Sivuyile Mtshengu - Sanlam Financial Adviser, Cape Town

18/09/2026

Your smartwatch says you're stressed. An app flags a potential health risk. But should you trust it?

AI-powered health tools are helping more South Africans keep track of their wellness, from monitoring sleep patterns to tracking heart rates and activity levels. The real value lies in spotting trends and encouraging healthier habits.

However, technology should support decision-making, not replace professional medical advice.

The same principle applies to financial planning. While AI can help identify possible health concerns, it cannot protect you from the financial impact of a serious illness, disability, or loss of income.

A healthy future isn't only about knowing your numbers. It's about being prepared for life's uncertainties too.

Read our blog about how to use AI-powered health tools wisely and why financial protection remains part of the bigger picture.

AI-powered health tools offer valuable insights into your wellbeing, but healthcare experts stress the importance of combining technology with professional advice.

14/09/2026

Safeguard your legacy for your loved ones.💙
Drafting a will is how you take care of your family when you no longer can — protecting their inheritance and sparing them the hard admin later. Free to draft and store.

Draft your will online here - https://www.sanlamadvice.co.za/adviser/Sivuyile-Mtshengu/tools/online-will/

This is ideal if you require a will that is simple and straight forward. Simply complete the form to generate your draft will that you can download immediately. A consultant will call you to finalise your will, make sure it reflects your wishes, that you sign it correctly, and return it back to Sanlam for safekeeping.

Sanlam has partnered with Sanlam Trust, part of the Capital Legacy Group and a Sanlam associate, to give you expert advice on wills, trusts, estates, and related services.

You can also speak to a financial adviser directly should you have any questions before commencing:
Sivuyile Mtshengu
📞0659317776
📧[email protected]


https://www.sanlamadvice.co.za/adviser/Sivuyile-Mtshengu/tools/online-will/

Sanlam Life Insurance Limited is a licensed Life Insurer, authorised Financial Services Provider and registered Credit Provider (NCRCP43).

13/09/2026

Estate planning becomes significantly more important when family structures are complex. A key takeaway from the conversations sparked by The Polygamist on Netflix, is that inheritance outcomes don't always align with personal intentions when proper planning is absent.

In South Africa, family structures can take many forms.

When a person passes away without a valid will, their estate is distributed according to legislation, which may not reflect their wishes or the needs of their dependants.

For financial decision-makers, business owners and families alike, this highlights three important considerations:

✓ 1.Keep your will updated.

✓ 2.Ensure your estate plan reflects your current family circumstances.

✓ 3.Consider professional guidance where trusts or multiple beneficiaries are involved.

Good estate planning is not just about asset distribution. It's about reducing uncertainty, preserving family harmony and protecting your legacy.

Read the full article for valuable insights into planning for real-life family dynamics. https://www.sanlamadvice.co.za/adviser/Sivuyile-Mtshengu/blogs/the-polygamist-family-affairs-estate-planning-lessons

Need advice? Get in touch with Sivuyile Mtshengu
📞0219471509
📧[email protected]
🏠2 Strand Street, Bellville, Cape Town, Western Cape, 7532

12/09/2026

Have you ever wondered what would happen to a loved one who depends on you if you were no longer around? 💙

Estate planning isn't only about passing on wealth. It's about making sure the people who rely on you are cared for according to your wishes.

For parents of children with disabilities or dependants who may struggle to care for themselves, having a valid will and the right estate planning structures in place can make a significant difference.

Proper planning can help ensure ongoing care, minimise uncertainty, and provide peace of mind for your family.

One important takeaway: Estate planning is not just for the wealthy. It's for anyone who wants to protect the people they love.

Read the full article on my blog and discover how thoughtful estate planning can help protect vulnerable loved ones.

Proper estate planning is one of the most important things you can do for your children. Not only does it spare them the anxiety of having to tussle over your estate while mourning your loss, but it can also serve as a final parting gift from one generation to the next. Despite this, 70% of South Af...

11/09/2026

A healthy heart journey starts long before adulthood. ❤️

As parents and caregivers, the habits we help children build today can shape their health for years to come. Small changes like more active play, balanced meals, and less screen time can make a meaningful difference.

This Heart Awareness Month, let's focus on progress, not perfection. Every healthier choice is a step towards a stronger future.

🔗Read more about reversing childhood obesity in my blog and support better heart health for the next generation.

Obesity in young South Africans has doubled in just six years. Globally, childhood obesity has increased tenfold since 1975, with 41 million youngsters under the age of five either obese or overweight. And a quarter of these children live in Africa.

10/09/2026

"Remember when your biggest decision for your children going to school was what to pack them for lunch? 😅

Fast forward to their Matric prelims... and suddenly the big decisions about their future feels very real.

Right now, thousands of Grade 12 learners are focused on exams, but for many families, it's also a time of important conversations about what's next.

University, college, a first job, moving away from home, transport, accommodation... these milestones often come with major financial commitments.

The good news? The best time to start planning for your future Grade 12 child is now.

Whether you're a parent or guardian, having honest conversations about future goals and the costs involved can help reduce stress and create confidence for the journey ahead.

Talk to a financial adviser today!

Sivuyile Mtshengu 0659317776
📞0219471509
📧[email protected]
🏠2 Strand Street, Bellville, Cape Town, Western Cape, 7532

06/09/2026

A serious illness can affect more than just your health. It can also place unexpected pressure on your finances.

Sanlam's severe illness cover can help provide a tax-free payout if you are diagnosed with a serious condition, helping you cover treatment costs, lifestyle changes and other expenses not covered by medical aid.

It is about giving you the financial support to focus on recovery when you need it most.

Find out more with Sivuyile Mtshengu
📞 Phone: 0219471509
📧 Email: [email protected]
🏢 Visit: 2 Strand Street, Bellville, Cape Town, Western Cape, 7532

Website users may experience intermittent downtime between 04/09 - 07/09 while infrastructure maintenance is carried out. Report any issues to [email protected]

05/09/2026

A common challenge for many SMEs isn't a lack of ambition. It's a lack of financial visibility.

Economic uncertainty, changing market conditions and rising costs make financial discipline more important than ever. One of the simplest ways to strengthen your business is to revisit the fundamentals:

• Build and update a financial roadmap
• Stay on top of bookkeeping and tax planning
• Monitor cash flow consistently
• Manage debt strategically
• Keep personal and business finances separate

As the saying goes, "A failure to plan is a plan to fail."

Taking time to review these areas can help business owners move from simply surviving to planning for sustainable growth.

🔗 Explore the full article in our blog for practical insights on giving your business finances a spring clean.

Website users may experience intermittent downtime between 04/09 - 07/09 while infrastructure maintenance is carried out. Report any issues to [email protected]

03/09/2026

💡 Divorce can bring significant financial changes, making it important to understand the impact on your income, assets, savings, and future financial goals. Being informed can help you make confident decisions and build a secure financial future.

It is said that nearly half of all marriages in South Africa end in divorce. Unfortunately divorce usually goes hand in hand with great unhappiness about the way in which the assets the two parties have built up over the years should be divided.

02/09/2026

South African women drive the economy, yet many remain underinsured. Ask yourself these key questions today to safeguard your income and family's future.

South African women drive the economy, yet many remain underinsured. Ask yourself these key questions today to safeguard your income and family's future.