IWCP : Insurance & Wealth Creation Professionals

IWCP : Insurance & Wealth Creation Professionals Our expert team at IWCP ensures that your legacy is protected and your wealth is preserved.

Oil prices jumped ⛽ after Israel launched retaliatory strikes against Iran following a missile attack, adding fresh unce...
09/06/2026

Oil prices jumped ⛽ after Israel launched retaliatory strikes against Iran following a missile attack, adding fresh uncertainty to global markets 🌍. Rising tensions in the Middle East have also weighed on investor sentiment, while gold prices slipped as hopes for regional stability faded and market volatility increased 📉.

South African taxpayers should take note 📝 as SARS has confirmed that Tax Season 2026 opens on 13 July. Auto-assessments will be issued from 1–12 July, while non-provisional taxpayers have until 23 October to submit returns. Provisional taxpayers and trusts have until 22 January 2027 to file 📅.

In positive news 🇿🇦, South Africa has secured its first credit rating upgrade from Fitch since 2005 🎉. The upgrade reflects improved fiscal discipline, responsible government finances, and continued progress despite economic challenges and global uncertainty. The move is expected to boost investor confidence, support capital inflows, and strengthen South Africa’s standing in international markets 💰.

As always, markets will respond to geopolitical events and economic developments, but long-term investment success remains rooted in discipline, diversification, and staying focused on your financial goals.

💵 USD/ZAR: 16.50
💷 GBP/ZAR: 22.02
💶 EUR/ZAR: 19.05
🥇 Gold ($): 4,341.57
⚪ Platinum ($): 1,753.39
🛢️ Brent Crude ($): 94.41
📈 All Share: -3.93% YTD
📉 S&P500: 7.86% YTD
📊 FTSE: 4.24% YTD
🌍 ACWI: 9.17% YTD
🌐 EM: 23.18% YTD

Got a story we missed? Drop a comment!
📞 Call us on 011 678 8904, or visit iwcp.co.za

05/06/2026

Most people think investing is only about numbers, returns, or building wealth over time.

But one of the biggest reasons people invest is actually far more personal than that. It’s the feeling of knowing your future is being looked after. It’s having confidence that your goals, your family, your retirement, and the life you’re working so hard for are supported by a proper plan.

Because real financial peace of mind doesn’t happen by accident. It comes from small, consistent decisions made over time.

The greatest return on investment is confidence in your future.

At IWCP, we believe financial planning should help you build more than wealth. It should help you build certainty, stability, and confidence in what lies ahead.

64.8% of Liberty Group SA 's 2025 claims were from men. 35.2% from women.At first glance, that looks like a male problem...
02/06/2026

64.8% of Liberty Group SA 's 2025 claims were from men. 35.2% from women.

At first glance, that looks like a male problem. Look closer, and it is a household problem.

But something is shifting. More women are assuming the breadwinner role — and yet many still don't prioritise covering their own income earning capacity in the same way they would for those they love.

Most women focus on life cover. And life cover is essential. But life cover takes care of others when you are no longer there.

The bigger question is this: what happens if life happens, and you don't die?

Cancer is the leading claim cause for women at 29.7%. Cardiovascular disease at 14.4%. These are not events that always end in death. Increasingly, they are events people survive — without income, without cover, and without a plan.

More than 85% of breadwinners have no critical illness cover. The average breadwinner is underinsured by R3.1 million.

Life cover answers one question. Income protection and critical illness cover answer the one most people never think to ask.

Connect with an IWCP adviser to find out where you stand.

Source: Liberty Claims Statistics 2025 | ASISA Life and Disability Insurance Gap Study 2025

South Africa has a R50.4 trillion insurance gap.A growing shortfall putting millions of households at risk, and evidence...
29/05/2026

South Africa has a R50.4 trillion insurance gap.

A growing shortfall putting millions of households at risk, and evidence that many South Africans carefully choose where to invest their money, while few apply the same rigour to protecting it.

Liberty Group SA 2025 claims statistics are out. Think of this as your annual fact sheet for long-term insurance, the foundation most wealth-builders overlook.

LIBERTY 2025 AT A GLANCE

Total claims paid: R7.79 billion, up 7% (R275 million) on 2024

Total paid since 2006: R90.06 billion

Individuals and beneficiaries supported: 27 976

Claims by pillar:

Life Protection: R5.63 billion

Lifestyle Protection: R1.24 billion

Income Protection (lump sum): R660.6 million

Income Protection (monthly): R263.4 million

Top claim causes:

Cancer: 32.5% | Cardiovascular disorders: 22.2% | CNS disorders: 5.7%

For men specifically: Cancer (37.4%), Cardiovascular (26.6%), CNS (6.3%)

For women specifically: Cancer (29.7%), Cardiovascular (14.4%), CNS (5.4%)

64.8% of all claims were from men. 35.2% from women.

Your ability to earn an income is your single greatest asset. Before you own property. Before your portfolio compounds. Before your retirement savings accumulate.

You cannot build wealth you cannot protect.

