06 Feb Retrenchment in South Africa 2021
Posted at 00:00h in Uncategorised
Retrenchment is never pleasant to experience, so remember to keep your options open. If you find yourself exiting a pension or provident fund due to...
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29 Jan MIT study reveals those most at risk of panic-selling
Posted at 00:00h in Uncategorised
You may think that an entrepreneur in the prime of his life with family responsibilities and a head for investing would be the last person...
22 Jan Managing stock market risks
Posted at 00:00h in Uncategorised
With the global equity index trading near all-time highs (and without having had a crash for some time), we are hearing more and more concerns...
15 Jan ESG investing: we need both urgency and nuance
Posted at 00:00h in Uncategorised
ESG investing recognises that factors other than mere financial ones have an impact when making investment allocation decisions. The acronym ESG stands for environmental, social...
08 Jan Covid-19 — it’s Oxford Dictionary Official!
Posted at 00:00h in Uncategorised
The lexicographers of the Oxford English Dictionary have made a bold move and added the word Covid-19 as one of their new word entries, immortalising...
01 Jan 5 (simple) wealth habits of self-made millionaires
Best-selling author Tom Corley's ongoing analysis about how to grow and sustain wealth reveals that, surprisingly, the most common path to becoming a millionaire is...
30 Aug Why do South African women need to be proactive about their financial planning?
Posted at 10:55h in Uncategorised
Until recently, the financial services industry merely noted “women were responsible for directing a large portion of the monthly household expenditure, such as grocery shopping,...
25 Aug Risk Management — Reasons for South Africans to Invest Offshore
Posted at 12:08h in Uncategorised
Building up sufficient retirement savings is a long-term project that boils down to optimal risk management. The chief way to reduce your investment risk is...
20 Aug Post-Covid: Is Working from home here to stay?
Posted at 12:06h in Uncategorised
Less time tapping your fingers in traffic jams. No daily colleague negotiations about how cold the air-con’s set. Your own snack-laden fridge just a few steps from...
15 Aug Budgeting: 5 Unexpected Benefits of Planning Ahead
Posted at 12:04h in Investments
The thought of a visit to Home Affairs for a passport always makes one groan, but at least the trip you’re planning makes the outing...
10 Aug Investment Platforms vs Asset Managers explained
Posted at 12:01h in Newsletter
An investment platform (often also referred to as “an administrator”) is an online service which holds and administers investment funds on your behalf as an...
05 Aug Money habits for Millennials: a 5 step plan
Posted at 11:57h in Newsletter
As a Millennial you may have heard yourself labeled materialistic, entitled, spoilt. Yet you’ve navigated several world-changing events at key stages of your life —...
30 Jun Protection of Personal Information Act (POPIA)
Posted at 17:05h in Press
At Netto we have always taken the security and confidentiality of your data seriously. The introduction of POPIA has been necessary with the way our...
01 Jun Emigration and subsequent access to your retirement funds
A change to the financial rules around emigration will make accessing your retirement funds more challenging from 2021 onwards....
08 Apr Reflections on a global pandemic: a Netto year in review
Posted at 11:03h in Financial planning and advice
Ian Beere reflects on how Netto prepared to uphold its responsibilities to its clients in the midst of the global pandemic. ...
08 Feb Does the government plan to ‘steal your pension money’?
The prescribed-assets discussion lends itself to sparking fear, but reduced to bare factual bones, what does it really mean?...
20 Jan Holistic financial planning: Partnering with your financial advisor
Posted at 13:51h in Financial planning and advice
A holistic approach allows your financial planner to carefully consider and integrate all aspects of your finances and future goals....
15 Dec Boutiques are better – right?
In this Blue Chip article, Netto’s Investment Manager James Downie dives into the debate about the benefits of a boutique asset manager vs those of...
10 Dec Offshore investing from your SA armchair
Netto Invest Wealth Manager Gareth Leonard joins Jackie Cameron and Magnus Heystek in this BizNews Finance Friday webinar - Offshore investing from your SA armchair....
24 Nov Tough times in 2020: What not to cut back on
Posted at 15:04h in Financial planning and advice
It's important to know what not to cut back on as we figure out how to deal with the financial consequences of coronavirus....
18 Nov Wealth Manager Michael Maré on Good Hope Radio
Michael Maré, a wealth manager at Netto Invest, gives his take on investing in this Good Hope Radio interview. Michael explains the difference between saving...
10 Nov 5 ways to take control of your finances as a young adult
Posted at 13:00h in Financial planning and advice
If you don't know where to start with managing your money, sound financial planning principles can help you take control of your finances....
