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PSG Wealth Waterkloof Financial Planning

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PSG Wealth Waterkloof Financial Planning

We are qualified Wealth Advisers to help you decide how best to manage your money, invest successfully and insure yourself against life's uncertainties.

03/11/2026

🇿🇦 YOUR VOTE. YOUR VOICE. YOUR FUTURE.

Just as every financial decision helps shape your future, every vote is an opportunity to have your say in shaping our country’s tomorrow.

🗳️ Please note that PSG Wealth Waterkloof will be closed on Wednesday, 4 November 2026, to allow our team to cast their votes.

We encourage all eligible South Africans to make their voices heard and exercise their right to vote.

Our office will reopen on Thursday, 5 November 2026.

🇿🇦 Make your mark today for a better tomorrow!

02/11/2026

💰 Two investment options. Two different tax advantages. One important question:

Which one is appropriate for your financial goals?

As we approach the end of the South African tax year on 28 February 2027, it’s a good opportunity to revisit your Retirement Annuity (RA) and Tax-Free Savings Account (TFSA) contributions.

But here’s something worth understanding:

An RA and a TFSA don’t offer the same tax benefits.

🏦 Retirement Annuity (RA)

Contributions may reduce your taxable income, subject to SARS limits. Investment growth within the retirement fund is generally tax-exempt, while retirement withdrawals and benefits are subject to applicable rules and taxation.

🌱 Tax-Free Savings Account (TFSA)

Contributions are made from after-tax money, but qualifying investment returns and withdrawals are free from South African income tax, dividends tax and capital gains tax.

Both can play a valuable role in a financial plan, depending on your circumstances, goals and investment timeframe.

The important part is understanding how they work — rather than simply choosing one because of its tax benefits.

📅 Want to review your RA or TFSA contributions before the tax-year deadline? Book your FREE 30-minute financial advice session:

https://calendly.com/gericke-zondagh-psg/30min

TaxPlanning FinancialPlanning WealthPlanning SouthAfrica

29/10/2026

💰 Would you notice a 1% difference in your investment fees?

At first glance, it might not seem particularly important.

But over a long investment period, even a relatively small difference in annual costs can have a meaningful impact on the amount you accumulate.

Consider this hypothetical example:

You invest R100 000 for 30 years, earning an assumed 8% annually before fees.

📊 Scenario A: With a simplified 1% annual fee, the investment grows to approximately R761 226.

📊 Scenario B: With a simplified 2% annual fee, it grows to approximately R574 349.

That’s a difference of roughly R187 000.

Of course, actual investment returns fluctuate, fee structures vary and this example excludes taxes and inflation.

And there’s an important distinction:

The cheapest investment isn’t automatically the most suitable investment.

Professional advice, portfolio management and other services can provide value.

What matters is understanding the total costs, the services you’re receiving and whether your investments remain aligned with your financial goals.

Because when it comes to long-term wealth creation, what you keep matters — not only what you earn.

📅 Want to review your investment strategy and better understand the costs involved? Book a FREE 30-minute financial advice session:

https://calendly.com/gericke-zondagh-psg/30min

LongTermInvesting FinancialEducation WealthPlanning SouthAfrica

28/10/2026

🎾 Not every point in padel is lost because of a massive mistake.

Sometimes it’s the little things.

A rushed return.

A ball that clips the net.

A moment of poor positioning.

One small mistake might not change the match.

But repeated often enough?

Those points can add up.

Our finances can work in a similar way.

We tend to pay attention to the big expenses:

🏡 Our bond.

🚗 Our car.

💰 Our major financial commitments.

But what about the smaller costs we barely notice?

Monthly fees.

Unused subscriptions.

Unnecessary interest.

Repeated convenience purchases.

Individually, they may seem insignificant.

But over time, they can affect how much money remains available for your financial goals.

This isn’t about eliminating every little luxury.

It’s about knowing where your money is going and whether those expenses still make sense.

🎾 It’s not always the big shots that cost you. Sometimes, it’s the little mistakes that add up.

📅 Want to take a closer look at your financial game plan? Book a FREE 30-minute financial advice session:

https://calendly.com/gericke-zondagh-psg/30min

FinancialAwareness WealthPlanning PersonalFinance

26/10/2026

💸 When last did you check what you’re actually paying for every month?

Not your bond.

Not your car.

Not your groceries.

We’re talking about the smaller amounts that quietly leave your account.

📱 Subscriptions you barely use.

🎬 Streaming services you forgot about.

💳 Monthly account charges.

📦 Delivery memberships.

📲 Apps that renew automatically.

Individually, these expenses may seem insignificant.

But imagine you’re paying for five services at R149 each.

That’s R745 per month.

Or R8 940 per year.

Now, there’s nothing wrong with paying for services that genuinely add value to your life.

The question is whether those expenses are still intentional.

Because financial planning isn’t necessarily about cutting out everything you enjoy.

It’s about making sure your money is going towards things that actually matter to you.

This week, take a few minutes to review your recurring payments.

You might be surprised by what you discover.

