CGS Insurance brokers

CGS Insurance brokers Authorised Financial Services Provider. Licence no: 13943

Risk Planning, Retirement planning, Investments, medical aids, policy investigations, wills and estate planning, business assurance, Corporate (employee) Benefits and Comprehensive Financial planning that includes all of the above in a financial analysis document free of charge.

29/05/2026

Good day,
The FTSE/JSE All Share closed down by 1.16% last week. The main Johannesburg Stock Exchange Indices stood at the following levels at close of business on Friday, 22 May 2026:

JSE All Share Index 113 215.96
JSE Resources Index 67 227.65
JSE Industrial Index 137 092.91
JSE Financial Index 61 933.05
JSE Precious metals 129 099.88

At the same time last year the JSE All Share Index was 93 528.74.

The JSE All Share Index ended last week (22 May ) on 113 215.96 points and currently stands on 115 048.78.

PPS Market Insights reported that Moody's upgraded South Africa's credit outlook to positive from stable, while maintaining its Ba2 rating, citing improved fiscal performance and reform progress supporting debt stabilisation.

South Africa's municipal debt to Eskom has reached around R11bn, with stalled reforms and metro non payment increasing risks to power supply and economic activity.

The South African Reserve Bank (SARB) increased the repo rate by 25 basis points yesterday. This increase brought the repo rate to 7%. The governor warned that, under current economic conditions, there are more increases coming in the months ahead.

The price of diesel is set to drop on Wednesday, bringing some relief after three months of massive price hikes totaling R13.26 per litre. Unfortunately, for most motorists, the petrol price will increase again, unless the National Treasury surprises everybody by extending the fuel price levy instituted in May. Treasury has previously said it cannot afford to extend the relief, which is set to be halved in June and end in July.

Over-recovery on fuel prices refers to the fact that the pump price is currently higher than the import cost, meaning motorists are overpaying for fuel.

The over-recovery of 43c per litre on 95-octane petrol and 46c on 93-octane will be wiped out if the fuel levy relief is reduced by R1.50 per litre, as expected. It means petrol prices might increase by R1.07 or R1.04, respectively.

Point of interest!

The bouncy, bouncy journey of President Trump's "close" peace deal continued its merry course this week.

So...until a peace treat is actually signed and everybody has gone home, my comments below are still pertinent.

I don't think that anybody is believing the timelines for ending the war in Iran that are constantly been issued by US President Trump. This is evident in the ongoing uncertainty in global economies and markets..so my cautions aired here over the past number of weeks remains fully in place.

Be very careful about any decision you wish to make concerning your investments and, if necessary, enlist the services of a trusted, experienced financial adviser to assist you.

REMEMBER...you have experienced a loss in value only at this stage and will recover the lost value if you hold your investment, however, if you sell out of your investment you will capitalise your loss and suffer a real monetary loss.

CGS Insurance Brokers is an Authorised Financial Services Provider. FSP 13943.
Should you not want to receive this email, please reply and request your email address be removed from our list. It will be done immediately.

Kind Regards,

Des Scherwitz | FSA™
082 374 3489
[email protected]

4A Princes Road, Vincent, East London, 5241
Tel: 043 726 6485
Website: cgsbrokers.co.za

Authorised Financial Services Provider

For all your financial planning needs Complete financial analysis, risk planning, retirement planning, medical aids, investments, personal savings plans, estate planning and wills, business assurance and short term insurance.

Confidentiality notice
The contents of this e-mail and any files or attachments transmitted with it are confidential, may be legally privileged and may not be disclosed to, copied or used by anyone other than the addressee, nor may it be used or copied without the consent of the sender. The contents of this e-mail and attachments shall not be binding on CGS Insurance Brokers unless signed by its duly authorised representatives. While we have taken reasonable precautions against viruses, we do not accept liability for any damages as a result of software viruses. If you are not the intended recipient, please tell us by reply and delete all copies on your system.