04 Nov Financial Planning Week webinar
Posted at 16:19h in Financial planning and advice
This Financial Planning Week, Netto wealth managers discuss the starting point, destination, and journey of financial planning for under 35s....
26 Oct Put a will in place this National Wills Week!
National Wills Week puts a spotlight on the importance of having a will in place. You could even get a will done for free....
21 Oct Accessing your retirement funds when you emigrate
Posted at 10:35h in Retirement
If you are planning to move abroad, accessing your retirement funds may prove to be more challenging from next year....
20 Oct Approaching retirement in the time of Covid-19
Posted at 09:08h in Retirement
Heading into retirement during the Covid-19 pandemic may feel like the worst possible timing. But the key is not to panic....
13 Oct South African unit trust investment – does it make sense?
Posted at 02:08h in Investments
There are even more South African unit trusts available than local shares, making selecting the right unit trust quite a task....
05 Oct Your living annuity in the time of Covid-19
If any part of your retirement income is in the form of a living annuity, what are the implications for you during this time of...
07 Sep Doomed by government debt?
Posted at 12:50h in Tax and duties
Governments have scrambled to mitigate the economic effects of the C-19 crisis but, Wealth Manager Richard Sparg CFP® asks, will we have to bear the...
31 Aug SA bond returns – a permanent capital loss?
Posted at 09:11h in Investments
To understand SA bond returns, we need to recognise that bonds are usually used as a hedge for equities when diversifying an investment portfolio....
27 Aug Personal financial planning and female empowerment
Posted at 08:55h in Financial planning and advice
Personal financial planning is essential for men and women alike. But the reality is that women tend to take a backseat when it comes to...
20 Aug Reflect on your money goals this Women’s Month
Posted at 13:54h in Financial planning and advice
This Women's Month making use of various coaching tools can be a great way to get on top of your money goals...
11 Aug So, it’s all back to normal in the markets – or is it?
Posted at 09:07h in Investments
Recovery is firmly in place and the catastrophic behaviour of the world markets earlier in the year is a thing of the past....
04 Aug Prospective first-time buyer? Read this!
Posted at 14:21h in Financial planning and advice
If you're a first-time buyer about to climb on the property ladder, there couldn't be a better time. Interest rates are the lowest they've been...
24 Jul Pension and provident fund – which is right for you?
Even though pension and provident funds make up the bulk of most people’s retirement provisions, few people know the difference between them. ...
07 Jul Can South Africa revitalise investor interest?
Posted at 09:38h in Investments
We asked Adrian Clayton, Chief Investment Officer at Northstar Asset Management, to share his insights on whether South Africa can revitalise investor interest as an...
10 Jun Retrenchment benefits and packages in South Africa
Posted at 08:50h in Retrenchment
Financial worries can be minimised if you know your rights and get good retrenchment financial planning advice to grow your retirement capital. ...
04 Jun How to ease your cash flow during Covid-19 lockdown
Posted at 15:10h in Financial planning and advice
Are you in a position where your income has been temporarily reduced? Are you looking to ease your cash flow wherever possible during the Covid-19...
12 May Retirement planning amid the Covid-19 pandemic
Posted at 19:53h in Retirement
Salvaging your retirement planning amid the COVID-19 pandemic will take a cool head and a sensible strategy, just don't panic! ...
04 May 9 ways to plan for the months ahead
Posted at 13:11h in Financial planning and advice
You may have taken some steps to prepare yourself financially, but it's looking more likely that the coronavirus crisis will continue for quite some time....
20 Apr Why it’s so important to do your sums before you say ‘I do’
Posted at 13:11h in Financial planning and advice
If you have a wedding in your future, it's important to do your sums before you say 'I do' - or risk being wed 'until...
14 Apr Plan to preserve the value of your estate
Plan to preserve the value of your estate by making sure you nominate beneficiaries. But understanding how your beneficiaries will be affected is the first...
08 Apr How to limit the effects of emotion on your investment
Morné Bezuidenhout, director and wealth manager at Netto Invest, explains how to limit the effects of emotion on your investment. ...
20 Mar How to protect your digital legacy before you die
What happens to your digital legacy when you pass away? How do you ensure that your wishes about what happens to your digital data and...
03 Mar 4 tips for getting off to a flying start to financial freedom as a young adult
Posted at 20:54h in Financial planning and advice
If there's a young adult in your life, these tips could be just what they need to get them on the right track for financial...
24 Feb The power of tiny gains
Posted at 11:39h in Financial planning and advice
Underestimating the significance of ongoing small gains that accumulate over time is surprisingly easy. But why? We all appreciate the benefit of compound interest, and...
17 Feb Maximise your assets: smart tips for the end of the tax year
In this Business Day article, Morné Bezuidenhout explains how you can maximise your assets with these smart tips for the end of the financial year....
