Financial Planning South Africa Blog

Donations Tax and Gift Advice | Netto Invest | Cape Town | South Africa

Thu, 12 Apr 2012 10:03:19 GMT

With donations tax in South Africa, giving away your money does not necessarily exempt you from tax. What is the threshhold? And what about giving investments as gifts?

Organ Donor Foundation FAQ | South Africa

Thu, 01 Sep 2011 10:37:07 GMT

Netto is supporting the Organ Donation Foundation as they raise awareness of how organ donation can help you make a positive impact on your world even in death. Here are some frequently asked questions...

Financial Planners | Cape Town | South Africa

Thu, 01 Sep 2011 09:57:42 GMT

Our close-knit team of Certified Financial Planner professionals is highly experienced. We have twice won Financial Planner of the Year SA, and use our CFP, CA(SA) and law qualifications to great effect.

Investment Strategy - Buy and Hold Still Works

Mon, 10 Jan 2011 14:04:22 GMT

Buy and hold is still the best stock market investment strategy.

Role of Executor - Executing an Estate is a Team Matter

Mon, 10 Jan 2011 14:04:20 GMT

Your spouse does NOT want the role of executor of your will. Here are the whys and wherefores of whom to appoint.

Saving for Retirement -- Time is of the Essence

Mon, 10 Jan 2011 14:04:19 GMT

Saving for Retirement -- most people will need a retirement income of more than three-quarters of their pre-retirement income to maintain their current standard of living after retiring.

Low Interest Rates Force Retirees To Review Strategies

Mon, 10 Jan 2011 14:04:17 GMT

Low interest rates are good for the bond paying population. Not for the retiree. Portfolio diversification is Key

Marriage Financial Considerations - how will you handle the biggest deal-breaker?

Mon, 10 Jan 2011 14:01:15 GMT

When it comes to the wedding, marriage financial considerations often get obscured by a veil of confetti. But money and how you handle it is often the rockiest part of your relationship, no matter how long you have been together...

Financial Planning for Beginners - Save Now for Later

Mon, 10 Jan 2011 14:01:15 GMT

Here is some essential advice on financial planning for beginners. Financial independence is possible if you start saving money early.

Spending and saving - financial discipline in volatile times

Mon, 10 Jan 2011 14:01:14 GMT

Balance spending and saving to ensure your retirement plans weather the financial storm.

Buying Investment Property - Anything but Passive

Mon, 10 Jan 2011 14:01:14 GMT

Before buying investment property, sharpen your pencil and keep your wits about you.

Retrenchment in South Africa - Coping Strategy, Packages, Finances, Emotions

Mon, 10 Jan 2011 14:01:13 GMT

Are there rules about retrenchment in South Africa? What key principles should I use to turn this into a positive milestone in my life? What should I ask my Company / Employer?

Retrenchment Benefits in South Africa - Financial Considerations and Planning

Mon, 10 Jan 2011 14:01:12 GMT

Being retrenched is bad enough, but make sure you get your finances in order. A badly structured package of retrenchment benefits can cost you a lot in tax and retirement capital.

How to Cope with Retrenchment in South Africa - Financial Worries May Hit You Last...

Mon, 10 Jan 2011 14:01:12 GMT

Understanding the process is key to how to cope with retrenchment without falling apart. Strategise to come though it positively.

Surrendering Endowment Policies - Advice on the Issues in South Africa?

Mon, 10 Jan 2011 14:01:10 GMT

Are you considering surrendering endowment policies in South Africa? So was this reader. His question was referred to us by the financial press. If you also want to know the answer to this question, read on...

Client Service and Testimonials - Netto Financial Services -- Cape Town

Fri, 13 Aug 2010 13:59:37 GMT

Ongoing client service is essential for a successful financial planning experience. We take on the Call Centres so our clients don't have to!

Financial Planning Article Index - Our Published Newspaper Articles - South Africa

Fri, 18 Jun 2010 08:07:08 GMT

Our financial planning article contributions are regularly published in the South African press. We include a copy of each financial planning article here so that you can benefit from them at leisure.

Netto Financial Services -- Cape Town Financial Planner

Thu, 06 May 2010 09:08:30 GMT

Contact a Cape Town Financial Planner – Netto Financial Services

Certified Financial Advisor -- Debbie Netto Jonker -- Cape Town

Tue, 04 May 2010 10:48:23 GMT

Debbie Netto-Jonker, Netto Financial Services, Certified Financial Advisor

Ian Beere and Morne Bezuidenhout on 567 Capetalk 19:00 Nov 4, 2009

Wed, 04 Nov 2009 16:15:28 GMT

On Nov 4th, 2009 at 19:00, Ian Beere and Morne Bezuidenhout will join 567 CapeTalks's Leigh Bennie on her regular weekly program "A Word on Personal Finance". Tune in and listen to the show. Better still, call in for answers to your own personal finance questions!

Women - Financial Action Plan

Wed, 28 Oct 2009 11:16:49 GMT

Even in 2008, we find that relatively few women are intimately involved with the financial planning of their families.

Contact Netto

Tue, 13 Oct 2009 13:26:20 GMT

We discovered a bug in our Contact Form and we apologise profusely if you have been inconvenienced by it. The form is now back in action thanks to a sharp-eyed client, so please make use of it if you need to get hold of us at Netto. We look forward to being of service to you!

Group Retirement Plan: How Important Is It To your Financial Planning?

Sat, 05 Sep 2009 09:39:48 GMT

How do you know if your group retirement plan is enough? Your company pension may not be sufficient for your old age.

