Die nuusbrief en artikels is in Afrikaans op ons webtuiste beskikbaar.
November 2011
Economic updates
It is that time of year again when Christmas crackers and wrapping paper jostle for shelf-space with Halloween decorations.
Where has the year gone? Each year the months seem to fly by even faster. We have a month left to the end of the year and how many of us have achieved our goals and objectives? Time has a nasty habit of stealing up on us whilst we are focused on day-to-day issues and as a result, our longer-term plans are set aside. We tend to focus on what is urgent rather than what is important.
The only way to make sure that we deal with what is important is to have a plan in place with steps that we set in order to reach our goals.
This month we look at a 12-step plan to get your finances in order. This plan is not time consuming; it just requires you to implement one financial step a month. By following the plan, this time next year you will hopefully not be wondering where the year has gone but rather feeling a sense of achievement.
Because we believe so fundamentally in the need for a financial plan, Liberty is offering a prize worth R1 million to a client who undergoes a no-strings-attached Financial Needs Analysis. Not only will your finances be in order, you may just be the lucky person who kick-starts their financial plan with R1 million.
The early arrival of Christmas decorations also offers an opportunity to plan your finances for the festive season. Start buying gifts and decorations ahead of time and spread the cost over two months rather than relying on your credit card and 13th cheque. At the end of this month, draw up a budget for your December spending so you do not start the New Year with a hangover.
Kind regards
Steven Braudo
Chief Executive Officer: Liberty Retail SA
Planning
By completing just one financial task a month you can set yourself on the path towards financial freedom: Read: 12 Steps towards a financially free 2012.
Who wouldn’t want to win R1million with no strings attached? Improve your life, know your financial status and stand to win R1 million. Read: Start planning and stand a chance to win R1 million.
Having a plan for December will help you enjoy the festivities without the hangover. Read: Your festive season plan.
Economic Updates
The IMF has described the global economy as having entered "a dangerous new phase” as the major economies roll slowly towards the edge of the cliff while legislators argue about who gets the front seat. Read: World Economy has entered into a dangerous new phase.
Locally, there is a glimmer of light coming from recent economic data however it remains to be seen how sustainable these figures are. Read: Is there light at the end of the tunnel?
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.
Your Feedback is important - Talk to us
Thank you for the feedback we have received on these newsletters so far. Your comments and suggestions will help us to give you relevant information for planning and managing your finances.
Please keep talking to us and telling us what you think! You can email your comments to [email protected].
Share this newsletter online:
 |
 |
 |
Liberty Group Limited - an Authorised Financial Service Provider
in terms of the FAIS Act (Licence no 2409).
Need to talk to us?
If you have any questions about your policy or this email, we look forward to hearing from you at [email protected]
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.
Visit www.liberty.co.za