Coetzee Gouws - Sanlam Financial Advisor
Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Coetzee Gouws - Sanlam Financial Advisor, Financial planner, 14 Mascador str, Mossel Bay.
Helping you realize your financial capabilities by leading you to be financially confident with financial advise backed by more than a 100 years of knowledge in the industry through Sanlam.
Kom on gesels oor Sanlam se Ernstige Siekte-dekking sodat jy met sekerheid kan lewe dat jou finansiële toekoms veilig is.
Maak kontak - https://www.sanlamadvice.co.za/bluestar/cbswealth/adviser/coetzee-gouws/86259334472287
What happens to my retirement fund if I get divorced? According to Statistics South Africa, in 2021 the Department of Home Affairs registered 106 499 civil marriages, 2 676 customary marriages and 2 240 civil unions. During the same year, the department registered 18 208 divorces. An issue that sometimes enjoys little attention is the division of asset...
3 tips to help you keep your credit score in check Opinion: Part of maintaining a healthy credit score involves understanding the factors that contribute to the final calculation, writes Samir Ghrib.
Old Mutual, Sanlam, and Momentum domestic equity funds compared Here’s how the domestic equity funds of Sanlam, Momentum and Old Mutual performed.
Sanlam Connect | Sanlam named Long-term Insurer of the Year Last night we were honoured at the inaugural News24 Business Awards, after receiving high satisfaction ratings from our customers.
We truly believe in confidence rule 53: If you want to win, pick a winning team. And that’s why we’re proud to release our 2022 financial results.
Despite a challenging operating environment, we continue to deliver on our promise to empower all our stakeholders to live with financial confidence.
Check your recent emojis and tell us what your goals are for 2023 👇
Something worth looking at. So many benefits...
Retirement annuities: Your questions answered If you’re new to the world of retirement fund investing and want to know more about retirement annuities, read on.
Contact me for profesional financial guidance.
Coetzee Gouws - Adviser | CBS Wealth BlueStar | Sanlam Financial Planners Western Cape I am a financial planner because I have a passion to help people get from where they are to where they can be. I help people reach their full financial potential. I am driven to assist you with financial solutions for the long term. I prefer having relationships with my clients that lasts, by not on...
Home | CBS Wealth BlueStar | Sanlam Financial Planners Western Cape We are a committed team of specialist financial planners based in Mossel Bay, Western Cape. As our client, you can always depend on our dedication to understanding your specific needs and circumstances in order to compile a unique solution for you. Our financial planners are authorised by Sanlam to....
Planning for a single retirement The retirement planning industry is mostly geared toward helping couples, which can make it more difficult for a single person to envisage and plan what retirement would look like for them.
3 ways to break the bad financial habits you have inherited When we think about our heritage, we might imagine the parts of it that include food, culture and history, however, an important aspect of our heritage that is often overlooked is how we handle our finances.
You will never be ready.....until it is too late. Take that step and contact me
How to take advantage of these tax breaks to save more towards your retirement Majority of people do not retire with enough retirement savings, and with medical advances people are living longer, which makes saving more for your retirement even more crucial.
Stop trying to time the recovery of the market The success of any resilient, all-weather portfolio lies in the waiting.
You cover your assets for the unexpected, right? What about your biggest asset? Your ability to earn an income? Why not insure that
Contact me today for Professional advice to help you insure your Life.
Coetzee Gouws - 0662319964
Keep calm and carry on investing offshore – Glacier Insights Offshore investing should not be disregarded because of volatility resulting from geopolitical events - shown to be historically kind to stock markets.
The rule of thumb if you want to save for retirement in your 20s – and if you start later in your 40s According to an article recently published in The New York Times, there is a new phenomenon gaining momentum: Disillusioned by the current state of the upside-down world, so-called financial nihilists – or those who believe there is no point in investing for tomorrow – are growing in number.
Ride it out....just ride out the volatility.
