Co-payment
This is the portion of any medical expense for which you are liable. The amount varies from one scheme to the next and between options.
South Africa’s healthcare landscape is divided between a public and private- sector.
Your retirement hinges on an asset manager’s ability to balance risk and return
Every gain or loss reflected on your retirement annuity or unit trust fund statement is underpinned by an asset management philosophy.
Millions of South Africans- supplement their employer-linked pension funds via additional contributions to retirement annuities and unit trusts.
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/ 28 October 2011
This year will go down in history as a year of extreme stock market volatility.
Ask a stakeholder in the retirement provisioning space how much you should contribute to your retirement fund and they’ll probably say 15%.
Investors quickly forget about the losses they suffered in the previous stock market crash.
Options are abound for investors looking to save, writes <b>Gareth Stokes</b>.
People struggle to save because of easy withdrawal rules.
South Africans aren’t saving enough and the situation is not getting better.
When it comes to short-term savings it seems our voracious consumption culture has confined ‘saving for a rainy day’ to history.
July 2011 National Savings month serves as a reminder to us all to review our financial plans and afford savings the priority it deserves.
You must save for short-term emergencies and ‘big ticket’ items such as household appliances and holidays.
There is no such thing as "get rich quick".
Over the past decade, banks and life insurers have created a range of products for the low-income market.
Wealth managers will have their work cut out to protect their investments from the ravages of spiralling Euro-zone debt.ga
Saving is all about discipline and people spending less than they earn.
Tally up your assets and personal goods and purchase the necessary insurance cover to protect these items from all risks.
Private investors find protection from their ‘fear and greed’ investment responses in the asset allocation fund space.
As more investor cash flows in, the choice of asset manager becomes critical.
<b>Gareth Stokes</b> asked some of the country’s top investment professionals about strategies to protect wealth.
<b>Gareth Stokes</b> looks at ways to ensure you get the best mix of price, cover and benefit from your motor insurer.
Smart investors are going overseas to benefit from potential rand weakness.
As the days get colder, it’s time for electricity to join the likes of cards.
The South African Reserve Bank Quarterly Bulletin (March 2011) reveals that the country’s gross household savings rate is a mere 1.5% of GDP.
Estimates from experts in the retirement fund industry suggest only 6% of people will retire with enough savings.
Can you get by on R1140 per month?
Moving some of your investment capital offshore is an important step in the portfolio diversification process.
South Africans were late entrants to the local versus offshore investment debate.
Investors who rushed offshore when the rand collapsed late 2000 early 2001 have endured dismal returns.
The best way to maximise long-term investment returns is to get the mix of assets correct.