Sales and Marketing - West Rand

Sales and Marketing - West Rand Expert advice because you deserve it..

23/09/2026

✨ TAKE THE RISK — YOUR FUTURE IS WAITING Sometimes the biggest risk isn't taking a chance. It’s staying exactly where you are because you are afraid of what might happen if you move forward. Every new chapter requires a step into the unknown. A new career. A new business. A new dream. A decisi...

23/09/2026

TAXATION AT RETIREMENT — WHAT YOU NEED TO KNOW 💰 R2 MILLION IN A RETIREMENT FUND — TWO TAX SCENARIOS What happens if you have R2,000,000 in a retirement fund? 🟢 OPTION 1: RETIRE & TAKE R600,000 AS CASH Lump sum: R600,000 Calculation| Tax First R550,000 @ 0%| R0 Remaining R50,000 @ 18%| R9,...

22/09/2026

Protect What Built You is a promise. But it’s the experience we create for our customers that brings that promise to life. That’s why we’re incredibly proud to have ranked in the top 3 for Customer Experience in the 2026 ASK AFRICA Orange Index™. The ASK AFRICA Orange Index™ is Africa’s ...

22/09/2026

The Future Is Already Here The future isn’t something we wait for — it’s something we prepare for. Technology, artificial intelligence and new ways of thinking are changing how we live, work, invest and make decisions. As a Financial Adviser, I believe my role is evolving too. It’s no longer...

🇫🇷✨ PARIS — YOUR DREAM HOLIDAY CAN BECOME A FINANCIAL GOAL! ✨🇫🇷Have you always dreamed of walking beneath the Eiffel Tow...
22/09/2026

🇫🇷✨ PARIS — YOUR DREAM HOLIDAY CAN BECOME A FINANCIAL GOAL! ✨🇫🇷

Have you always dreamed of walking beneath the Eiffel Tower, exploring the streets of Paris, enjoying a French café and experiencing the City of Love? ❤️

What if you started planning for that dream today?

Imagine a 14-day Paris holiday for two people in 2031.

💶 Estimated 2031 holiday budget

✈️ Return flights: ± R36,000
🏨 Accommodation for 14 nights: ± R70,000
🍽️ Food & drinks: ± R36,000
🚇 Transport: ± R10,000
🗼 Attractions & sightseeing: ± R16,000
🛍️ Spending money & miscellaneous: ± R22,000

🎯 Estimated total: ± R190,000 – R220,000

If we work towards a R220,000 goal over 5 years, that's approximately R3,667 per month if you simply save the money without investment growth.

But here's where proper financial planning can make a difference. 💡

Instead of simply putting money aside and hoping you reach your goal, we can look at a suitable goal-based savings or investment strategy, taking your time frame, affordability and financial circumstances into account.

📅 5 years
🎯 Goal: ± R220,000
💰 Starting point: ± R3,667 per month

Your dream holiday doesn't have to remain a dream.

Paris could be your goal. 🇫🇷✈️

Let's sit down, talk about your dream and work together on a plan to make it possible.

Annetjie Visser
Personal Financial Advisor | Old Mutual
📞 072 072 5219

Figures are estimates for planning purposes and may change due to inflation, exchange rates, flight prices, accommodation and your chosen travel style.

19/09/2026

🇹🇭 Thailand – Your Dream Destination A 10-day holiday in Thailand could cost approximately R35,000 per person, including flights, accommodation, meals, transfers, activities and travel insurance. If Thailand is your dream destination, you can start planning for it today: 🎯 2-year goal: R3...

18/09/2026

Inflation changes the picture at Retirement One of the biggest mistakes people make when planning for retirement is looking at today's income and assuming they will need roughly the same amount in the future. Inflation changes the picture. For example, let's say you need R30,000 a month today to mai...

Retirement Planning: The Numbers We Shouldn’t IgnoreRetirement planning is something many of us say we’ll get to “one da...
18/09/2026

Retirement Planning:
The Numbers We Shouldn’t Ignore

Retirement planning is something many of us say we’ll get to “one day.”

But the earlier we start, the more options we have.

Retirement planning isn't only about saving enough money. It’s about making sure your future income can support the lifestyle you want—and that your money can potentially last for decades.

🇿🇦 Consider this:

According to ASISA, living annuity assets reached R911.7 billion at the end of 2025, across more than 579,000 living annuities.

And here's something many people don't consider enough: inflation.

If you need R30,000 per month today, and we use 4.3% inflation simply as an illustration, you would need approximately R106,000 per month in 30 years to have similar purchasing power.

R30,000 today ≠ R30,000 in 30 years.

That is why retirement planning should consider:

🔹 How much income you will need
🔹 Inflation and future purchasing power
🔹 Starting early and allowing time for growth
🔹 Protecting your income and retirement savings
🔹 How long your money may need to last
🔹 How your retirement capital will provide an income
🔹 Regularly reviewing your plan

The question isn't only:

“How much do I need to retire?”

It should also be:

“How much income will I need in the future to maintain the lifestyle I have today?”

Retirement planning isn't about predicting the future.

It's about preparing for it.

📌 Plan today. Protect tomorrow. Build the future you want.

2. Calculate the income you may needOne of the biggest mistakes people make when planning for retirement is looking at t...
18/09/2026

2. Calculate the income you may need

One of the biggest mistakes people make when planning for retirement is looking at today's income and assuming they will need roughly the same amount in the future.

Inflation changes the picture.

For example, let's say you need R30,000 a month today to maintain your current lifestyle.

South Africa's headline inflation rate was 4.3% in July 2026, according to Statistics South Africa.

If we use 4.3% as a simple illustration and assume that rate continues for the next 30 years, the calculation looks very different:

R30,000 today → approximately R106,000 per month in 30 years.

That doesn't mean inflation will actually remain at 4.3% for the next 30 years. Inflation changes over time, and individual expenses can increase at different rates.

But the example illustrates something extremely important:

«R30,000 in 30 years will not buy what R30,000 buys today.»

This is why retirement planning needs to look beyond the amount you are saving. You need to consider future purchasing power, inflation, investment growth, your expected retirement age and how much income you may need throughout retirement.

And if you are planning to retire in 20, 25 or 30 years, the question isn't simply:

“How much money do I need to retire?”

A better question is:

“How much income will I need in the future to maintain the lifestyle I have today?”

That is where proper retirement planning becomes so important.

17/09/2026

“Life happens so fast. One moment, you’re 18, young and full of dreams, with your whole life ahead of you. And then, before you even realise it, you’re 50, looking back and wondering where all those years went. The truth is, life doesn’t stand still. Our dreams change, our responsibilities c...

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