📅 Want to understand how your everyday financial decisions fit into your bigger financial plan? Book your FREE 30-minute financial advice session:

https://calendly.com/gericke-zondagh-psg/30min

WealthPlanning FinancialWellness SouthAfricanFinance

22/10/2026

📋 Your life may have changed. But has your financial paperwork kept up?

Getting married.

Having children.

Buying a home.

Going through a divorce.

Taking on new financial responsibilities.

These milestones can change who depends on you financially.

But there’s one important task that often gets overlooked:

Reviewing your beneficiary nominations.

In South Africa, different financial products can have different rules regarding death benefits.

For example, retirement fund death benefits are generally subject to Section 37C of the Pension Funds Act. This means your nomination is important, but it doesn’t necessarily guarantee how the benefit will be distributed.

Life insurance policies may operate differently, depending on their terms and beneficiary arrangements.

And your will plays another important role in estate planning.

The key is making sure these arrangements are considered together.

Because building wealth is important.

But planning for how that wealth and financial protection will support the people who matter to you is important too.

📅 Want to review your estate planning and beneficiary arrangements as part of your financial plan? Book a FREE 30-minute financial advice session:

https://calendly.com/gericke-zondagh-psg/30min

RetirementPlanning FinancialProtection WealthPlanning SouthAfrica

21/10/2026

🎾 You can practise every shot, perfect your technique and have a great game plan.

But you still can’t predict every bounce.

Sometimes the ball hits the glass and changes direction completely.

Life can do the same.

An unexpected illness.

An injury.

A sudden change in income.

A new financial responsibility.

We can’t always control what happens next, but we can take steps to prepare financially for certain risks.

That’s where a comprehensive financial plan becomes so important.

It’s not only about growing your investments.

It’s also about considering:

🛡️ Appropriate risk protection

💰 Emergency savings

👨‍👩‍👧‍👦 Financial dependants

📋 Estate planning

🎯 Long-term financial goals

Because a financial plan should help you prepare for life’s unexpected turns, not only its planned milestones.

🎾 You can’t control every shot. But you can prepare for the unexpected.

📅 Want to review how well your financial plan prepares you for life’s uncertainties? Book your FREE 30-minute financial advice session:

https://calendly.com/gericke-zondagh-psg/30min

FinancialPlanning WealthManagement FinancialSecurity

19/10/2026

💭 Here’s a financial question we don’t ask often enough:

What would happen if your salary stopped tomorrow?

Not because you resigned.

Not because you planned a career break.

But because an unexpected illness or injury meant you couldn’t work for an extended period.

Your income might stop.

But your expenses probably wouldn’t.

🏡 Your bond or rent would still be due.

🚗 Your car payment wouldn’t disappear.

🛒 Your family would still need groceries.

And your financial responsibilities would continue.

We spend a lot of time thinking about protecting our homes, vehicles and possessions.

But what about protecting the income that helps pay for all of them?

Income protection can be an important part of a financial plan, depending on your circumstances, existing benefits and needs.

The question isn’t only how much you earn.

It’s also how financially prepared you would be if that income was interrupted.

📅 Want to review the protection side of your financial plan? Book your FREE 30-minute financial advice session:

https://calendly.com/gericke-zondagh-psg/30min

WealthPlanning FinancialWellness SouthAfrica

16/10/2026

PSG Financial Services released its Interim Results today for the 6-month period ending 31 August 2026, achieving a 5% increase in recurring headline earnings per share and a return on equity of 26.5%. Assets managed by PSG Wealth increased by 12% to R504.9 billion.

CEO Francois Gouws says, “Despite challenging market conditions, PSG Wealth delivered performance in line with historical trends.” Read more: www.psg.co.za/investor-relations

15/10/2026

🧠 Are you researching your investments — or simply looking for reasons to believe you’re right?

It’s a question worth asking.

As humans, we naturally prefer information that supports what we already believe.

This is known as confirmation bias.

And it can quietly influence financial decisions.

Imagine being convinced that a particular investment is going to perform well.

You read positive articles.

You follow analysts who agree with you.

You notice every piece of information supporting your opinion.

But what happens to the information that challenges it?

Sometimes, we dismiss it without giving it proper consideration.

The danger is that confidence can grow even when our understanding remains incomplete.

Before making an investment decision, try asking:

“What evidence would make me reconsider my opinion?”

An objective investment process should consider both potential opportunities and risks.

Because the goal of research isn’t to prove yourself right.

It’s to make a well-informed financial decision.

📅 Want an objective perspective on your investment strategy? Book a FREE 30-minute financial advice session:

https://calendly.com/gericke-zondagh-psg/30min

FinancialPlanning InvestmentStrategy InvestorBehaviour WealthPlanning

Address

377 Lois Avenue, Waterkloof Glen
Pretoria
0181

Opening Hours

Monday	08:00 - 04:00
Tuesday	08:00 - 04:00
Wednesday	08:00 - 04:00
Thursday	08:00 - 04:00
Friday	08:00 - 02:00

Website

https://www.psg.co.za/contact-us/branches/waterklooffinancialplanningdulcieweyks

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