André Masuret Makelaars BK

22/09/2025

15/04/2024

Vakature: P/A Administratiewe Persoon vir Makelary

Vereistes:

1. Graad 12 / Matriek (min)
2. Tweetaligheid ( Afrikaans & Engels)
3. Vermoë om probleme op te los
4. Goeie beplanning en organisasievermoë
5. Vermoë om selfstandig te werk
6. Goeie kommunikasievermoë
7. Tik-en-rekenaarvaardighede (noodsaaklik)
8. Ervaring binne die finansiële dienste bedryf sal `n aanbeveling wees

E-pos u CV, afskrif van ID en stawende dokumente na [email protected] om ons teen 18 April 2024 te bereik.
(Dit is die enigste metode, per pos of hand sal nie aanvaar word nie)

As u nie binne 10 dae na sluitingsdatum van ons verneem nie, aanvaar asseblief dat u aansoek onsuksesvol was.

09/02/2024

Seven reasons to invest in a retirement annuity

Investing in a retirement annuity (RA) provides the flexibility to choose your investment partners and tailor investment options with guidance from your financial planner. You control when and how much to invest, along with your preferred underlying unit trust choices. While workplace retirement benefits often involve minimum contributions, topping them up with an RA is advisable, enhancing your retirement savings for a more substantial income in your later years.

Here are 7 reasons why an RA makes sound investment sense:
1. Kick-starting your retirement savings: An RA is suitable for full-time employees, contract workers or the self-employed, serving as a standalone solution or part of a broader retirement savings plan.
2. Tax benefits: A portion of the contributions is tax deductible, up to 27.5% of taxable income or remuneration (to a limit of R350 000 per year). No tax on interest or dividends, and no capital gains tax apply. Read more here.
3. Versatile retirement savings: RAs offer diverse investment options including funds, risk-profiled solutions and share portfolios, customizable to your needs and risk profile.
4. Affordability: Even a modest monthly investment can significantly impact your retirement savings. Use a retirement calculator to determine your ideal monthly contribution.
5. Creditor protection: In case of insolvency, your RA is shielded from creditors, ensuring your savings remain intact for their intended purpose, namely retirement.
6. Locked-in investment until age 55: Committing to an RA until retirement age ensures long-term growth. Restricting access to the investment until at least age 55 prevents impulsive withdrawals. Learn more here.
7. Tailored to your risk profile: RA investment options are aligned with your risk profile, assessed by a financial planner considering your changing needs, lifestyle and risk appetite over time. The table below exemplifies retirement outcomes for investors contributing R500 a month to an RA.*

09/02/2024

Sewe redes om in ʼn uittree-annuïteit te belê

ʼn Belegging in ʼn uittree-annuïteit (UA) gee jou die buigsaamheid om met die leiding van jou finansiële beplanner jou beleggingsvennote te kies en beleggingsopsies aan te pas. Jy bepaal wanneer en hoeveel jy wil belê, saam met die onderliggende effektetrustfondse van jou keuse. Aangesien aftreevoordele in die werkplek dikwels net op minimum bydraes berus, is dit raadsaam om dit met ʼn UA aan te vul en daarmee jou aftreespaargeld te verhoog om in jou later jare ʼn groter inkomste te kry.

Hier is 7 redes hoekom ʼn UA uit ʼn beleggingsoogpunt sinvol is:
1. Gee jou aftreespaargeld ʼn hupstoot: ʼn UA is geskik vir heeltydse werknemers, kontrakwerkers of persone wat selfwerksaam is. Dit kan ʼn selfstandige oplossing wees of deel van ʼn breë aftreespaarplan uitmaak.
2. Belastingvoordele: ʼn Gedeelte van die bydraes is belastingaftrekbaar tot 27.5% van belasbare inkomste of vergoeding (tot ʼn maksimum van R350 000 per jaar). Geen belasting is op rente of dividende betaalbaar nie, en ook geen kapitaalwinsbelasting nie. Lees hier verder.
3. Veeldoelige aftreespaargeld: UA’s bied uiteenlopende beleggingsopsies soos fondse, risikoprofiel-oplossings en aandeleportefeuljes, en kan volgens jou behoeftes en risikoprofiel aangepas word.
4. Bekostigbaarheid: Selfs al belê jy net ʼn klein bedraggie elke maand, kan dit ʼn beduidende impak op jou aftreespaargeld hê. Gebruik ʼn aftreeberekenaar om jou ideale maandelikse bydrae te bepaal.
5. Beskerming teen krediteure: In die geval van insolvensie sal jou UA teen krediteure beskerm wees. Dit sal verseker dat jou spaargeld onaangeraak bly vir die doel waarvoor dit bestem is, naamlik aftrede.
6. ʼn Vaste belegging tot ouderdom 55: Die verbintenis tot ʼn UA-belegging tot op aftree-ouderdom verseker langtermyngroei. Die beperking van toegang tot die belegging totdat jy minstens 55 is, voorkom impulsiewe onttrekkings. Kry hier meer inligting.
7. Aangepas by jou risikoprofiel: UA-beleggingsopsies word aangepas by jou risikoprofiel, wat deur ʼn finansiële beplanner geëvalueer kan word met inagneming van jou veranderende behoeftes, leefstyl en risiko-aptyt oor tyd. Die tabel hieronder illustreer aftree-uitkomste vir beleggers wat R500 per maand tot ʼn UA bydra.*

09/01/2024

Wenke vir finansiële fiksheid in die nuwe jaar

Hier aan die begin van ʼn nuwe jaar het baie van ons die voorneme om ons lewe op verskillende maniere te verbeter, en een van die belangrike aspekte wat dikwels bo-aan die lys is, is finansiële welstand. Ongeag in watter finansiële posisie jy is, dit kan altyd beter.

