Finsmart Asset Management

Tax Free Investments

How the plan works    Any South African resident can invest up to R30 000 per annum in their tax free savings plan.  Investments can be made as a lump sum or recurring at a maximum R 2500 per month.   For investors starting their journey tax free plans are also available from as...

Short Term Insurance

Questions to ask! Most people every now and then decide they are paying too much for their vehicle insurance. They do a quick call around and, depending on the price, stay where they are or switch insurers. “This is because most people believe that in the end all insurers and their products are...

Medical Aid

Hoe belangrik is mediese dekking tydens egskeiding?   As finasiële adviseur weet ek en jy dat dit baie moeilik is om dood te gaan. Jy sal vlenters getrap word deur ‘n bus vanoggend en vannaand sal jy wakker word in ‘n spierwit vertek met ‘n pype in 7 addisionele gate in jou lyf, wat nog nooit...

Wealth Management

Today people who hold cash equivalents feel comfortable. They shouldn't. They have opted for a terrible long-term asset, one that pays virtually nothing and is certain to depreciate in value. – Warren Buffet   Finsmart Asset Management implements long term investment and financial planning...

Retirement Planning

   When you claim your share from your ex-spouse's retirement fund you can transfer to a preservation fund tax free by transferring your divorce claim benefit from a pension fund to a pension preservation fund and from a provident fund to a provident preservation fund. Once you are a...

Financial Planning

Why Severe Illness Cover?

01/04/2015 19:02
Dr Marius Barnard, yes brother of the famous Chris Barnard had the mastermind behind this great financial product. He experienced first-hand how a woman had to go to work every day in order to support her family while battling cancer. She was severely ill with stage 4 cancer, but had no...

Medical aid and divorce

04/03/2015 21:41
Affordability of medical aid on a single income becomes a balancing act sometimes. Very Important points to remember  during divorce: When  you and your ex agrees that you will remain on his / her medical aid, then it should be written into your agreement and it should specify...

Financial planning during divorce

04/03/2015 08:22
    I will gladly assist in answering some of your questions during the process of divorce. These are some of the most frequently asked questions:   How much child maintenance am I entitled to? How will I retire after divorce? Can I insure the child maintenance? Should I...

Slim Finansiele Beplanning

28/02/2015 16:45
  Indien jy aandag aan al die bogenoemde finansiële boublokke gee en elke blokkie kan ”afmerk”  dan gaan jou finansies beslis op solide fondamente gebou wees.  Daar is eintlik net 2 goed wat mens met inkomste kan doen: SPAAR of SPANDEER! Indien jy in die eerste jaar van egskeiding...

Child Maintenance vs Accrual Claim

25/07/2014 18:11
When we set out to get engaged, get married or live together, the intention is to build a life together. Once the bells have stopped ringing and have been replaced with the sound of child entertainment toys, one soon finds out where your priorities lie.    “Building a life together” for...

There are only 2 things you can do with money! You either spend it or save it…

24/09/2013 13:35
If you are able to save / invest money during your first year of divorce you will soon realize that you have reduced your risk in your portfolio and in due coarse will have more capital available for smart investing and smart living.   How does one go about doing this? First understand that...

Single parents should consider the following financial risks.

03/09/2013 07:45
The World Health Organisation revealed the following facts:   In 2007 a woman’s  life expectancy  at birth was more than 80 years in 35 countries.   This should tell you that after divorce you should review your retirement planning. The likelihood of out living your retirement...