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15 February 2012

Economic update

Our theme this month is about making sure you have provided financially for your future and any unexpected life events, so that you can sleep well at night.

But having “enough” is not just about savings and risk cover. It is also about having enough happiness and joy in your life; it is about finding the balance between living in the moment while preparing for tomorrow.

A question to ask yourself this month is, “what makes me happy”? Is it really the latest iPad or another pair of glam shoes? Or is it time spent sharing a glass of wine with friends or playing ball with your child? If you focus more of your time and energy on what brings you joy, you may just find that your finances improve and that you have “enough” in all aspects of your life.

Retirement bliss

Many of us have days where we wish we could just walk out the office and go and lie on the beach for the rest of our lives. The reality is that we would be bored stiff within two weeks and statistics show that people who retire later tend to live longer than those who don’t. But you do want to know how much you need to have stashed away to enjoy a comfortable retirement.
Read: Do you have enough to retire?

Preparing for the unexpected

Death and disability are really not topics one wants to dwell on, but deep down we know we have to face our fears and put provisions in place in case the unthinkable happens. You need to understand both your liabilities and assets to make sure you have right cover.
Read: How much risk cover is enough?

Get the taxman to boost your savings

It is that time of year when you can cut your tax bill by topping up your retirement savings. There are several ways to save your retirement money and you need to understand the product that will best meet your needs.
Read: Understanding retirement products

Kind regards
Steven Braudo
Chief Executive Officer: Liberty Retail SA

Economic Updates

South Africa trundles on

Although our economy will not shoot the lights out this year, it is unlikely that we will see another recession. Low interest rates remain the greatest opportunity for consumers to resolve their financial difficulties.
Read: South Africa’s fortunes tied to global stability

When will Europe’s leaders get off the playground?

Another year on and the European Union still has not resolved its debt crisis. World economic recovery will be tepid until cool heads prevail and a solution is found. Things may have to get worse before they get better.
Read: World recovery hinges on European solution

Extra Information

Weekly economic updates

The Weekly Focus is a commentary on markets, economic and investments prepared by Paul Hansen and Kevin Lings of STANLIB. You can read the latest developments every Tuesday by following the link on www.liberty.co.za.

Investment portfolio updates

Investment portfolios offered by Liberty: performance, risk profiles, asset allocation. Click here.

Online Policyholder Servicing

Download tax certificates, view policy values and other information, update your details. Click here.

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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.

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