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Your wealth in good company

Wealth is not only created by investing your savings but also by limiting the loss of money due to a lack of experience, time, knowledge and proper financial advice. Save yourself valuable time by allowing the team at Delfin to share with you our experience, knowledge and approach to understandable and transparent financial advice.


35 and over

Life has taken on a more set pattern as you may be consolidating your career, managing the kids routine of school and extra-mural activities and generally not finding much time for anything else.

Demands from family relationships increase and you realise that you need to give more attention to your health. It is however a very productive stage of your life and proper financial planning now, can add tremendous value to your future.

Planning to manage all your responsibilities must be balanced against proper time for relaxation and also having fun. You need a partner who is objective and has the knowledge and experience to help you make the right decisions.

Some of the things you would want to know and what Delfin can help you with:

What happens if I suddenly can’t earn an income anymore? Who will take care of me financially?

One of your biggest assets is your ability to earn a living and it is essential that you protect yourself against major traumatic events that reduce this income earning potential. Various insurance options are available.

Does it really make a difference saving R500 a month?

Time and compound growth makes a remarkable difference over the long term This is simply growth upon growth... earning interest on interest. So the sooner you start saving or investing even a small amount of money, the more you benefit from having more years of receiving growth on your investment.

Consider the difference in the final value of a R500 per month investment at age 65, when starting at different ages:

Age at start: Total contributions: Value at age 65:
25 R240,000 R3,162,040
35 R180,000 R1,130,244
45 R120,000 R   379,684

* Investment growth @ 10% per year

Use the wealth calculator by entering your own monthly investment contribution, growth rate and investment period.

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Can my family sustain their current lifestyle if something should happen to me?

Death or permanent disability will severely impact on the financial well-being of your family. Why leave them in this unfortunate situation? Insurance against such permanent events is the obvious answer to save you and your family from financial ruin.

Should I buy or rent my home?

This is always worth exploring and different answers will arise for different people at different times in their life.

How do I ensure that my children will have access to an education?

Giving your children the opportunity of proper education is the gift of self-sustainability. It substantially increases their chances of looking after themselves financially as adults one day. By starting an investment plan to afford their tertiary education is the right thing to do.

What should I know about my company’s employee benefits?

It is important to understand what your employers offer you as part of your remuneration package, as this will enable you to make adjustments to your personal insurance and investment portfolios.

Do I have the correct structures in place to execute my wishes at death?

Do I need a Will if I die? Do I need a Trust? Can I create a family trust in my Will? Who will be the executor of my estate so that my assets will be divided amongst my beneficiaries as I stipulated in the Will? How can I reduce estate duty taxation?

How do I avoid and not evade tax?

Use the available investment vehicles that can reduce your income tax. Are you aware of all the deductions that are available to you?

What is retirement all about?

How much do I need for retirement? When can I retire and how can I calculate my income needs versus provision? What income sources will I have? What will I do after retirement? How can I plan to have a business?

How do I provide for healthcare costs post retirement?

Medical costs escalate above the rate of inflation. Build up a seperate fund to pay for medical aid contributions or make sure your planned retirement income takes this into account.

What is the difference between a share portfolio and an equity fund?

A share portfolio is a number of shares that you own in companies that is normally traded on the Johannesburg (or other international) Stock Exchange (also known as JSE). You become a shareholder (co-owner) of that company by buying the companies’ shares. The company therefore works for you and normally pays you dividends (tax-free) every year as income to you. You can sell or buy more of the shares depending on the valuation you place on the company. The share price can go up or down, but normally increases over a longer period.

By investing in an equity fund you buy units of that fund. The fund manager takes all the investors money and buys the shares of different companies after analysing the companies' track records and performances. That way you indirectly “own” the shares in the companies via the units that you have in the fund.

The units are priced every day and can be traded (bought and sold) on any business day. The unit price can go up or down, but normally increases over a longer period.

How do I pay for advice?

How you pay will be determined by the services you require, and may include the following:

- Financial planning and consultation fees for which an invoice is issued.

- Investment advice fees on investments that are made through us.

- Commission on certain insurance policies that are implemented through us.

You will always be told what fees you will pay or how much commission we may earn before you are asked to make a decision.