capital

Inflation Retirement - No One is Immune
Managing your Retirement Cash
Maximise After Tax Cash Flow when Interest Rates are High
How Rate Hikes Affect Taxation of Your Nest Egg
Let the Taxman Help You on Retirement
Reverse Mortgage as a Last Resort
Effects of Inflation on Retirement Capital
Low Interest Rates Effect on Retirement Capital


Saving

You Can Never Save Too Much
When is the Right Time to Start Saving for Retirement?
Spending and Saving - Balance it Right in Volatile Times


Small Businesses

Don't Skimp on Business Continuity Costs
Leave Your Business in Safe Hands
Annual Review of Your Company Retirement Fund
Avoiding the Pitfalls of Small Business Shareholdings
Personal Surety - Beware the Pitfalls of Signing
Business Succession Planning - Keep your Business Going
Key Man Insurance
Business Debt - Honesty and Communication is the Best Policy


Tax Planning

Tax Deductible Expenses - A Taxing Business
Travel Allowance Tax - Travel Perks Lose Their Lustre
Tax Saving Tip - that boosts Retirement Funds


Trusts

Trust Fund Basics - Losing Control
Trust Funds - Securing your Assets
Trusts and Estate Planning


Wills and Legacies

Beneficiaries - Choose Who Gets Your Retirement Funds
Financial Plan Contents - Death is Inevitable so Plan for It
Role of Executor - Don't Burden Your Spouse
Financial Estate Planning - Beat Tax on Death







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Satisfied Clients

Des Kruger, a director of Mallinicks Tax Pty (Ltd) who has written numerous books on the subject of tax, is Netto Financial Services' first-ever client. He is also among those who encouraged Debbie to start a financial planning practice, her long-held dream.

"Debbie has a very emphatic approach to people and is very caring. That is the starting point," says Des, who leaves his financial affairs - from risk cover to retirement planning - in the hands of Netto Financial Services.
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University of Cape Town finance professor, Colin Firer says that he has appreciated the objectivity and structure Netto Financial Services has given to his personal finances.

"This is a very subjective area. I take the opportunity at our bi-annual reviews to bounce my thoughts off an objective practitioner."
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Copyright© 2008-2009 financialplanningsouthafrica.com.

Netto Financial Services (SA) cc (CK 1989/018205/23)
is registered as an Authorised Financial Services Provider by the Financial Services Board, License No. 17699.

Members: Ian Beere CA (SA) CFP™, Debbie Netto Jonker CFP™.
Address: C5 Pinelands Business Park, New Mill Road, Pinelands, 7405, Cape Town, South Africa
Postal Address: P.O.Box 38051, Pinelands, 7430, Cape Town, South Africa
Telephone:+ + 27 21 530 1260 accessible worldwide (or SA callers only: 0861 001 356 ) Fax: + + 27 21 531 7624 (or SA callers only: 086 549 8419)