#Knowledge Library

SARS changes PAYE rules for Pensioners

Tax amendment for Pensioners with more than one source of income.

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Are your investments bearing fruit?

How to benefit from the higher yields being delivered by certain asset classes.

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View from the Chair – Proficio 2022 Issue 3

Finding opportunities during volatile markets.

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Understanding the retirement reform two-pot system

How will the proposed legislation impact your retirement savings?

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The market has crashed. Now what?

Why you need to sit tight and let the market recover.

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View from the Chair – Proficio 2022 Issue 2

With half of 2022 in our rear-view Mike, in his View from the Chair, guides us on how to keep our eyes on the long term prize despite the bumpy ride.

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Keeping your head in times of crisis

Maintaining a state of calm during challenging, uncertain and volatile times, will stand you in good stead to capitalise on opportunities when they arise

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The perfect storm – surges in the cost of living and inflation prompt higher interest rates

Buckle up for the bumpy ride ahead

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Why your family’s estate planning is an important part of your financial plan

If you wish to preserve and protect your assets for the benefit of subsequent generations, make estate planning your priority.

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Have you saved enough to retire comfortably?

It’s never too late to start saving for your retirement. Irrespective of how late you are starting.

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Investing mistakes that the wealthy don’t make

While there is no secret investing formula that high-net-worth individuals employ, particular insights can be gained by studying how they approach their investments. So, what do they do, and more importantly, what do they not do?

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Is holding funds in a foreign bank account an investment strategy worth considering?

While a foreign bank account will help diversify overall portfolio risk, the poor return creates a need to search for an alternative.

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Do women really invest differently to men? And does it matter…?

Either way, most still lack confidence in their investment knowledge.

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Tax free savings accounts vs retirement annuities?

The reality is that the two are different savings vehicles with different tax treatments so it’s important to understand how they compare.

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Budget 2022: SA takes a step back from the fiscal cliff but risks remain

There is cautious optimism that South Africa’s fiscal picture is improving after Finance Minister Enoch Godongwana delivered his maiden budget speech on Wednesday.

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Budget Speech 2022: How the government planned to stimulate sustainable growth

Our Private Wealth Managers unpack the detail of the 2022 Budget Speech and its implications for you.

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The importance of having a valid and updated will

Ensuring that your will is valid and updated will significantly reduce the emotional toll and stress that your beneficiaries experience in the event of your untimely passing.

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Emigration and access to retirement annuities and preservation funds

A significant change in legislation will now require you to be a non-resident for South African tax purposes for at least three years before being granted early access to your retirement annuities or preservation funds.

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View from the Chair – Proficio 2022 Issue 1

By taking the time to recalibrate and re-examine the purpose behind the things we do, we can better focus on those things that truly add value

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Finance minister likely to focus on better than expected state finances

Minister Godongwana will deliver South Africa’s Budget Speech on 23 February 2022. These are the important issues he is likely to address.

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