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The Power of 1%: Why Small Differences Matter in Retirement In retirement the investing rules change from your working years. The focus shifts from wealth accumulation to ensuring your capital can sustain your lifestyle for life. Retirement Reality During retirement, investors typically withdraw around 5% per year while needing returns that keep up with inflation […]
Dear Client Financial planning isn’t just about products or policies – it’s about making thoughtful, informed choices. Factors that influence your premiums Insurance premiums for life, disability and critical illness cover are not randomly calculated – they are based on your personal risk profile. Key factors include your health, lifestyle, occupation, amount and […]
Dear Client As 2025 closes, we thank you for your trust and partnership. This season is a special time to pause, reflect, and celebrate your achievements. At ANF Financial Advisers, we believe financial peace of mind is one of the greatest gifts you can give yourself and your loved ones this season. We are grateful […]
The year has flown by, and the festive season is almost here! Whether you’re heading away or staying home for a well-deserved rest, a little planning now can ensure a stress-free, confident holiday. At ANF Financial Advisers, we’re here to help you prepare — not only for the holidays, but for the future — so […]
🌞 Financial Adviser Institute Monthly Newsletter Issue: Summer Edition – Smart Saving & Future Planning Summer is here! ☀️ A season of holidays, family fun, and relaxation also brings opportunities to think about smart spending and planning for the future. In this edition, we share tips to stretch your money further, and ways to teach […]
We’re proud to launch our Female Risk Cover Campaign – an initiative dedicated to closing the insurance gap for South African women and ensuring they receive the protection they truly deserve. Too often, women remain underinsured, despite playing crucial roles as breadwinners, caregivers, and professionals. This campaign is designed to change that. By empowering women […]
We all want to feel secure with our finances and know that we can handle life’s surprises and move toward our goals with confidence. But security doesn’t just happen. It’s something we build deliberately, piece by piece, with care and balance. “Financial security and independence are like a three‑legged stool resting on savings, insurance, and […]
When markets get turbulent or headlines turn grim, many people instinctively retreat to cash. It feels safe, predictable, tangible, and readily available. There’s no volatility, no chance of “losing” money overnight. And for certain purposes, cash is exactly what you need. It’s essential for covering short‑term expenses, building an emergency fund, or giving yourself flexibility […]
When we think about building wealth, it’s easy to picture numbers on a statement, bricks and mortar, or a growing investment portfolio (or even a chest full of gold!). These are the tangible milestones: savings accounts, retirement funds, real estate, and other assets we can point to and measure. But rarely do we consider the […]
If you’ve ever looked at your portfolio during a market crisis, like March 2020, you may have noticed something unsettling: everything seemed to fall at once. Stocks dropped. Bonds wobbled. Even “safe” assets felt shaky. It’s a scenario that can leave even experienced investors wondering, “Isn’t diversification supposed to protect me from this?” It’s a […]
