Liberty Newsletter December 2016
Liberty
The Gift of Financial Sense
Liberty

As we enter the festive season, our work and minds may be starting to slow down, but our store cards, debit cards and credit cards become far more active. Here are some tips on how to keep your finances in balance this festive season and how to share the gift of financial sense.

Liberty
Salary Tips
One of the best things about year-end is that most of us get our pay cheques early and for those lucky individuals who receive a 13th cheque, the December salary comes with a little sweetener.
Liberty
Festive Savings

The festive season is listed on the Holmes and Rahe Stress Scale among the 43 most stressful life events. It’s time to change our children’s expectations and take the pressure off us as parents.
Liberty
Investment Portfolio
Economic uncertainty and the political tumult have driven demand for offshore investment products to an all-time high. Concerns around currency volatility and the local market limitations, in terms of size and exposure to wider global industry, have also contributed to a reluctance to take on risk.
Liberty
Tax Advice

Finance Minister Pravin Gordhan has told South Africans that government needs to raise an additional R28 billion in taxes next year. We look at where those taxes are likely to come from and how to plan for them.
Liberty
Lifestyle
While your children may want the latest gadget or toys on the market, we suggest a number of invaluable gifts that they’ll appreciate forever.
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The information contained in this communication, including attachments, is not to be construed as advice in terms of the Financial Advisory and Intermediary Services Act of 2002 ("FAIS") as the writer is neither an appointed representative of Liberty, nor a licensed financial services provider as contemplated in FAIS. Please consult your financial adviser should you require advice of a financial nature and/or intermediary services.