Financial Planning

How to save during tough times

We currently find ourselves in a market that hasn’t shown any real growth over the past five years and even the most optimistic investors are now starting to panic, especially those who have already retired. With the cost of living rising rapidly, many pensioners are forced to increase their withdrawal rates to well above the […]

Financial Planning

Retirement Planning during different life phases

I have taken a few days to visit Hermanus this week and with the Whale Festival that’s just passed, this little town is bursting at the seams. Visitors range from toddlers to graceful retirees, all of whom enjoy the festival equally. It’s in exactly these different age groups that I broadly place these people into […]

Financial Planning

How much do you need to Retire Comfortably?

Saving for retirement is a lot like batting first in a cricket match. You know you have to save and you do so to the best of your ability, but how many ‘runs’ do you truly need to retire comfortably? In this week’s article, I’m going to try to show you a more structured approach […]

Financial Planning

eTV Moneyline Interview: Top Tips for National Savings Month 2015

Schalk Louw talks about National Savings Month, July 2015. The opinions expressed in this interview are the opinions of the speaker and not necessarily the opinion of PSG. These opinions do not constitute advice. Although the utmost care has been taken in the research and preparation of this interview, no responsibility can be taken for actions taken on […]

Financial Planning

Remember the term ‘SAVE’?

We have just passed everyone’s favourite time of the month – month-end! Perhaps you looked forward to an expected mid-year increase, and shamelessly went ahead and spent your money on all those desirable items before payday. Sobering is that moment when payday arrives without your expected salary increase, in a time when necessities such as […]

Financial Planning

Retirement Planning – What to do in your 40’s?

A number of years ago after attending a presentation in Gauteng, I had to rush back to the airport in time for a flight to Bloemfontein. There were a lot of road works, the weather was dreadful and as a result, I missed my flight. To add insult to injury, I was informed that it […]

Financial Planning

Procrastination is the Thief of Time

We recently decided to spend a beautiful Sunday at one of our favourite Cape Winelands restaurants. Instead of booking a table immediately, I spent my time attending to an array of other tasks and each time my wife asked me whether I had made the booking, I answered: “I just want to finish this and […]

Financial Planning

New Year’s resolutions for Investments in 2015

We’ve reached that time of the year again when coastal towns run empty and Christmas decorations are removed from display windows. This is also the time when most people compile a list of resolutions for the New Year. Favourites are: “I am going to lose weight this year” and “I want to become fit enough […]