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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.

55 and over

A number of significant changes occur in this period. Some of us retire formally and some continue working into their 70’s. We may be winding back and working part-time, helping kids get established, looking after ageing parents, paying for weddings or selling a business.

We may think it is too late to boost the retirement nest-egg, but in most cases we are wrong. With expert advice and assistance, there is so much that can be done to help you get the most out of life. 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 reduces this income earning potential. Various insurance options are available.

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.

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 should 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 to 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.