27/05/2026

Your single biggest financial asset isn't your house or your car. It’s your ability to earn an income. 💼

Think about it: If you are 35 years old earning R50,000 a month, you will earn R18 Million by the time you retire at 65. You wouldn’t leave an R18 Million villa uninsured—so why leave your income unprotected?

At CGS Insurance Brokers, we believe a rock-solid financial plan starts with protecting your foundation. Here are 3 critical things you need to know about Income Protection:
1️⃣ It bridges the gap: If you are unable to work due to illness, injury, or an accident, it pays out a monthly benefit (Maximum net of tax income) to cover your living expenses.
2️⃣ It protects your goals: It ensures you don't have to drain your emergency savings or retirement funds just to pay your monthly rent, bond, or groceries.
3️⃣ It adapts to you: Policy structures can be customized with different waiting periods (how long you wait before a claim pays) and claim periods to fit your exact budget.

🛑 Don't leave your lifestyle to chance.

👉 Secure your financial safety net today. Send us a direct message or comment "PROTECT" below, and one of our expert financial planners at CGS Insurance Brokers will reach out to build a tailored plan for you.

22/05/2026

Good day,
The FTSE/JSE All Share closed down by 2.84% last week. The main Johannesburg Stock Exchange Indices stood at the following levels at close of business on Friday, 15 May 2026:

JSE All Share Index 114 544.37
JSE Resources Index 70 240.51
JSE Industrial Index 137 980.25
JSE Financial Index 60 965.71
JSE Precious metals 136 485.62

At the same time last year the JSE All Share Index was 92 618.55.

The JSE All Share Index ended last week (15 May ) on 114 544.37 points and currently stands on 114 077.56.

PPS Market Insights reported that South Africa's mining production rose 2.5% year-on-year in March 2026, as declines in key commodities weighed on overall activity, indicating sector pressure.

Farmers, logistics companies, motorists - and, in the end, all consumers - can look forward to a drop in diesel prices in June, but petrol will again increase. The mid-month numbers released by the Central Energy Fund currently show an over-recovery (in other words, a decrease, if prices were to change today) of R4.41 on the wholesale price of diesel with 0.05% sulphur and R3.52 on 0.005%.

On the downside, there is a small under-recovery in petrol prices of only 19c per litre for 95-octane and 14c for 93-octane.

The inflation rate surged to 4% in April, as was widely expected following the massive increase in fuel prices. It is the highest since August 2024. Inflation jumped more than one percentage point form March to April.

Core inflation, which excludes fuel, food and energy, jumped from 3.2% in March to 3.6% in April. The SA Reserve Bank (SARB) is expected to hike interest rates (repo rate) by 25 basis points next Thursday.

Point of interest!

There never seems to be an end to the shenanigans of the countries involved in the Middle East War -

Therefore...

I don't think that anybody is believing the timelines for ending the war in Iran that are constantly been issued by US President Trump. This is evident in the ongoing uncertainty in global economies and markets..so my cautions aired here over the past number of weeks remains fully in place.

Be very careful about any decision you wish to make concerning your investments and, if necessary, enlist the services of a trusted, experienced financial adviser to assist you.

REMEMBER...you have experienced a loss in value only at this stage and will recover the lost value if you hold your investment, however, if you sell out of your investment you will capitalise your loss and suffer a real monetary loss.

CGS Insurance Brokers is an Authorised Financial Services Provider. FSP 13943.
Should you not want to receive this email, please reply and request your email address be removed from our list. It will be done immediately.

Kind Regards,

Des Scherwitz | FSA™
082 374 3489
[email protected]

4A Princes Road, Vincent, East London, 5241
Tel: 043 726 6485
Website: cgsbrokers.co.za

Authorised Financial Services Provider

For all your financial planning needs Complete financial analysis, risk planning, retirement planning, medical aids, investments, personal savings plans, estate planning and wills, business assurance and short term insurance.

