ProGrow BlueStar - authorised by Sanlam

ProGrow BlueStar - authorised by Sanlam We’re committed to helping you reach your financial goals – we assess the financial needs of our clie

📚📝👩‍🎓👨‍🎓 Here are five ways you can help your child beat exam stress and come out tops:1. Set the right mood: Keep ...
24/10/2024

📚📝👩‍🎓👨‍🎓

Here are five ways you can help your child beat exam stress and come out tops:

1. Set the right mood: Keep a relaxed atmosphere and avoid stressing about the looming exams to ensure a positive experience for your child.

2.Create perspective amidst exam stress: Encourage your child to engage in other activities and take breaks to maintain balance and prevent exams from being all-consuming.

3.Prep and plan – then stick to it: Establish a study schedule well in advance of the exam period to promote structure and consistency.

4.Cut out unnecessary noise: Promote organization to minimize stress from poor planning during exam time.

5. Stay connected emotionally: Support your child and maintain emotional connection throughout the pressure-filled exam period, from primary school to matric. 📝📆💻👨‍👩‍👧‍👦📚💪🤗👍

Stay positive and optimistic. A positive attitude can make a big difference🎓✨
22/10/2024

Stay positive and optimistic. A positive attitude can make a big difference🎓✨

16/09/2024

Your WILL 📜 is simply a record of your wishes to:

🔹Distribute your assets
🔸Appoint guardians to care for minor children
🔹Protect the inheritance of children under 18
🔸Nominate an executor to handle the administration
🔹Specify your final wishes

WITHOUT a valid will:
🔻You die 'intestate'. In other words, you leave behind an administration nightmare
🔸Bank accounts are frozen
🔻Assets are frozen
🔸Your family has to fight to access cash
🔻It could take years to sort out
🔸State decides on distribution
🔻Anyone can claim

It's important to always consult a qualified financial adviser like those at ProGrow BlueStar.

Sanlam can provide solutions that work for you and your family, helping to create a happier future. We encourage you to speak to one of our financial advisers to see how you can take control of your finances.

☎️0219478558 (Office) Lee-Roy Wales - 0219471942 / Charldo Wales - 0219475385
📧[email protected]
🏢2 Strand Road, Bellville, 7530, Cape Town

05/09/2024

🔔 Planning for a Longer Life: Redefining Retirement 🔔

People are living longer, so it's crucial to plan for 20-30 years of financial security. In the 21st century, there's a new phase of life from mid-50s to 70s where many remain active and independent, often choosing to continue working.

Key Planning Points:

➡Flexibility: Be ready to adjust your plans due to uncertainties like lifespan, health, inflation, and market changes.

➡Important Decisions: When to retire, building a retirement income portfolio, reducing expenses, considering downsizing, and protecting against frailty.

➡Work Options: Extend current job contracts, pursue bridge jobs, launch encore careers, take on projects, or start a business.
.."Building Your Life Portfolio"

Focus on health, work or volunteering, family and friends, and community involvement. Start planning in your late 50s or early 60s.

Retirement is no longer a "permanent holiday".

It's about living well, staying healthy, and maintaining financial security. Let’s plan together for a fulfilling future! Reach out to a local financial adviser at ProGrow BlueStar.

02/09/2024

6 Ways women can boost their retirement savings despite the gender pay gap

🚺💰 Studies show that there is a gender pay gap in both South Africa and internationally that sees women being paid up to 35% less than their male counterparts.

Here are 6 tips from to help women improve their retirement outcomes: 🌟🏦💪

📆 Plan for the long term: Start saving for retirement early, giving your money more time to grow.

💰 Increase retirement fund contributions: Save more to build a bigger nest egg for financial security.

📊 Review your expenses: Identify areas to cut back on spending and redirect the money to retirement savings.

👩‍👩‍👧 Get involved in family finances: Take charge of your finances to secure your financial future.

📊 Beat the tax burden: Structure retirement funds in a tax-efficient manner to reduce future tax liabilities.

💼 Speak to a financial adviser: Seek professional advice to review financial needs, set goals, and make the right investments - make contact here: https://www.sanlamadvice.co.za/bluestar/progrow/contact-us/

Remember, taking control of your finances and planning for retirement is essential to bridge the gender pay gap and ensure a financially stable future. 💪

Source: /personal-finance/my-money/6-ways-women-can-boost-their-retirement-savings-despite-the-gender-pay-gap-d44b704b-825d-4dbe-9a74-e1cba64fa3d6

25/08/2024

💡 Smart Money Moves After a Lump Sum Payout... 🚀


Are you expecting and planning for a big payout?

Whether it’s from a pension, retrenchment, severance, inheritance or even the lottery, here’s how to turn it into a wealth-building opportunity instead of a spending spree!

🔍 #1: Get professional tax advice – Tax is the first thing to eat your wealth before everything else. A tax consultant will help you lessen that burden.

📊 #2: Diversify, diversify, diversify – Don’t risk it all in one place.

⚠️ #3: Avoid the lottery effect – Don’t get scammed by too-good-to-be-true deals that make you believe you can triple your lump sum.

💸 #4: Pay off debt – Freedom starts with financial responsibility.

🏠 #5: Live within your means – It’s not about looking rich, but being financially secure.

🔢 #6: Always consider the total cost – Small monthly expenses add up e.g. If you are planning on buying a car or renovating your home calculate how much is expected from you in total. Get comparable quotes and use referrals from trusted sources.

When you step away from thinking it’s a few rands a month to the total value, you are able to assess if it is worth to buy it right now or later.

True happiness, amongst other things comes from knowing that you have created a stable financial foundation for your family. If you do win the lottery don’t quit your job to just take longer holidays.

The goal isn’t just to look wealthy, but to actually build wealth that lasts. 🌟

Follow, Like & Share for more

24/08/2024

WOMEN & FINANCIAL PLANNING 👩👩‍🚀👩‍🔬🤱🇿🇦

Empowered mothers, sisters, wives, daughters of South Africa, have you taken control of your financial security?

Or do you fall into the category of many of your counterparts that delegate their financial security to a spouse or significant other, allowing divorce or death to plunge you into unwanted circumstances?

TAKE CONTROL -

The most important starting point is not relying on someone else to drive your financial future, be proactive and educate yourself about investing and managing your money from saving for retirement to saving for a specific need.

Be involved in the day-to-day management of the family's finances to prepare yourself to fulfill the full magnitude of the task should your spouse pass away.

When reviewing your 🚀 assets and liabilities 🚀 and drafting your will, have your financial planner conduct an estate liquidity analysis to ensure the estate has sufficient liquid assets to cover the liabilities.

Having done this and covered any shortfalls in the analysis with appropriate life cover, you ensure that your hard-earned assets will not be sold off cheaply to cover liabilities. Thus providing your family with peace of mind. 💙💙


Follow for more info or leave a question or message below
https://www.sanlamadvice.co.za/bluestar/progrow/contact-us/

Address

2 Strand Road
Bellville
7530

Opening Hours

Monday 08:00 - 16:30
Tuesday 08:00 - 16:30
Wednesday 08:00 - 16:30
Thursday 08:00 - 16:30
Friday 08:00 - 16:30

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+27219478558

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