10 Feb Section 12J: tax-effective investments with community upside
Section 12J tax-effective investments come into sharp focus near the end of the tax year as a way of reducing your tax liability....
05 Feb Planning for the possibility of being diagnosed with dementia
Posted at 15:02h in Financial planning and advice
Nearly 10 million cases of dementia are diagnosed globally each year; adding this possibility to your financial planning thinking is something to consider....
23 Jan Getting married: tying the financial knot, too
Posted at 14:04h in Financial planning and advice
Between ordering champagne and debating the merits of phyllo vs. puff pastry canapés, it's easy to forget that marriage also involves long-term financial implications. ...
19 Mar The right time to retire
Posted at 09:41h in Retirement
With the changing nature of work and 21st century life expectancy, post-retirement careers are not only possible, they are hugely beneficial. ...
13 Feb The advantages of a balanced fund
Posted at 08:30h in Investments
At Netto Invest we advocate using balanced (also known as multi-asset) funds as core building blocks in our portfolios. ...
16 Jan After Christmas is the time to talk turkey
Posted at 10:03h in Financial planning and advice
Proactively talking to your parents about their financial wellbeing when they reach retirement is a good idea for you and them. ...
28 Nov 7 key estate planning questions to ask yourself
It’s not just the Boy Scouts who need to be prepared! When it comes to our estates a little preparation can go a long way....
12 Nov Living abroad – should you emigrate formally or informally?
As more South Africans consider living overseas, it’s a good idea to be aware of the differences between informal and formal emigration. ...
05 Nov Unit trusts 101: the distribution of income and tax implications
Investors in a collective investment share the risks and benefits in proportion to their holdings. Morné Bezuidenhout discusses this in Business Day. ...
30 Oct Planning for the known and the unknown
Posted at 08:41h in Financial planning and advice
Long-term planning is essential for survival and the very nature of a long-term plan should include provisions for unknowns. ...
15 Sep Investment vehicle guidelines
Setting your financial goals and understanding which investment vehicles are appropriate to help you reach them, will make your choices easier. ...
28 Aug How to stop your living annuity coming to an end before you do
Morné Bezuidenhout discusses how retirees make the mistake of adjusting income drawdowns to inflation instead of to investment returns. ...
25 Jun Updating financial exit strategy key after tax changes in budget
Ask your financial planner or advisor for a review after Treasury’s increase in estate duty and the VAT rate. Morné Bezuidenhout explains why. ...
23 Apr Solid strategy key to staying the course and avoiding bad choices
Many investors jump into the market when they should be getting out and vice-versa. Morné Bezuidenhout explains why. ...
12 Feb Strategising for drawing an income in your retirement years
Research shows that a diversified portfolio targeting a specific rate of return gives the best results. Morné Bezuidenhout explains why. ...
01 Feb Are South African shares really local investments?
Companies listed on the JSE that derive the bulk of their earnings offshore might give you more exposure to offshore markets than you think....
20 Nov Concentrated market makes it risky to track JSE indices exactly
The large weighting of Naspers defeats passive strategy’s aim of limiting exposure to any stock. Morné Bezuidenhout explains why. ...
11 Sep What you need to know and do if you are facing retrenchment
Getting professional financial advice to help you sift through your options will pay off. Morné Bezuidenhout explains why. ...
24 Jul How to invest offshore to reduce risk and expand opportunities
Morné Bezuidenhout explains why the choice of a rand-denominated unit trust fund or a direct investment depends on the investor’s needs. ...
25 Jun Well-chosen endowments can reduce tax on your investments
With the trend to higher taxes, planning your finances effectively is key. Morné Bezuidenhout talks tax advantages for endowments. ...
01 Dec Facing death planning
Too few South Africans draft a will or ensure that sufficient assets and policies are in place to care for their loved ones, explains Richard...
03 Sep 10 ways to spring clean your finances
Posted at 10:27h in Financial planning and advice
In South Africa spring arrives just before the big Christmas spending season. What better time to get a handle on your finances each year? ...
17 Aug Offshore investments in South Africa: how do they actually work?
Posted at 08:29h in Offshore investing
You can obtain exposure to overseas investment markets in two ways, namely, via asset swap funds and via direct offshore investments. ...
10 Aug Financial markets are rocketing – are you ‘phased’?
Posted at 08:29h in Investments
'Phasing-in' sees you investing over multiple months. It's is a prudent approach when investing large sums into 'fully priced' financial markets. ...
03 Aug How to avoid retirement funding regrets
In South Africa, six out of every 10 retirement fund members retire on less than 30% of their preretirement income. ...