Confidentiality notice
The contents of this e-mail and any files or attachments transmitted with it are confidential, may be legally privileged and may not be disclosed to, copied or used by anyone other than the addressee, nor may it be used or copied without the consent of the sender. The contents of this e-mail and attachments shall not be binding on CGS Insurance Brokers unless signed by its duly authorised representatives. While we have taken reasonable precautions against viruses, we do not accept liability for any damages as a result of software viruses. If you are not the intended recipient, please tell us by reply and delete all copies on your system.

15/05/2026

Good day,
The FTSE/JSE All Share closed up by 2.35% last week. The main Johannesburg Stock Exchange Indices stood at the following levels at close of business on Friday, 08 May 2026:

JSE All Share Index 117 888.93
JSE Resources Index 75 016.30
JSE Industrial Index 138 952.83
JSE Financial Index 61 653.84
JSE Precious metals 149 192.92

At the same time last year the JSE All Share Index was 91 861.21.

The JSE All Share Index ended last week (08 May ) on 117 888.93 points and currently stands on 115 205.16.

PPS Market Insights reported that South Africa's vehicle sales fell 13% year-on-year to 47 980 units in April, with exports down 4% reflecting geopolitical pressures and weaker external demand.

Moody's indicated that South Africa's government debt will stabilise in 2026, peaking near 86.8% of GDP, supported by improved fiscal discipline, though risks remain.

South Africa's unemployment numbers have shot up by more than one percentage point as job losses in most sectors combined with the entry of thousands of matriculants to the job market at the beginning of the year. The unofficial unemployment rate increased from 31.4% at the end of 2025 to 32.7% in the first quarter of 2026. According to the expanded definition, unemployment rose from 42.1% to 43.7%.

Point of interest!

President Trump has done it again! He maintains that the war against Iran is approaching a peace settlement, on which, global markets rally. Within days he then assures the world that the war is going to continue indefinitely because Iran refuses to accede to his demands, on which, global markets again collapse dramatically.

Therefore...

I don't think that anybody is believing the timelines for ending the war in Iran that are constantly been issued by US President Trump. This is evident in the ongoing uncertainty in global economies and markets..so my cautions aired here over the past number of weeks remains fully in place.

Be very careful about any decision you wish to make concerning your investments and, if necessary, enlist the services of a trusted, experienced financial adviser to assist you.

REMEMBER...you have experienced a loss in value only at this stage and will recover the lost value if you hold your investment, however, if you sell out of your investment you will capitalise your loss and suffer a real monetary loss.

CGS Insurance Brokers is an Authorised Financial Services Provider. FSP 13943.
Should you not want to receive this email, please reply and request your email address be removed from our list. It will be done immediately.

Kind Regards,

Des Scherwitz | FSA™
082 374 3489
[email protected]

4A Princes Road, Vincent, East London, 5241
Tel: 043 726 6485
Website: cgsbrokers.co.za

Authorised Financial Services Provider

For all your financial planning needs Complete financial analysis, risk planning, retirement planning, medical aids, investments, personal savings plans, estate planning and wills, business assurance and short term insurance.

Confidentiality notice
The contents of this e-mail and any files or attachments transmitted with it are confidential, may be legally privileged and may not be disclosed to, copied or used by anyone other than the addressee, nor may it be used or copied without the consent of the sender. The contents of this e-mail and attachments shall not be binding on CGS Insurance Brokers unless signed by its duly authorised representatives. While we have taken reasonable precautions against viruses, we do not accept liability for any damages as a result of software viruses. If you are not the intended recipient, please tell us by reply and delete all copies on your system.

08/05/2026

Good day,
The FTSE/JSE All Share closed down by 1.19% last week. The main Johannesburg Stock Exchange Indices stood at the following levels at close of business on Friday, 30 April 2026:

JSE All Share Index 115 180.53
JSE Resources Index 70 226.13
JSE Industrial Index 138 113.18
JSE Financial Index 61 958.82
JSE Precious metals 136 942.31

At the same time last year the JSE All Share Index was 92 332.59.