Staying invested in challenging markets – Glacier Insights With a long-term investment strategy, it’s better to remain invested throughout rough patches in the market and to reconsider once stabilised.
Introducing the Smooth Global Growth Fund We’re moving into a world with increasing market uncertainty and as South Africa’s economic and market landscape also evolves, we at Glacier Invest strongly believe that we cannot manage living annuity capital in a traditional way.
Glacier Invest Global Solutions | Offshore Portfolios Glacier Invest Global Solutions, our offshore investment portfolios, offers benefits like a dedicated portfolio manager and reduced risk. Contact us for more.
Retirement checklist: Essential considerations before formal retirement Those nearing retirement cannot afford to leave anything to chance.
Starting an emergency fund with a small amount is vital!
The current COVID-19 pandemic has shown us the importance of planning for anything that life can throw at you.
It is therefore important to start saving even a small amount as long as you start saving a portion of your money.
Before the pandemic, suggesting that you hold about 3-6 months’ worth of salaries would be seen as ideal to many people.
However, this might be unrealistic as the pandemic has increased financial pressure in many households. We need to encourage more individuals to acquire the financial knowledge and confidence to be able to minimise debt to free up income to contribute to emergency savings.
There’s a common misconception that you need a lot of money to make an emergency fund feasible.
That’s simply not true! The key message is that it’s fine to start small. Contribute R10 or R100 when you can but getting started is what’s important.
Some tips on starting an emergency fund:
1. Tackle debt: It is important to view your money holistically. If you can slowly pay more towards your interest-bearing loans and credit cards, you can minimise that outflow of income. This can lead to freeing up money to be used towards an emergency fund in the future. You may see it as a small step today, but it’s a step that could produce big results soon.
2. Start today: If possible, start by saving small amounts towards your emergency fund while continuing to pay off your debt. Once you have reached your emergency savings goal, shift your focus to paying off your debt as quickly as possible. That way, if you are faced with unexpected expenses such as replacing a tyre, you won’t have incurred more debt to cover the costs.
3. Change your mindset: There’s also a common misconception that young people don’t need an emergency fund. But what happens if your geyser bursts unexpectedly? That can set you back significantly as a young adult who is trying to progress financially. When these things happen, we often use our credit cards, which can perpetuate the cycle of debt. Having an emergency fund helps to cover you when these curveballs come your way.
4. Save smartly: First, you need to decide to start saving. Then you need to decide where to save your money. For an emergency fund, consider an investment vehicle that earns you compound interest and is accessible without a penalty, with a reputable financial institution. Consider having a debit order set up for your emergency fund contributions; that way you will pay yourself first, before any other expenses.
5. Have a goal in mind: Be specific about the amount you want to save towards and review this goal constantly. If your goal is to save R1 000, you save and build up to R1 000, then maybe increase the amount to R5 000 once the goal has been reached. If you happen to use some of the money from the fund due to an emergency, you need to plan how you will replace this money and reach your goal again.
No amount is too small to start an emergency fund. Having savings set aside gives you a sense of control and preparedness and this resilient psychological mindset can boost motivation to continue with positive money behaviours. These all set you on a path to financial confidence and freedom.
Sanlam Life is a Licensed Life Insurer, Financial Services and Registered Credit Provider (NCRCP43).
What is your plan A - B and C?
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How much one needs to retire in SA seems to be a popular search on Google. If you are one of the people searching this, use the retirement calculator on our website
to find out more.
Or arrange a meeting with me at 0662319964, email: [email protected]
Are you farming in the U.S? Do you know your Tax implications when transfering home?
I can help with expert financial advice.
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Do you know anyone working overseas?
Do they know their tax implications? Are they losing interest because of saving in a normal bank account?
We can help with professional advice on how to invest and let your investment grow in their best interest.
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Get reputable expert advice on saving your money for when you return to SA, and let your money work for you.
We also provide you with advice regarding your tax implications.
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