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Monday, January 18, 2016 - 17:35
Expert advice crucial

In the uncertain and volatile world in which we live, protecting one’s wealth, growing it and finding security and peace of mind often seem to pose significant challenges, especially when it comes to retirement and...

Monday, November 30, 2015 - 03:16
Trustees face headwinds

Structural changes to the global investment environment require retirement funds to adopt far more stringent governance procedures and risk management practices, as the industry becomes much more complex, says Bart...

Monday, November 30, 2015 - 03:16
Five concepts

As soon as you earn a salary you are responsible for your finances, but the art of crafting a successful financial life does not come with a manual. You may learn a few tricks in school or university, or pick up some tips from parents or co-...

Monday, November 30, 2015 - 03:16
One lump or…

The decision to invest a lump sum is generally the product of an extended period of saving, and investors take pride in their nest egg. Being human, investors tend to keep a close eye on their new investments in the first year, hoping that the...

Monday, November 30, 2015 - 03:16
Work longer, live longer

A study by the American Psychological Association (APA) reveals that those who postpone retirement enjoy better physical and mental health than those who don’t.
Besides the obvious financial benefits of earning more and delaying drawing down...

Saturday, November 28, 2015 - 08:15
FSB milestone

The FSB approved the first collective investment schemes in hedge funds with effect from 27th November 2015. The schemes, one a Qualified Investor Hedge Fund (QIHF) and the other a Retail Investor Hedge Fund (RIHF), are registered under the...

Friday, November 27, 2015 - 09:01
Where’s the relief

Taxpayers are often unaware of their VAT registration liabilities, which can result in a retrospective VAT registration. “This regularly leads to a liability for output tax on supplies made as amounts charged are generally deemed to be VAT...

Friday, November 27, 2015 - 08:59
Mix and match

“When investing, it is imperative to match your investment strategy with your investment horizon,” says Mike Browne of Seed Investments. “Investors who are able to match these two (and who can refrain from acting on emotion in the interim) will...

Friday, November 27, 2015 - 08:53
Sick rate issue

Programmes to assist employers in curbing sick absenteeism have proved successful, with some Alexander Forbes Health clients reporting savings of up to 33% man-days per year.  This equates to a saving of one day for every three days taken....

Friday, November 27, 2015 - 08:30
Laws of erosion

The deductions allowed under the Income Tax Act and the Maintenance Act are tax and maintenance orders. The Pension Funds Act allows a retirement fund to make the following deductions from the pension benefits of a member, after tax has been...

Friday, November 27, 2015 - 03:16
Day-to-day value

Global markets have been volatile since the beginning of 2015 due to question marks over the likely timing of the first US interest rate hike and various geo-political issues. While these factors could continue to...

Thursday, November 26, 2015 - 14:38
Phased anti-pollution

The National Treasury published the Draft Carbon Tax Bill (the Draft Bill) on 2nd November 2015. According to Bowman Gilfillan Africa Group's Head of Public Law and Regulatory, Claire Tucker, "The introduction of a carbon tax has been...

Thursday, November 26, 2015 - 14:31
Top priority fight

According to estimates by the Healthcare Forensic Management Unit (HFMU) of the Board of Healthcare Funders of Southern Africa (BHF), at least 7% of all medical aid claims in South Africa are fraudulent and the figure...

Thursday, November 26, 2015 - 11:25
Rights scarcely mentioned

Consumers will be the losers if the Financial Sector Regulation Bill (FSRB) is enacted and parliament should demand a socio economic impact assessment (SEIA) before this bill goes any further. This is the message from the Free Market Foundation (...

Thursday, November 26, 2015 - 03:16
New solutions for a multi-pronged approach

Demographics play a crucial role in global macro-economics in its entirety – across inflation, GDP growth, debt, asset prices and pensions. “This is because demographics is all about consumers and workers, not just...

Wednesday, November 25, 2015 - 03:16
Accepting the inevitable

Every day we hear about new data breaches or data losses, with high profile cases bringing data security into the mainstream news agenda. “There is no denying that the role of today’s Chief Information Office (CIO) is...

Tuesday, November 24, 2015 - 03:16
Germ of an idea

The release of the report The State of the World’s Antibiotics, 2015 by the Centre for Disease Dynamics, Economics & Policy (CDDEP) shows that South Africa’s growing use of antibiotics could lead to increased...

Monday, November 23, 2015 - 03:16
Tales of rice and rewards

We often talk about the value of time in investing, but it is difficult to get to grips with the rewards that can be reaped through compound growth: earning interest today on interest earned yesterday, and so forth....