The JSE All Share Index ended last week (30 April ) on 115 180.53 points and currently stands on 117 799.78.

PPS Market Insights reported that South Africa's headline CPI rose to 3.1% year-on-year in March 2026, ahead of expected April pressure from fuel and electricity costs.

South Africa's trade surplus narrowed to ZAR 31.9 billion in March 2026 as faster import growth outpaced exports despite firm demand for minerals, chemicals and transport equipment.

The Bureau for Economic Research stated the seasonally adjusted ABSA Purchasing Managers' Index (PMI) rose above the neutral 50-point mark for the first time since September 2025, increasing to 52.6 in April from 49 in March. The improvement was driven by a rebound in both business activity and new sales orders, pointing to a stronger start to the second quarter following a weak first quarter. However, some of this improvement likely reflects front-loading of demand ahead of expected price increases, raising questions about the sustainability of the recovery.

Point of interest!

Currently, all global markets are experiencing a strong rally on the rumour that the USA and Iran are on the cusp of finalising a deal to end the war. I am, however, skeptical of this rumour mainly because President Trump, on numerous occasions in the recent past, claimed the same thing but has always found some reason not to completing the deal. I remain fearful that he will scupper any chance of a deal once again.

Therefore...

I don't think that anybody is believing the timelines for ending the war in Iran that are constantly been issued by US President Trump. This is evident in the ongoing uncertainty in global economies and markets..so my cautions aired here over the past number of weeks remains fully in place.

Be very careful about any decision you wish to make concerning your investments and, if necessary, enlist the services of a trusted, experienced financial adviser to assist you.

REMEMBER...you have experienced a loss in value only at this stage and will recover the lost value if you hold your investment, however, if you sell out of your investment you will capitalise your loss and suffer a real monetary loss.

CGS Insurance Brokers is an Authorised Financial Services Provider. FSP 13943.
Should you not want to receive this email, please reply and request your email address be removed from our list. It will be done immediately.

Kind Regards,

Des Scherwitz | FSA™
082 374 3489
[email protected]

4A Princes Road, Vincent, East London, 5241
Tel: 043 726 6485
Website: cgsbrokers.co.za

Authorised Financial Services Provider

For all your financial planning needs Complete financial analysis, risk planning, retirement planning, medical aids, investments, personal savings plans, estate planning and wills, business assurance and short term insurance.

Confidentiality notice
The contents of this e-mail and any files or attachments transmitted with it are confidential, may be legally privileged and may not be disclosed to, copied or used by anyone other than the addressee, nor may it be used or copied without the consent of the sender. The contents of this e-mail and attachments shall not be binding on CGS Insurance Brokers unless signed by its duly authorised representatives. While we have taken reasonable precautions against viruses, we do not accept liability for any damages as a result of software viruses. If you are not the intended recipient, please tell us by reply and delete all copies on your system.

30/04/2026

Good day,
The FTSE/JSE All Share closed down by 3.86% last week. The main Johannesburg Stock Exchange Indices stood at the following levels at close of business on Friday, 24 April 2026:

JSE All Share Index 116 565.97
JSE Resources Index 73 000.40
JSE Industrial Index 137 970.36
JSE Financial Index 61 767.32
JSE Precious metals 144 927.39

At the same time last year the JSE All Share Index was 90 720.33.

The JSE All Share Index ended last week (24 April ) on 116 565.97 points and currently stands on 114 938.22.

Oil prices rose 1% on Tuesday, extending gains from the previous session, as efforts to end the US-Iran war appear stalled, with the crucial Strait of Hormuz waterway still mainly shut, keeping energy supplies from the key Middle East producing region out of the reach of global buyers.

