acsis financial planning club

We all dream of being financially secure and independent. But sadly for many, this dream is seldom realised as we don’t have enough financial knowledge and skills to make informed decisions and take appropriate actions.

The reality is that a large proportion of South Africans are not sufficiently educated on financial matters. This lack of financial knowledge is one of the main contributing factors to our poor savings culture, and has led to the majority of people not being financially secure during their retirement.

Educational programmes and initiatives therefore need to be directed at helping people to understand the importance of saving and taking control of their financial well-being.  Both acsis and Personal Finance have recognised this need and through the financial planning club, have made a commitment to educate people on finances, investments, behavioural finance and the importance of holistic financial planning.

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April 2012

financial planning from the cradle to the grave

While not exactly predictable, the more traditional life cycle stages tend to follow a pattern. It generally starts with getting your first real job and moves to tying the knot and building a family, and once the children have ‘flown the nest’, priorities begin to change for retirement. These transitions often spark a need to look closely at your finances. However, there are also those circumstances that you cannot always predict: divorce, changing jobs or receiving a windfall or an inheritance.... For more information, click here
May 2012

May: how do the recent tax changes affect the retirement environment?

Retirement annuities, referred to simply as RAs, have come a long way in recent years both in terms of tax advantages and product structure from the days of the initial contractual life assurance products, which have been the cause of widespread discontent. ... For more information, click here
June 2012

June: investing in a low return environment: are your expectations realistic & is your financial plan on track?

The current economic and market conditions all indicate that  future investment returns are likely to be lower over the next decade. As a result, you need to adjust your expectations for future returns. This presentation will review the performance of the main asset classes and give a long-term outlook. In addition, it will highlight how this may affect your financial plan. ... For more information, click here