Retirement Fund Withdrawal: how do the South Africa tax changes in 2009 affect you?

Thu, 03 Sep 2009 09:21:30 GMT

Would a retirement fund withdrawal benefit you in South Africa? Easier tax calculations and greater exemptions in 2009 may not be the only things you need to consider.

Financial Plan Contents - You Need to Plan for the Inevitable

Fri, 14 Aug 2009 08:10:34 GMT

For your family, make sure your financial plan contents cover a plan for your death.

Financial Planner of the Year 2001, 2007 - Netto Financial Services, Cape Town, South Africa

Fri, 14 Aug 2009 08:04:29 GMT

Financial Planner of the Year 2001 and 2007. Netto Financial Services is the only practice in South Africa to have won this award twice.

Free Budgeting Worksheets Download - Why Personal Finance Budgeting Makes a Difference

Fri, 07 Aug 2009 18:38:26 GMT

Budgeting worksheets make personal finance budgeting simple. Download our free tool here and get on top of your financial planning.

Financial Independence is no Accident

Fri, 07 Aug 2009 18:38:26 GMT

What you will come to expect from us – good advice for financial independence.

Financial Advisor Advice - Simple is Often Sensible

Fri, 07 Aug 2009 18:38:25 GMT

Professional financial advisor advice for free - 10 steps to assess proposals and maintain financial peace of mind.

Financial Planning Annual Review - Checkups are Vital for Financial Health

Fri, 07 Aug 2009 18:38:22 GMT

Schedule a financial planning annual review and don't miss it - here are six steps your professional advisor should cover with you.

Disability Insurance Cover - Impairment or Occupational Disability - South Africa

Fri, 07 Aug 2009 18:38:21 GMT

Disability insurance protects your greatest asset: the ability to earn over an extended period.

Teaching Money to Kids - The Value Of A Buck

Fri, 07 Aug 2009 18:38:20 GMT

Feeling the pinch? This is the ideal time to start teaching money skills to your kids.

Managing Business Debt - Reduction, Settlement, Relief

Fri, 07 Aug 2009 18:38:19 GMT

Business debt reduction iskey to managing cash flow in tough times. Settlement or debt relief may need to be explored.

What is Key Man Insurance? How Key Man Cover Helps Your Business

Fri, 07 Aug 2009 18:38:18 GMT

Key man insurance, whether it is keyman life assurance or disability cover, is an important part of business continuity planning.

Diversify Investments - What Are Asset Classes?

Fri, 07 Aug 2009 18:38:17 GMT

To diversify investments successfully you need a balance across asset classes, tailored to meet your investment objectives.

Passive Investing vs Active - Index Investing - Index Fund Investing

Fri, 07 Aug 2009 18:38:16 GMT

I often get asked about the relative merits of both active vs passive investing. The popularity of index investing has grown incredibly in recent years.

Divorce - Financial Planning Is Crucial - South Africa

Fri, 07 Aug 2009 18:38:14 GMT

Divorce has devastating effects emotionally but also materially. Good financial planning helps with a clean break due to legislation changes in South Africa.

Medical Aid - Get Medical Cover As Early As Possible - South Africa

Fri, 07 Aug 2009 18:38:13 GMT

Medical aid membership should be an important part of your financial planning. This is even more important now since the changes to the South Africa Road Accident Fund Act were implemented on August 1, 2008.

Holiday Home Investment? Avoid Repenting At Leisure With These Tips

Fri, 07 Aug 2009 18:38:12 GMT

Holiday home investment falls into what financial planners class aslifestyle assets. Think rationally and they CAN work for you.

Debt Management - Profit from Curbing your Debt

Fri, 07 Aug 2009 18:38:12 GMT

Almost all individuals need to take on some debt at various points in their lives. So use these debt management tips to help maintain your financial health.

Ex-Pat Financial planning - Taking Your Money With You

Fri, 07 Aug 2009 18:38:11 GMT

Ex-pat financial planning has its own wrinkles. What if you are a UK ex-pat living in South Africa?.

Fri, 07 Aug 2009 18:23:09 GMT

Budgeting worksheets make personal finance budgeting simple. Download our free tool here and get on top of your financial planning.

Effects of Inflation - How Much Do You Need For Retirement?

Wed, 08 Jul 2009 09:48:51 GMT

What are the effects of inflation on your retirement capital? How much capital do you REALLY need to retire?

Trusts and Estate Planning - Do You Need a Trust?

Wed, 08 Jul 2009 08:51:31 GMT

Trusts perform a crucial role in protecting assets and are frequently recommended for estate planning. However, legal and taxation landscape changes can result in unintended consequences for the unwary.

Unit trust Benefit vs Endowment - Which to Choose When?

Wed, 08 Jul 2009 06:37:41 GMT

Unit trust benefit #1: investment. A decision to use an endowment vehicle should primarily be made for tax and estate planning reasons, and not for investment reasons.

Money Market Switching May Do More Harm Than Good

Tue, 07 Jul 2009 15:16:56 GMT

Does the market volatility leave you tempted to do the switch from stock market to money market? It may cost you dear.

Personal Investment Decisions - Generational Differences

Tue, 07 Jul 2009 09:18:02 GMT

There are many influences on personal investment decisions, not least of which are generational differences.

Investment Decisions - How Common Biases Cloud the Issues

Tue, 07 Jul 2009 08:38:48 GMT

Mental biases can be costly when it comes to making investment decisions.