Based on this, if fuel prices were to change now, a massive increase of almost R6 per litre in diesel prices would yet again hit motorists, farmers, the country's distribution network for most consumer goods - and therefore consumers for a second round. This would push the wholesale price of diesel close to R32 a litre in Gauteng (R31 on the coast). Only one more week is left of the four-week period determining May's fuel prices, and the under-recoveries, rounded, look grim. Petrol around R2.14 per litre and diesel around R5.93 per litre.

Later in the week, Treasury announced that it will extend its fuel levy relief into May - and increase support for diesel - as more price hikes loom.

Point of interest!

The Johannesburg Stock Market took enormous strain this week.

I don't think that anybody is believing the timelines for ending the war in Iran that are constantly been issued by US President Trump. This is evident in the ongoing uncertainty in global economies and markets..so my cautions aired here over the past number of weeks remains fully in place.

Be very careful about any decision you wish to make concerning your investments and, if necessary, enlist the services of a trusted, experienced financial adviser to assist you.

REMEMBER...you have experienced a loss in value only at this stage and will recover the lost value if you hold your investment, however, if you sell out of your investment you will capitalise your loss and suffer a real monetary loss.

CGS Insurance Brokers is an Authorised Financial Services Provider. FSP 13943.
Should you not want to receive this email, please reply and request your email address be removed from our list. It will be done immediately.

Kind Regards,

Des Scherwitz | FSA™
082 374 3489
[email protected]

4A Princes Road, Vincent, East London, 5241
Tel: 043 726 6485
Website: cgsbrokers.co.za

Authorised Financial Services Provider

For all your financial planning needs Complete financial analysis, risk planning, retirement planning, medical aids, investments, personal savings plans, estate planning and wills, business assurance and short term insurance.

Confidentiality notice
The contents of this e-mail and any files or attachments transmitted with it are confidential, may be legally privileged and may not be disclosed to, copied or used by anyone other than the addressee, nor may it be used or copied without the consent of the sender. The contents of this e-mail and attachments shall not be binding on CGS Insurance Brokers unless signed by its duly authorised representatives. While we have taken reasonable precautions against viruses, we do not accept liability for any damages as a result of software viruses. If you are not the intended recipient, please tell us by reply and delete all copies on your system.

29/04/2026

💡 Pay Yourself First — Your Future Depends On It

When was the last time you invested in yourself?

Too many South Africans reach retirement age without enough savings to maintain their lifestyle. The reality is simple: waiting “until later” often means it never happens — and saving too little can be just as risky as not saving at all.

📊 The statistics are clear: a large percentage of South Africans cannot afford to retire comfortably.

The good news? You can change that — starting today.

✔️ Make your future a priority
✔️ Start saving before spending
✔️ Stay consistent, even with small amounts

⏳ The earlier you start, the more time your money has to grow.

Don’t delay your financial freedom. Pay yourself first and build the retirement you deserve.
Retirement annuities - Minimum contributions are R350pm (depending on your age)

24/04/2026

Good day,
The FTSE/JSE All Share closed up by 1.87% last week. The main Johannesburg Stock Exchange Indices stood at the following levels at close of business on Friday, 17 April 2026:

JSE All Share Index 121 249.37
JSE Resources Index 77 754.39
JSE Industrial Index 141 248.49
JSE Financial Index 63 619.80
JSE Precious metals 159 003.93

At the same time last year the JSE All Share Index was 89 486.79.

The JSE All Share Index ended last week (17 April ) on 121 249.37 points and currently stands on 116 108.04.

PPS Markets Insights reported that gold production in South Africa rose by 12.8% year-on-year in February 2026, highlighting improved output in a key export-linked commodity on confidence.

Mining production rose 9.7% year-on-year in February 2026, the strongest growth in two years, driven by precious metal output despite weaker coal and iron ore.

South Africa's 10-year bond yield hovered near 8.5%, reflecting global risk sentiment and oil price sensitivity, with energy costs continuing to pose inflation and rate risks.

The inflation rate inched up to 3.1% in March, from 3% in February, and food price inflation also cooled slightly to 3.6% (from 3.7%). The March inflation rate was in line with economists' expectations, but is expected to be the lowest point in months to come amid the fallout of the Iran war.

