There are 4 main products everyone needs to have in place. These 4 prodcuts will ensure yours and your familys future is secure. 

1.      A Retirement Annuity – it’s never to early to start saving for your retirement. There are also tax benefits for having a retirement annuity. Each year your contributions must escalate to keep up with inflation.

2.      An Endowment or Unit Trust – the decision is based on the individual on which to choose. An endowment is tax free after 5 years and can only be accessed after the 5 years.  The unit trust can be accessed at any time but is taxed on withdrawal.

3.   Life Insurance – If you were to die tomorrow what expenses would still need to be covered? School fees, your bond, funeral expenses, groceries, car repayments - just to name a few. By having security that you will leave something in place for your loved ones will make it easier.

4.   A Will – don’t leave your loved ones to fight over what you have left behind. A simple Will can avoid so many hurdles and will help distribute your assets quickly and as you have wished.