INSIGHTS & OPINIONS
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Read one of our recent articles.
Budget Summary & Highlights
Ronald Smith sums up the tax changes which will be implemented according to the budget speech. BUDGET Standalone_25-26
A ‘two-pot’ retirement system refresher
Dave Edgar, Trust Officer, provides an update on the new system that comes into effect on 1 September. A year has passed since I wrote an article in Personal Opinions about the ‘two pot’ retirement...
Kevin Clemo Joins the Personal Trust Leadership Team
We are pleased to inform you that Kevin Clemo has recently been appointed as an Associate Director at Personal Trust, effective 1 January 2024. Kevin joined Personal Trust in June 2022 from Nedbank...
Planning for your Retirement
This is such an important and exciting phase of your life and comes much sooner than you may expect. Thorough planning is the key to a successful and happy retirement. If you are 50+ or nearing...
South Africa has been greylisted. What does this mean?
The Financial Action Task Force (“FATF”) is a global inter-governmental body that promotes policies and sets international standards relating to the combating of money laundering, terrorist...
2023 The year of the Water Rabbit – promises longevity, peace, and prosperity. What is reality?
When the citizens of Kyiv removed their corrupt president, Viktor Yanukovych, in the “Euromaidan” revolution of 2014, they underestimated how swiftly that would trigger Russian intervention which...
Interest Rates – Nominal & Effective
Portia Vlotman, Associate Director and Money Market Manager, discusses rising interest rates and explains the difference between nominal and effective rates. The South African Reserve Bank raised...
Retirement Village Living
There are a number of factors to consider when making a decision regarding your future home. Careful thought needs to be given as to what is important to you in your retirement years. These are some...
From Russia with Love
"You can do a lot more with weapons and politeness than just politeness." Vladimir Putin Who would have imagined I would be writing an article about the impacts of a WAR in Europe! The Russian...
Crypto assets: How to deal with these in your Will and in Estate planning
Renette Hendriks, Director, clarifies how to deal with crypto assets. Satoshi Nakamoto, the father of Bitcoin, defines it as “a chain of digital signatures. Each owner transfers to the next by...
CHANGES IN PERSONAL CIRCUMSTANCES
Nick de Villiers, Trust Officer in Noordhoek, explains why it is imperative to seek professional financial planning advice regularly. “Everyone has a plan until they get punched in the mouth.” Mike...
NATIONAL WILLS WEEK: 13 – 17 SEPTEMBER 2021
Renette Hendriks, Director (Fiduciary Department) reminds us of this initiative and the importance of a well-planned Will. National Wills Week, which runs annually from 13 to 17 September, is aimed...
We are recruiting: Tax Compliance Officer
About Personal Trust: Personal Trust is a client-focused Trust and Investment Management company providing financial planning and investment advice and services to clients planning for, or already...
We are recruiting: Financial Advisor
About Personal Trust: Personal Trust is a client-focused Trust and Investment Management company providing financial planning and investment advice and services to clients planning for, or already...
THE COST OF EDUCATION
Statistics show that the cost of education is on the rise and many South African parents do not know what they can expect to pay for their children’s education in the years to come. Educating our...
Webinar with Sandy McGregor, Allan Gray
Personal Trust is pleased to invite you to a webinar at which Sandy McGregor, Economist at Allan Gray will share his view on the local economic and political situation. Sandy joined Allan...
Having the ‘Financial Chat’ with your significant other…
Michelle McKay, Trust Officer, advises on what couples need to consider regarding their financial arrangements. For some couples this is not an easy subject to address. However, the Covid epidemic...
Thinking for the Future – Investing for yourself and your family
Personal Trust is pleased to invite you to a webinar hosted by Chantell Ilbury on Tuesday, 29th June.Chantell is a renowned strategist, facilitator, speaker, best-selling business author and...
The magic number? Ensuring the longevity of your retirement capital.
Kristin van den Berg, Director and Trust Officer, considers how much one needs to save for a comfortable retirement. When we plan for retirement we are, quite simply, building a nest egg that will...
Saving for short term needs?
Portia Vlotman, Associate Director and Money Market Manager, tells us about the differences between Money Market Savings Accounts and Money Market Funds. The most popular short-term savings options...
Assistance provided to overseas heirs
Nick de Villiers, Trust Officer at our Noordhoek branch, tells how we have assisted heirs who do not live in South Africa. As you may be aware, Personal Trust has a large Estates Department,...
Considering replacing your car?
Rene Pienaar, Trust Officer, provides tips on what to consider when buying a car and also on changes to the agent-only servicing and repairs. We love our chariots, our automobiles, our cars! The...
Reap the benefits of a retirement annuity before 28 February 2021.
Have you considered making an additional contribution to your Retirement Annuity before the end of the tax year? With the 2020/2021 tax year drawing to a close on 28 February 2021, now is the time...
Cybercrime Q&A
Responses to questions posed during the cybercrime webinar held on 24th November 2020. What can one do to check one’s exposure – on the internet, emails, social media, hacked information? Please...
Cybercrime in Focus
Cybercrime is an ongoing threat and there has been a spike in this criminal activity during the global pandemic as more people are shopping and spending time online. Added to this are the recent...
Offshore allowances and exposure
Dave Edgar, Associate Director at Personal Trust, explains the various ways in which one can gain offshore investment exposure. South Africa makes up a very small percentage of World GDP; this...
Overcoming limitations of the Pension Funds Act on your investment decisions.
By Nick de Villiers, Trust Officer, Personal Trust Noordhoek There has been much discussion in the Press about potential changes to legislation governing pension funds and retirement funds and how...
How to save money during COVID-19
17 Jul 2020By Athenkosi Sawutana Global economies have come under extreme financial pressure recently, due to the Coronavirus pandemic. It’s precisely during times like these that an individual may...
Personal Trust Charitable Foundation
“We make a living by what we get. We make a life by what we give.” Winston Churchill We all know there exists a genuine need for financial assistance in South Africa across so many spheres of our...
Your Will – A Time to reflect & review
In these uncertain times we must appreciate the small advantages of having time on our hands. We should use this time wisely to pause and reflect on what we deem to be important in our lives. One of...
Celebrating 40 years!
We started Personal Trust with the clear objective of providing a very personal and independent financial and investment service company, which back in 1980 we felt was missing or diminishing. We...
Reimagining labour at the dawn of 4IR
Thando Gobe, Managing Director of Personal Trust, discusses the opportunities of the Fourth Industrial Revolution (published originally on bizcommunity.com) Before the industrial revolution of the...