Monday, November 23, 2015 - 03:16
Shedding light

As one of the custodians of the insurance industry, the SA Insurance Crime Bureau (SAICB) has highlighted some key crime trends which have had a direct impact on insurance claims costs and frequency, ahead of the...

Friday, November 20, 2015 - 03:16
Castle wall for a purpose

It is the time of year for annual trustee meetings and reviews. “It is no surprise, in light of the Davis Tax Committee’s report, that every client I have met with to date has asked the question: Should I keep my trust in place or terminate it...

Thursday, November 19, 2015 - 03:16
At the front line

Leaders need to inspire frontline health workers to drive quality improvement in hospitals

It is essential that frontline healthcare staff such as doctors and nurses are empowered to take ownership for...

Thursday, November 19, 2015 - 03:16
Altogether now…

Serious shortage of doctors

A “Marshall Plan” is needed to increase the number of doctors if the country’s healthcare system was to remain sustainable, said executive government and stakeholder relations at Medi-Clinic, Dr Nkaki Matlala....

Wednesday, November 18, 2015 - 03:16
Weather or not…

In recent years, there has been a rise in inconsistent weather patterns that have negatively affected both consumers and businesses globally. The Southern African Development Community (SADC) has not been exempt from...

Tuesday, November 17, 2015 - 03:16
Fair exchange…

Certain deductions in favour of the employer can be made from your employees’ retirement savings when they retire or resign.

Explains Hettie Joubert, Head: Retirement fund governance at MMI Investments...

Monday, November 16, 2015 - 03:16
The tools of modern finance

“We agree with the consensus sentiment that investing in equities is one of the simplest and best solutions for maximising returns over the long term. Moreover, risk of capital losses reduces as time goes by,” Selwyn...

Friday, November 13, 2015 - 03:16
A bonus case

A person seeking to obtain, renew or change insurance has an obligation to disclose all information material to the assessment of the risk that an insurer is being asked to take on.

One may ask: "What is...

Thursday, November 12, 2015 - 03:16
End of the cycle?

Since 1997 the performance of “value” has been cyclical. But over the very long term value as an investment style has still outperformed the “growth style” of investing. This means that when value outperforms, it does...

Wednesday, November 11, 2015 - 03:16
Proposal errors

Proposals contained in the Tax Administration Laws Amendment Bill of 2015 would dramatically decrease the amount of time in which the Commissioner is permitted to issue a reduced tax assessment.

“As...

Tuesday, November 10, 2015 - 03:16
Responsibility for all

Individuals who save for retirement through pension funds or retirement annuities (RAs) have a responsibility to ensure their investments are compliant with Regulation 28, the limits of which apply to both the fund...

Monday, November 9, 2015 - 03:16
Struggling to innovate

While insurance executives overwhelmingly know that innovation will drive future competitive advantage and growth, most seem to be struggling to kindle the spark within their organisation, finds a KPMG International...

Monday, November 9, 2015 - 03:16
Time to adapt is now

While insurers and brokers have successfully adapted to disruption in the past, the challenges facing the industry are far from over. More than two-fifths (41%) of delegates at the Innovation & Disruption...

Friday, November 6, 2015 - 03:16
Vehicle insurance needs

Hollard has recently been added to LiquidCapital’s panel of aggregated insurers for vehicle insurance and specified home cover.

LiquidCapital provides “branded financial services solutions in the motor...

Thursday, November 5, 2015 - 03:16
Looming doubt

Most South African medical professionals are still doubtful over the implementation of the proposed National Health Insurance (NHI) scheme into the South African healthcare system. According to a survey conducted by...

Wednesday, November 4, 2015 - 03:16
Private initiative

The South African venture capital industry now represents almost R2 billion in assets under management, with healthy confidence levels that are commensurate with reported rising deal activity, a pleasing exits record...

Tuesday, November 3, 2015 - 03:16
Responsible idea

The Johannesburg Stock Exchange, Africa’s leading exchange, launched its new index series, the FTSE/JSE Responsible Investment Index Series, in partnership with FTSE Russell. The new index series replaces the JSE’s...

Monday, November 2, 2015 - 03:16
No quick fix

The most recent BankservAfrica Economic Transaction Index (BETI) indicates that economic activity over the short term is in retreat, despite still being positive when compared to a year ago.

This latest...

Monday, November 2, 2015 - 03:16
Imperial move

The Hollard Insurance Group, South Africa’s largest independent insurance group, together with its umbrella holding company, has agreed to acquire the Regent Group (comprising Regent Life and Regent Insurance) from...