RFAdvice

SA investors haven't been fully compensated for the risks of holding Rand-denominated assets over the past 10 years as higher local interest rates haven’t offset currency depreciation. Depending on economic outlooks, investors may consider different asset mixes. FSP No. 47692

The Rand's weakened by 43% against the USD over the past 10 y with an AVG annual depreciation of 6.1%. This highlights the importance of diversifying offshore. By understanding long-term currency behaviour & adjusting, investors can make informed decisions to safeguard wealth.

Interest Rate Reduction Offers Relief to Indebted Consumers – Consumers burdened by debt may feel relief with the news of a 25 basis point reduction in the interest rate. This adjustment lowers the repo rate to 8%, which means the base home loan rate is expected to drop to 11.5%.

Want to invest offshore? SA residents can send up to R1 m abroad p/year using their Single Discretionary Allowance (SDA) & an extra R10 m with an Approved International Transfer (AIT) PIN from SARS. To move more, get extra SARS approval. E [email protected] for more FSP No. 47692

If future you wants a comfortable lifestyle, it's time to take action! 🌟 An RA offers tax-free returns & reduces taxable income with every contribution. 🌟 With tax-free returns, a TFSA is an excellent choice for those already paying income or capital gains tax. FSP No. 47692

Start saving today with a dedicated holiday savings account. This account helps you set aside funds specifically for your next getaway, ensuring you can relax and enjoy your time off without financial stress. Plus it's easy access to funds when you need them. FSP No. 47692

Keep your retirement savings intact & growing even if you change jobs! A #preservationfund ensures hard-earned retirement savings are preserved & continue to grow. Plus enjoy flexibility to transfer funds if needed. We can assist: Email [email protected] FSP No. 47692

Geyser insurance: an add-on you probably never think about unless you’ve had geyser issues. Repairing/replacing them can be costly, making it wise to include coverage in your home insurance plan. Damage expenses can escalate quickly. Email [email protected] – FSP No. 47692

Accidental damage insurance is a shield against loss or damage that isn’t covered by your regular insurance policy. Rather than replacing other policies, it's a supplementary layer of protection. 🛡️ Email [email protected] for more info, customised cover & quotes. FSP No. 47692

If you’re a frequent driver, unexpected car troubles can put a real damper on your day. That's why having the right insurance add-ons is key! 🛞 Tyre & Rim Cover ⚡ Scratch & Dent 📧 [email protected] for customised cover & quotes. FSP No. 47692 #shortterminsurance #rfadvice

Don't Let Small Bumps & Mishaps Turn into Big Bills. We can help you add valuable short-term insurance options to your existing cover. 🛞 ⚡ 💥 🔧 🚘 Email [email protected] for customised cover and quotes. FSP No. 47692 #shortterminsurance #registeredfinancialadvice #rfadvice

For Employees: 💰 Financial Security 💰 Tax Benefits 💰 Investment Growth 💰 Compulsory Savings Discipline. For Employers: 💪 Attract & Retain Talent 💪 Enhanced Morale & Productivity 💪 Reduced Employee Turnover 💪 Corporate Social Responsibility. [email protected] FSP No. 47692

Calling all HR specialists. We can assist with medical aid plans at competitive prices / affordable health insurance solutions to keep your employees healthy and happy 🩺 Get in touch to discuss your group benefits needs. [email protected] today. FSP No. 47692 #rfadvice

Safeguarding employees’ financial security is important. We can help you put group risk cover in place to ensure your team is protected in times of need. Get in touch to discuss your group benefits needs. Email [email protected] today. FSP No. 47692 #rfadvice #southafrica

Here's Heindrich Du Rand, winner of the magnum #KanonkopWineEstate Red Wines. Congrats again and thank you for the referrals. With your help, we are able to share our expertise to bring financial peace of mind and help people reach their goals. FSP No. 47692 #RFAdvice

✉️ Get a stack of envelopes. Number them from 1 to 100. 💵 Select 1 daily (in sequence / at random). Deposit amount written on front. 🤩 By the end you’ll have saved R5 050. Tip: Earn interest by depositing the money into a savings account. 🌱 Source: 22SEVEN.

E.g. if you pay R753 for petrol, round it up to R760 & transfer the R7 to your savings account. Tip: Use 22seven to check your purchases and work out the total amount to transfer to your savings account. Info Source: 22SEVEN RFAdvice FSP No. 47692 #financialplanning #rfadvice

It’s time to prep food at home & delete those food delivery apps / take a break from dining out! Other / extra ways to save 🔹 Find free activities 🔹 Cut back on entertainment costs. FSP No. 4769#registeredfinancialadvice #rfadvice

Congrats to Our Refer & Win Competition Winners! 1. Heindrich Du Rand – 2 x 1.5 L Magnum @KanonkopEstate Red Wines Valued @ R2 500 🍷🍷 2. Andrea Van Greunen – Hotel Stay at @blaauwbergbeachhotel Valued @ R3 000 🏖️ 3. Dawie Maritz – Whole Lamb Valued @ R2 500. 🍖 FSP No. 47692

On a more serious note: do you have a plan in place if something gets in the way of you & your income? Whether you have dependants or important debit orders, you probably need to put #IncomeProtection in place. Email [email protected] to make sure you’re covered. FSP No. 47692