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Old Mutual Personal Financial Advice

30/10/2026

Bonus season is coming. Give it a job before it lands.
This is a rule of thumb, not personal advice. Investment returns aren’t guaranteed, and your situation might need a different approach.
Chat to Marco for a plan that fits you.
T. +27 (0)13 759 1712 | C. +27 (0)71 280 1709 | [email protected]

28/10/2026

Most people set up funeral cover once and never look at it again.
Your life changes: new children, parents getting older, a new partner. Your cover should keep up.
Let’s check that it still fits your family.

T. +27 (0)13 759 1712 | C. +27 (0)71 280 1709 | [email protected]

26/10/2026

This one isn’t easy to think about. 🎗️
This month we’re thinking of everyone affected by breast cancer. Part of being prepared is knowing whether your plan pays out if you get sick, not just if you die.
Not sure what you have in place? Let’s have the conversation.

Book a time with Marco:
T. +27 (0)13 759 1712 | C. +27 (0)71 280 1709 | [email protected]

24/10/2026

Hard now, or harder later?
Every year you wait, you need to invest more each month to reach the same goal. That’s how compound growth works.
Which slide hit closest to home?
Investment returns aren’t guaranteed. Speak to an adviser about what suits you.

22/10/2026

Summer storms are back in the Lowveld. Mpumalanga has some of the highest lightning strike rates in South Africa. Lightning doesn’t have to hit your house to damage what’s inside it. A surge through the power lines is enough.

Run through this quick check before the next storm.
📌 Save it for when the thunder starts.

20/10/2026

Payday is coming. Before it lands, take 10 minutes to find out where your money actually goes each month.
Most people are surprised by what’s still coming off their account.
Thinking about cutting your insurance to save money? Talk to us first. There’s usually a better option than cancelling.

T. +27 (0)13 759 1712 | C. +27 (0)71 280 1709 | [email protected]

18/10/2026

The internet can’t stop talking about the flying car. We can’t stop thinking about potholes.
A bad pothole can cost R20,000 - R25,000 in tyres, rims and suspension. Here’s what to check:
✅ Does your policy cover pothole damage?
✅ Is the damage more than your excess?
✅ If not, can you claim from your municipality or SANRAL?
Take photos of the pothole, its location and the damage.

16/10/2026

Stop playing with your future. 👀 These are the money mistakes we see most often, and every one of them can be fixed.

- Treating your savings pot like a piggy bank. A two-pot withdrawal is taxed at your normal income tax rate. Do it every year and you're shrinking the money that's meant to carry you through retirement.
- Cashing out when you change jobs. It feels like a bonus. It's actually years of growth you'll never get back.
- Opening another tax-free account to "get more room". Your tax-free savings limit counts across all your accounts combined. Go over it and SARS charges a 40% penalty on the extra.
- Doing it alone and hoping for the best.

Wanting to get your finances right isn't the hard part. Having a plan, and someone to check it with, is. Let's plan for what matters. 💚

14/10/2026

Every age asks a different insurance question 👇
20s: "Do I even need this?" If anyone relies on your income, yes, and cover is cheapest when you're young.
30s: "Is my cover enough?" Ask how many years of income your family would need.
40s: "Why is my premium going up?" Check your premium pattern. Some rise every year with your age.
50s: "Can I still afford my cover?" Before you cancel, let's look at restructuring it.
60s: "What happens when I retire?" Cover through work usually ends when your job does.

12/10/2026

Claim or no claim? 🤔
Most rejected claims aren't about bad luck. They're about not knowing what the policy expects of you. With summer storms on the way, now's the time to know the rules.
📩 Send this to the person who says "I'm insured, I'm fine."

Address

Floor 1, Block 1, Riverside Office Park, 1 Aqua Crescent
Mbombela
1200

Website

https://linktr.ee/wmcassociates

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