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The Wealth Perspective - First Quarter 2019

08 April 2019

The Wealth Perspective - First Quarter 2019

Welcome to the latest edition of the Wealth Perspective

In this edition of The Wealth Perspective, Chief Investment Officer Adriaan Pask points out that there are no quick fixes to achieving financial freedom, and I examine how investors can make better decisions to ensure they reach their objectives. Head of Estate and Trust Services, Willie Fourie, considers how best to pass on financial freedom in your will and Jan van der Merwe, Head of Actuarial and Product, explains how different financial products can help you construct a plan that suits your needs. Lastly, Shreekanth Sing, Technical Legal Adviser, explains how employee benefits add to your staff’s ability to live financially free.

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Welcome to the latest edition of the Wealth Perspective

Marilize Lansdell

Most of us would say that we want to be financially free. Despite this, few of us are. With National Freedom Day just around the corner, we consider what it takes to become, and remain, financially free.

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A word from our CIO

Adriaan Pask

Reach financial freedom the SMART way, not quickly

How do you define financial freedom? Whatever definition you choose, one thing is certain – financial freedom is not a short-term goal. To reach your financial goals, you need commitment, dedication and a clear vision. It might seem simple, but in truth, it can be incredibly daunting – especially when volatile market conditions make headlines. So, how do you ensure your financial vision becomes a reality?

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Industry views

Marilize Lansdell

Decision-making and financial freedom

Those who attain financial freedom usually work hard to get there. While financially free parents can bestow financial independence on their children, research shows that 70% of these families lose their wealth by the second generation and 90% by the third. These statistics make it clear that you need to make a choice to attain – and maintain – financial freedom. It doesn’t happen by accident.

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Estate matters

Willie Fourie

Financial freedom and planning your estate

A Google search of ‘financial freedom’ yields many different definitions. Whatever your own view, a more important question is: “What is the longevity of that freedom?” Does financial freedom end when you depart this world, or do you pass on the benefits of your hard-fought financial freedom to your children and grandchildren? And if you choose to pass them on, do you hand over ownership in full, with no strings attached, or do you put structures in place to ensure an orderly management and use of that wealth?

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Quarterly insight

Jan Van Der Merwe

A grasp of product basics can help you achieve financial freedom

There are no shortcuts to achieving financial freedom. To get there, you need to live within your means and save diligently. Financial products in themselves do not pave the way to financial freedom, but rather, they provide the means (tools) to achieve financial freedom by helping you to accumulate and preserve wealth.

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Employee Benefits Insight

Shreekanth Sing

How your employee benefits can contribute to your employees’ financial freedom

An employee benefits (EB) offering can contribute to your staff’s ability to attain financial freedom. The offering helps not only to ensure that employees are saving regularly towards retirement, but also that they and their families have medical and risk benefits in place to help manage life’s unexpected twists and turns.

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