23 Mar Make the most of your money
Managing money: it’s something we all do, and often on a daily basis, but how can ordinary folks maximise their cash to create lasting wealth?...
17 Mar Small business, big challenge
Owning your own small business may be your dream, but the loss of a predictable salary isn't the only challenge of going it alone. ...
17 Feb What’s the cost of having a baby in South Africa?
Posted at 09:21h in Financial planning and advice
From ante-natal care to university and everything in between, what is the cost of having a child these days? ...
23 Jan Personal budget balancing act
Have you gone over budget this festive season? You are not alone. Try these tips to help get you through January. ...
17 Dec The rands of time: invest your year-end bonus
Wondering whether to invest your year-end bonus? Well, what if there was a way it could start generating bonuses of its own? ...
18 Sep How to invest R500 per month risk-free
In this Good Housekeeping article (October 2014), Debbie Netto advises on how best to invest R500 per month. ...
01 Sep What is the effect of dying intestate in South Africa?
Are you aware of what happens when you die unexpectedly and unprepared in South Africa without a will? Take a look. ...
30 Jul Joint financial planning with women in mind
Women are living eight to ten years longer than their husbands, so insist on joint financial planning and be involved in every stage. ...
03 Jun Retirement planning and inflation in South Africa
Inflation is most investors' number one enemy as it can erode wealth over time. Avoid the downwards spiral effect of ongoing inflation. ...
27 May Estate planning: how to ensure that your heirs (and not the taxman) benefit from your estate
Estate planning helps you avoid bequeathing a portion of your hard-earned cash to the taxman when you die. ...
20 Feb Hi Mom & Dad, I’m back! The boomerang generation
Unemployment is the decisive factor causing young adults to move back home and rising property prices aren't helping the situation. ...
15 Jan Moving assets to a family trust – South Africa
What are the important considerations when moving assets into trust? Netto Invest partner Ian Beere was asked to advise....
14 Jan Come-back kids cause a boomerang-generation headache for parents
Meet the ‘boomerang generation’ – young adults in their 20s and early 30s living with their parents. There might even be one on your couch....
13 Jan Love your bank balance: Building financial wealth
Posted at 14:44h in Financial planning and advice
Money can’t buy happiness but a lack of it can certainly contribute to making you unhappy. Create a wealthier relationship with your finances. ...
15 Apr Offshore investing 101 – South Africa
Why should you consider offshore investing and would offshore investing yield better results than the JSE? There are pros and cons. ...
19 Mar Self-employed retirement plans: Tips to secure your future
Many self-employed entrepreneurs are so consumed with running their businesses that they delay thinking about retirement options. ...
19 Mar Annual bonus – what spending it is REALLY costing you
Why save your annual bonus? Where’s the harm in spending it this time and saving next year’s annual bonus instead? ...
13 Feb Personal Finance Boot Camp
Morné Bezuidenhout gives financial advice on the steps to take to achieve specific retirement goals in Personal Finance's Boot Camp. ...
17 Nov Organ Donor Foundation South Africa – FAQ
Posted at 03:52h in Estate planning
Whether you're planning your estate or writing your will, it's a good time to consider becoming an organ donor. These FAQs might help. ...
17 Nov Executing an estate is a team matter
The executor is responsible for the administration of the deceased estate, but they work as part of a team to wind up an estate. ...
17 Nov About donations tax – would you give an investment as a gift?
In SA we are subject to donations tax, so giving your money away may create a tax liability. Just giving investment gifts may create paperwork....
17 Nov Ex-pat financial planning – QROPS
What you need to know about your UK pension and QROPS as a British expatriate living in South Africa. ...
17 Nov Six-step financial planning process
The globally accepted six-step financial planning process must be followed to ensure that you receive sound financial planning advice....
17 Nov Financial security — plan for it
Posted at 03:10h in Financial planning and advice
When it comes to financial security, it's important to have a plan. As the old saying goes, failing to plan is like planning to fail....
17 Nov Providing for your family
Posted at 03:08h in Financial planning and advice
A financial planner must confront a client about their mortality, because the consequences of not doing so could be devastating to their family. ...
17 Nov Dread disease life insurance – be cautious
Posted at 03:06h in Insurance
The exact scope and comprehensiveness of critical illness cover offered by long-term insurers has become confusing. ...
17 Nov Financial planning for young professionals
Posted at 02:56h in Financial planning and advice
Although we see many encouraging trends in our dealings with young professionals, there are still some dangers that need to be kept in check. ...
17 Nov Financial advice: is it worth it?
Posted at 02:55h in Financial planning and advice
The financial world has become more complex. Choosing financial products and service providers is no longer a simple task. ...
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