Is your jewellery covered?
In order to get full cover for expensive jewellery like a wedding ring or engagement ring, this will need to be specified under the All Risks cover of your personal policy. If the jewelry has not been specified, and in the event that there is a break-in at your property, then the Insurer will pay for the replacement of the jewelry under the contents claim. However, up to a certain limit is stipulated by the Insurer and the claimant may not enjoy full cover. Please note that t
NEW TAX FREE AMOUNT R36 000
The annual cap on contributions to tax-free investments has been increased from R33 000 to R36 000 from 1 March 2020 with the lifetime limit remaining at R500 000. Refer to link for more information from the 2020 Budget speech as summarised by Allan Gray. https://www.allangray.co.za/latest-insights/personal-investing/2020-budget-speech-update/ Contact us below: Phone: 011 803 9686 Email: viv@pbafsa.co.za https://www.pbafsa.co.za/ https://www.pbafsa.co.za/contact-us
RA’s and starting somewhere from as little as R300 or R350 per month
Your decision to start saving and investing for your retirement is possibly one of the most important you’ll ever make. One of the main risks retirees face is outliving their retirement savings. Many of us will live for 30 years beyond retirement age, so we expect our retirement savings to ‘work’ for as long as we have worked. The ideal time to start saving for your retirement is with your first pay cheque. A good rule of thumb to allow you to maintain your lifestyle later
Do you know the consequence of not having a will?
Whatever the size of your personal fortune and assets owned, a will is an important aspect of an overall strategy to manage financial affairs. Yet, many South Africans – close to 70%, based on statistics available from the Master of the High Court – do not have a valid will. If a person dies without leaving a valid will, or where their will is declared partially or completely invalid, their estate will be distributed in accordance with the laws of the Intestate Succession Act
What is your most important asset and have you got it covered?
In terms of Risk cover we get many requests for assistance with Life Cover and for Disability and to a lesser extent until illustrated Dread Disease. At PBA Financial Services we do a risk analysis to assess your actual needs and always highlight your most important asset which is your income and the importance of protecting your income should you not be able to work on a temporary basis and/or a permanent basis. Imagine the peace of mind you will have; that, should you be un
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