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Blue Chip Journal - October 2019 edition

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100 % SAVINGS 0% TAX

100 % SAVINGS 0% TAX WOULDN’T YOU RATHER PAY 0% TAX? OPEN A TAX-FREE INVESTMENT Are you taking advantage of your tax-saving opportunities? With tax-free investments, you pay no dividends tax, income tax or capital gains tax on your investments. With the expertise of SA’s top Fund Managers, you can maximise your tax-free investments to fund that special goal you have in mind, or boost your retirement savings. You can contribute up to R33 000 per year, with a lifetime limit of R500 000. Contact our client services team on 0860 123 263 or clientservices@nedgroupinvestments.co.za or talk to your financial planner. www.nedgroupinvestments.com UNIT TRUSTS | INTERNATIONAL | RETIREMENT FUNDS Nedgroup Collective Investments (RF) Proprietary Limited is the company that is authorised in terms of the Collective Investment Schemes Control Act to administer the Nedgroup Investments unit trust portfolios. Unit trusts are generally medium to long term investments. The value of your investment may go down as well as up. Past performance is not necessarily a guide to future performance. Nedgroup Investments does not guarantee the performance of your investment and even if forecasts about the expected future performance are included you will carry the investment and market risk, which includes the possibility of losing capital. Unit trusts are traded at ruling prices and can engage in borrowing and scrip lending. Certain unit trust funds may be subject to currency fluctuations due to its international exposure. Nedgroup Investments has the right to close unit trust funds to new investors in order to manage it more efficiently. A schedule of fees and charges and details of our awards are available on request from Nedgroup Investments.

C M Y CM MY CY CMY K Blue Chip - Print Ad.pdf 1 29/10/2018 12:43:10 PM CONTENTS 2 SPRING HAS SPRUNG AT THE FPI 4 RETIRING SUSTAINABLY Issue 73 • September/October 2019 www.bluechipjournal.co.za 6 ON THE MONEY News for investors 7 LOCAL ASSETS STILL TOPS SA offering better value ARE THE FUNDS YOU INVEST IN INDEPENDENTLY 9 POSITIVE NARRATIVES RATED? The beginning, middle and end of storytelling in financial services 10 EXPAND YOUR FOCUS Build a thriving sustainable practice in uncertain times FUND RESEARCH BESPOKE MODEL PORTFOLIOS OFFICES IN SA AND THE UK www.fundhouse.co.za The South African Journal of Financial Planning The South African Journal of Financial Planning Food for thought Is your client’s financial plan sustainable? Digital innovation For succession planning and improved customer experience Professionalism and growth FPI Financial Planner of the Year 2019 Hardi Swart & FPI CEO Lelané Bezuidenhout 12 PROFESSIONALISM AND PERSONAL GROWTH Meet the FPI Planner of the Year 2019 Fundhouse Investment Advisors (Pty) Ltd is an authorised financial services provider. FSP 43960 ISSN 1682-8666 16 FOOD FOR THOUGHT How sustainable are your client’s financial plans? 18 THE IMADIBA PROJECT Satrix takes Madiba’s "circle of dialogue" to the JSE Issue 73 Sept/Oct 2019 19 AVOID VALUE DESTRUCTION Living annuities: why you might be giving up important growth 24 THE CREED OF WEALTH CREATION Uplifting women through financial planning 26 VERIFIED SUBSTANCE Guernsey offers “flight to quality” No article or any part of any article may be reproduced without the prior written permission of the publishers. The information provided and opinions expressed in this publication are provided in good faith, but do not necessarily represent the opinions of this publication, the publisher or the editor. Neither this magazine, the publisher or the editor can be held legally liable in any way for damages of any kind whatsoever arising directly or indirectly from any facts or information provided or omitted in these pages or from any statements made or withheld by this publication. The publishers would like to express thanks to those who support this publication by their submission of articles and with their advertising. All rights reserved. 30 CLIENTS ARE FOR LIFE Behavioural financial advice is not a soft skill 32 STRATEGIC DECUMULATION Retirement means working with what you’ve got Pages for paid-for material are labelled ‘advertorial’, ‘profile’ or ‘cover profile’ 34 SMOOTH TRANSITION Technology and succession planning Head Office: Cape Media House, 28 Main Road, Rondebosch 7700 Cape Town Tel: +27 (0) 21 681 7000 Fax: +27 (0) 21 685 4448 info@capemedia.co.za www.bluechipjournal.co.za

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