Following the large April increases in fuel prices, of more than R3 for petrol and R7.50 for diesel, the expectation is for inflation to breach 3.5% in the current month. The April number will only be known in mid-May.

Point of interest!

I don't think that anybody is believing the timelines for ending the war in Iran that are constantly been issued by US President Trump. This is evident in the ongoing uncertainty in global economies and markets..so my cautions aired here over the past number of weeks remains fully in place.

Be very careful about any decision you wish to make concerning your investments and, if necessary, enlist the services of a trusted, experienced financial adviser to assist you.

REMEMBER...you have experienced a loss in value only at this stage and will recover the lost value if you hold your investment, however, if you sell out of your investment you will capitalise your loss and suffer a real monetary loss.

CGS Insurance Brokers is an Authorised Financial Services Provider. FSP 13943.
Should you not want to receive this email, please reply and request your email address be removed from our list. It will be done immediately.

Kind Regards,

Des Scherwitz | FSA™
082 374 3489
[email protected]

4A Princes Road, Vincent, East London, 5241
Tel: 043 726 6485
Website: cgsbrokers.co.za

Authorised Financial Services Provider

For all your financial planning needs Complete financial analysis, risk planning, retirement planning, medical aids, investments, personal savings plans, estate planning and wills, business assurance and short term insurance.

Confidentiality notice
The contents of this e-mail and any files or attachments transmitted with it are confidential, may be legally privileged and may not be disclosed to, copied or used by anyone other than the addressee, nor may it be used or copied without the consent of the sender. The contents of this e-mail and attachments shall not be binding on CGS Insurance Brokers unless signed by its duly authorised representatives. While we have taken reasonable precautions against viruses, we do not accept liability for any damages as a result of software viruses. If you are not the intended recipient, please tell us by reply and delete all copies on your system.

17/04/2026

Good day,
The FTSE/JSE All Share closed up by 2.50% last week. The main Johannesburg Stock Exchange Indices stood at the following levels at close of business on Friday, 10 April 2026:

JSE All Share Index 119 025.13
JSE Resources Index 76 025.91
JSE Industrial Index 138 444.96
JSE Financial Index 62 823.50
JSE Precious metals 154 017.13

At the same time last year the JSE All Share Index was 86 406.46.

The JSE All Share Index ended last week (10 April ) on 119 025.13 points and currently stands on 118 585.34.

PPS Markets Insights reported that South Africa's retail sales rose by a stronger-than-expected 4.2% year on year in January 2026, driven by solid clothing and general merchandise spending, pointing to firmer consumer demand.

Thanks to ongoing conflict in the Middle East and fluctuating international oil prices ($96.12, or R1 572.73 a barrel at the time of writing), South African motorists should brace for even higher fuel costs in May, with the latest data from the Central Energy Fund (CEF) showing growing under-recoveries across all fuel grades. The CEF's latest daily snapshot, published on April 14, points to petrol price increases of about R2.62/l for 93-octane and R2.99/l for 95-octane. Diesel users face far steeper rise, with 0.05% sulphur diesel expected to increase by R9.05/l and 0.005% sulphur diesel by R9.07/.

Point of interest!

The on again, off again war in the Middle East is still causing much uncertainty among investors, asset managers and analysts. The indices of the global stock markets are still fluctuating quite sharply...so my cautions aired here over the past number of weeks remains fully in place.

Be very careful about any decision you wish to make concerning your investments and, if necessary, enlist the services of a trusted, experienced financial adviser to assist you.

REMEMBER...you have experienced a loss in value only at this stage and will recover the lost value if you hold your investment, however, if you sell out of your investment you will capitalise your loss and suffer a real monetary loss.

CGS Insurance Brokers is an Authorised Financial Services Provider. FSP 13943.
Should you not want to receive this email, please reply and request your email address be removed from our list. It will be done immediately.

