The end of February sees an end to another tax year. In this newsletter, we remind our clients that the current tax year is almost coming to an end, and as such the benefits of topping up or starting a Retirement Annuity will be discussed. We’ll also review the structure and the long-term benefits of […]
Don’t just plan for retirement, Plan for a long life Those in the retirement industry bemoan the fact that South Africans are poor savers and are often one emergency away from trashing what savings they have. A survey shows that just one in three ‘baby boomers’ has any form of formal retirement saving. There are […]
Starting your retirement savings is as much a mental battle as it is a financial one. Our excuses are our biggest barriers to saving “I don’t have enough money” “I prefer to live for today. “ Whatever your excuse is for not saving for retirement, you may very well find that you are stuck in […]
It has been a good few years for cash. As shown in Graph 1, over the past three years cash (i.e. highly liquid assets, like money market funds and fixed-interest assets, such as Treasury bills) has delivered decent returns, when compared to equities and bonds, with significantly less volatility amid ongoing global uncertainty. This has been […]
Every decade brings its own financial challenges, here’s how you can plan for them. Every decade of your life brings fresh challenges, and as your experience, education, and expertise increases over the years of working, so too should your income. As such, the financial goals of your twenties, when you’re finishing up your studies and […]
Financial Planning is an ongoing process to help you make sensible decisions about your money, and the journey begins with helping you communicate the things that are important to you, whether they be aspirational or material. Many people contact SALVO CAPITAL because they know they need independent financial advice but are not sure where to […]
When you consider the biggest risk to your wealth – Every investor would have heard of equity and listed property referred to as ‘risk assets’. They would also have seen a graph which shows the relative risk of different asset classes, with cash at the bottom as the ‘lowest risk’ and equity at the top […]