Cancer and cardiovascular disease are the dominant claim causes for both men and women, not niche risks, but the statistical reality of what ends careers and derails financial plans at the peak of earning years.

Why the Lifestyle Protector is different:
Most people accept uncertainty as part of insurance. The Lifestyle Protector is built on the opposite principle: Premium Certainty, which means guaranteed discounts and guaranteed premiums.

Your discount is locked in from day one. Your projected premium over the guarantee term is the premium you pay. As your cover grows, the cost remains known. Your policy becomes a predictable, plannable line item in your wealth strategy, an asset protecting the asset that generates everything else.

R90.06 billion paid over 19 years. The data behind it made public, every year. That is not marketing. That is accountability.

At IWCP, we believe protection is not where financial planning ends. It is where it begins. Connect with one of our advisers to find out where you stand.

Behind every strong family is usually someone making quiet decisions no one else sees.The budgeting. The planning. The s...
26/05/2026

Behind every strong family is usually someone making quiet decisions no one else sees.

The budgeting. The planning. The sacrifices. The difficult conversations. The thinking ahead.

Financial planning isn’t only about money. It’s about creating stability, reducing stress, and giving the people you love more security and more options in life.

The small decisions you make today can shape your family’s future for years to come.

If you’ve been meaning to put a proper plan in place, maybe this is your sign to start the conversation.

22/05/2026

At some point, priorities shift.

You stop dreaming about “one day” and start thinking more seriously about what freedom actually looks like. More time with family. More travel. More flexibility. More choice.

Retirement isn’t just about stopping work. It’s about creating a life where your finances support the lifestyle you want to live, without stress or uncertainty hanging over you.

The earlier you start planning, the more options Future You will have.

At IWCP, we believe retirement should feel like freedom, not fear.

Oil prices continue to climb ⛽ as tensions between the US and Iran remain unresolved, keeping global markets on edge 🌍. ...
19/05/2026

Oil prices continue to climb ⛽ as tensions between the US and Iran remain unresolved, keeping global markets on edge 🌍. Concerns around supply disruptions through the Strait of Hormuz are adding pressure to inflation and reinforcing expectations that interest rates may stay higher for longer 📈

Global bond markets remain cautious 📉 as investors weigh the economic impact of rising energy costs, ongoing conflict risks, and the possibility of prolonged inflation. Precious metals stocks also came under pressure last week 🪙 as hopes of a quick resolution in the Middle East faded once again.

Despite the uncertainty, investors are moving money back into emerging markets like South Africa 🇿🇦 as expectations of higher global interest rates continue to support carry trade opportunities. Commodity-linked currencies are benefiting from renewed investor appetite, helping attract capital flows back into emerging markets 💰

The reminder for investors remains simple: markets will always react to uncertainty, but long-term financial decisions should remain grounded in strategy, not emotion. Stay informed, stay disciplined, and if you’re unsure, speak to your financial adviser.

💵 USD/ZAR: 16.59
💷 GBP/ZAR: 22.21
💶 EUR/ZAR: 19.32
🥇 Gold ($): 4,564.21
⚪ Platinum ($): 1,972.20
🛢️ Brent Crude ($): 108.44
📈 All Share: -1.11% YTD
📉 S&P500: 8.22% YTD
📊 FTSE: 3.79% YTD
🌍 ACWI: 8.46% YTD
🌐 EM: 19.51% YTD

Got a story we missed? Drop a comment!
📞 Call us on 011 678 8904, or visit iwcp.co.za

15/05/2026

In a world that feels more unpredictable than ever, stability has become one of the most valuable things a person can create for the people they love.

Not just financially, but emotionally too.

There’s something powerful about knowing your family is protected, prepared, and supported no matter what life throws your way. That kind of peace of mind doesn’t happen by accident. It comes from making intentional decisions today that create security for tomorrow.

Real wealth isn’t always loud. Often, it looks like planning ahead, building good habits, protecting your future, and creating options for the next generation.

Because one of the most powerful things you can build for your family… is stability. ✨

One decision today can completely change your future five years from now.Most people think wealth is built through big m...
12/05/2026

One decision today can completely change your future five years from now.

Most people think wealth is built through big moments.
In reality, it’s usually built through the small decisions made consistently over time.

Starting the policy, having the conversation or making the investment.
Creating the plan instead of delaying it for “one day”.

You don’t need to have everything figured out before you begin.
You just need to stop waiting for the perfect time.

Your future is already being shaped by the decisions you make today.

DM “Future” or comment below to connect with an IWCP Financial Adviser.

Behind so much strength, success, and stability is often a mother quietly making it all possible. 🌸To all the moms, gran...
10/05/2026

Behind so much strength, success, and stability is often a mother quietly making it all possible. 🌸

To all the moms, grandmothers, and mother figures, thank you for everything you do.

Happy Mother’s Day from all of us at IWCP.

Address

Sandton

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Monday 08:30 - 17:00
Tuesday 08:30 - 17:00
Wednesday 08:30 - 17:00
Thursday 08:30 - 17:00
Friday 08:30 - 17:00

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+27116788904

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