Hier is ʼn paar wenke wat die weg kan baan vir finansiële fiksheid in die nuwe jaar:

1. Werk met ʼn plan
As jy versuim om te beplan, beplan jy om te faal, soos die gesegde lui. En dit geld veral vir jou geldsake. Wanneer jy na jou planne en doelwitte kyk, d**k kort, medium en lang termyn, en onthou dat niks wat die moeite werd is, verkry word sonder ʼn weldeurdagte plan wat dit ondersteun nie. Gesels met ʼn finansiële beplanner om jou te help om sukses te behaal.

2. Stel ʼn begroting op... en hou daarby
As jy nie begroot nie, gaan jy nie weet hoeveel jy het en hoeveel jy nodig het om jou maandelikse uitgawes te kan dek nie. Niemand kan hul geldsake suksesvol bestuur as hulle nie weet wat hul inkomste en uitgawes is nie.

3. Vermy slegte skuld
Moenie in die versoeking kom om groot items te koop wat jy nie kan bekostig nie. As jy iets koop waarvoor jy nie kontant kan betaal nie, sal dit jou oor die langer termyn baie meer kos en druk op jou maandelikse begroting plaas. Spaar liewer vir iets wat jy nodig het of graag wil hê, in plaas van om skuld aan te gaan.

4. Stel die beloning uit – streef doelwitte na
Ons hou almal daarvan om onsself te beloon vir harde werk. Onthou net – sorgvuldige beplanning om ʼn gewenste uitkoms te hê op ʼn tydstip wanneer ons dit kan bekostig, is baie meer werd as om onmiddellik beloon te word op ʼn tydstip wanneer ons geldsake onder druk is. Kweek die gewoonte aan om te spaar en reël outomatiese aftrekkings van bydraes tot jou spaar- en beleggingsrekeninge. Begin vroeg beplan vir aftrede.

5. Maak dit ʼn prioriteit om te spaar, nie bloot ʼn nagedagte nie
Dit sal spaar gelykstel met elke ander element van jou finansiële plan en begroting – en dis presies waar dit behoort te wees.
Finansiële fiksheid is ʼn reis wat toewyding, dissipline en volgehoue inspanning verg. As jy hierdie wenke toepas, kan jy ʼn stewige grondslag vir ʼn voorspoedige en veilige toekoms skep. Onthou, gereelde klein treetjies kan groot finansiële vordering beteken. Mag die nuwe jaar verrykende ervarings en finansiële fiksheid inhou!

09/01/2024

Tips for a financially fit year

As we step into a new year, many of us aspire to better our lives in various ways, and one of the key areas often at the forefront is financial well-being. Regardless of where you stand financially, there’s always room for improvement.

Here are some tips to pave the way for a financially fit year:

1. Work with a plan in mind
If you fail to plan, you plan to fail, as the saying goes. This couldn’t be truer when it comes to your finances. Think short, medium and long term with regard to your plans and goals, and remember that nothing worthwhile happens without a solid plan to support it. Speak to a financial planner to help set you up for success.

2. Budget… then stick to it
Failing to budget will leave you in the dark when it comes to knowing how much you have and how much you need, to be able to cover your monthly expenses. No one can make a success of their finances without having a grip on what comes in and what goes out.

3. Avoid bad debt
Don’t be tempted by material purchases you can’t afford. Purchasing something that you cannot afford to pay cash for will cost you much more over the longer term and will put pressure on your monthly budget. Rather save for something you need or want than push yourself into the red.

4. Delay gratification – work towards goals
We all love to reward ourselves for working hard. Just remember, careful planning to achieve a desired outcome at a time when we can afford it, is worth far more than instant gratification at a point when we’re financially under strain. Make saving a habit and automate regular contributions to your savings and investment accounts. Start planning for retirement early.

5. Make saving an imperative, not an afterthought
Doing this will put saving on par with every other element of your financial plan and budget – and that’s exactly where it should be.

Financial fitness is a journey that requires commitment, discipline and continuous effort. By implementing these tips, you can lay a strong foundation for a prosperous and secure future. Remember, small steps taken consistently lead to significant financial progress. Here’s to a financially fit and fulfilling year ahead.

11/12/2023

How to know if you have the right cover

Having life cover is essential, but statistics show that people also face illness and disability during their working life.

To assess if you have the right financial cover to meet your life and disability needs, ask yourself: “What would happen if…” and think of scenarios that could pose a financial risk.

For instance, if you are diagnosed with cancer, do you have critical illness cover to help pay for cutting-edge treatment? If you are unable to work for a month, do you have income protection? Or if you become permanently disabled, would you be able to afford to adapt your home and lifestyle? Getting the right blend of cover is vital to ensure your needs are met if life throws a curveball at you.