I need help with ...

A review-I think I am paying too much
Click here to review your policies at No Charge.
A Life Cover
Click here to get info on death, disability or illness cover.
An Education Policy
Let us do the homework.
Planning for Retirement
Get all the tips and tricks to retire in style + save on tax.
Protect Your Greatest Asset
Your income, perhaps your most important insurance. Click here for income protection.
A short term savings plan
Holiday, new home, car, here I come
Investing a lump sum
From guaranteed growth to high risk, we have the solution for you.
Pension / Provident Funds
What will your employees get when they retire from your company?


Secret 1: Fund Fact Sheet

Prior to investing, you must ensure that you are taken through fund fact sheets.  This shows the performance of the fund over a year, 3 year and 5 year period.

Off course, there are no guarantees that this will be the performance moving forward but this will help give you an idea of what you could expect.

Viewing fund fact sheets allows you to make an informed decision on where to invest.

It will also include the following:

  • Fund value – the amount of money in the fund
  • Fund managers details – the person / people who actively monitor the fund
  • Top holdings – some places where the money is actually being invested

You can view a range of funds here.

Secret 2: Invest Like A Pro

“The markets have crashed!”

If you are like most people, you want to cash out your investments.

However, this is not a good idea.  Imagine the line on the graph is the price of our favourite pair of shoes.  When would you like to buy it?

That’s right – when the price is low.  The same applies to your investments.  You want to buy when the prices are low and sell when they are high.

When the markets crash, the fund managers decides to drop the prices of the fund as an incentive for you to invest.  This means you are getting the same investment at a lower price.

It’s difficult to predict a high or a low.  With this in mind, you should be investing for a long period.  It is not timing the market that counts but time in the market.

Secret 3: Costs

This is also an important aspect for you to consider.  The lower the costs, the more of your money is actually being invested.

When investing in a retirement annuity, education policy, savings plan or investment policy, make certain you look out for options to save on costs.  You will often find that insurance companies offer reduce costs based on how much you invest, how much you have in your fund, etc.

You must also consider the need for many of the same type of policies.  For example, starting two retirement annuities will result in a duplication of costs.  The other option is to increase your current retirement annuity.

For more tips, please contact us This e-mail address is being protected from spambots. You need JavaScript enabled to view it or 031 502 5661

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