Kind Regards,

Des Scherwitz | FSA™
082 374 3489
[email protected]

4A Princes Road, Vincent, East London, 5241
Tel: 043 726 6485
Website: cgsbrokers.co.za

Authorised Financial Services Provider

For all your financial planning needs Complete financial analysis, risk planning, retirement planning, medical aids, investments, personal savings plans, estate planning and wills, business assurance and short term insurance.

Confidentiality notice
The contents of this e-mail and any files or attachments transmitted with it are confidential, may be legally privileged and may not be disclosed to, copied or used by anyone other than the addressee, nor may it be used or copied without the consent of the sender. The contents of this e-mail and attachments shall not be binding on CGS Insurance Brokers unless signed by its duly authorised representatives. While we have taken reasonable precautions against viruses, we do not accept liability for any damages as a result of software viruses. If you are not the intended recipient, please tell us by reply and delete all copies on your system.

10/04/2026

Good day,
The FTSE/JSE All Share closed up by 3.89% last week. The main Johannesburg Stock Exchange Indices stood at the following levels at close of business on Friday, 02 April 2026:

JSE All Share Index 116 122.75
JSE Resources Index 74 421.69
JSE Industrial Index 135 162.21
JSE Financial Index 61 022.58
JSE Precious metals 150 290.32

At the same time last year the JSE All Share Index was 81 553.66.

The JSE All Share Index ended last week (02 April ) on 116 122.75 points and currently stands on 118 304.84.

The Bureau for Economic Research reported that the seasonally adjusted ABSA Purchasing Managers' Index (PMI) rose by 1.6 index points from 47.4 to 49 in March 2026. In all, the PMI suggests that the sector has not yet experienced a significant impact from the war in the Middle East on activity. However, costs have already increased and that before the large fuel price increase which takes effect today.

Point of interest!

The very fragile and tentative two-week cease fire agreement between USA/Israel and Iran (which very few analysts believe will hold) has the stock markets of the world in a total tizz! This includes the price of oil.

During the past week we have witnessed both entities swinging rather wildly. Investors are so sensitised to the volatile situation that they are reacting in knee-jerk fashion to any and every development whether it is true or not.

Please do not fall into the trap of following this behavior...hold onto your investments...the geopolitical upheaval will resolve itself eventually and the stock markets will regain the value lost in a more dramatic fashion than the slide of the past weeks. Leave the worry of asset selection to the asset managers and analysts...let them cultivate ulcers...that's what they are paid for and they have far greater knowledge and expertise in asset selection than we do.

REMEMBER...you have experienced a loss in value only at this stage and will recover the lost value if you hold your investment, however, if you sell out of your investment you will capitalise your loss and suffer a real monetary loss.

CGS Insurance Brokers is an Authorised Financial Services Provider. FSP 13943.
Should you not want to receive this email, please reply and request your email address be removed from our list. It will be done immediately.

Kind Regards,

Des Scherwitz | FSA™
082 374 3489
[email protected]

4A Princes Road, Vincent, East London, 5241
Tel: 043 726 6485
Website: cgsbrokers.co.za

Authorised Financial Services Provider

For all your financial planning needs Complete financial analysis, risk planning, retirement planning, medical aids, investments, personal savings plans, estate planning and wills, business assurance and short term insurance.

Confidentiality notice
The contents of this e-mail and any files or attachments transmitted with it are confidential, may be legally privileged and may not be disclosed to, copied or used by anyone other than the addressee, nor may it be used or copied without the consent of the sender. The contents of this e-mail and attachments shall not be binding on CGS Insurance Brokers unless signed by its duly authorised representatives. While we have taken reasonable precautions against viruses, we do not accept liability for any damages as a result of software viruses. If you are not the intended recipient, please tell us by reply and delete all copies on your system.

Address

4A Princes Road, Vincent
East London
5247

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 - 16:00

Telephone

+27437266485

Website

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