When do you need to make use of a Financial Adviser?

Your financial adviser is playing a key role in your future.  We are just going to touch on three of the most important subjects.   Retirement: It is always extremely helpful to hire a financial advisor when the time comes to seriously think about planning for the...

Who can you trust to carry out your last wishes?

The easy part of preparing a will is deciding who should receive what and if they should receive it immediately upon your death or whether a trust should be created. The difficult part follows – who can you trust to carry out your directions and who will act...

How To Use An Index Fund For Retirement

The great thing about index funds is that they are “set it and forget it” investments. But does that make sense for a retirement plan? Absolutely, and for a number of reasons. First, though, you should understand what an index fund really does. An index fund owns a...

The difference between a pension fund and a provident fund

The main difference is that if a pension fund member retires, the member gets one third of the total benefit in a cash lump sum and the other two-thirds is paid out in the form of a pension over the rest of the member’s life. A provident fund member can get the...