What are Shares?

Companies issue shares to raise the capital they need. Shares of most of the biggest companies in South Africa are "listed" on the JSE (the "stock market"). This means they are "public companies". Any member of the public has the right to own a part of a listed company. All you have to do is speak to your advisor and ask him to buy you shares in Company X. And there you are, you own a bit of that company!

A share that you buy on a stock market is exactly that! If you own shares, you own a small part of that company. It works like this ...A listed company issues shares to the public - usually many millions. These are then traded on the stock exchange. You decide the company is a good investment, so you buy, say, 1 000 shares. Because the company sometimes does well and sometimes not so well, the price of the shares can vary from one day to the next. Other factors, such as the overall economy, also affect share prices. As a result, next month or next year, the shares you bought may be worth more (or even less) than what you paid for them.

While you own the shares, you receive any dividends that the company declares. Dividends are the way companies reward shareholders by making distributions of a portion of profits.

Would you like to invest in shares?

When you invest in shares, you invest indirectly in the economy of the country.

Developing an investment strategy for each individual investor is utterly important, which will be discussed in greater detail next time...

Feel free to contact me with any queries: henk.neuhoff@liblink.co.za

Is your most valued asset protected?

Part 2...

As you gain experience and success over time, your income rises. You are the asset generating vehicle of your future!

Is your future protected?

What impact will a life changing event have on your retirement planning?

Even temporary loss of income can be difficult to recover from.




It is essential to protect your future potential income and your future potential retirement saving! Should you have had an increase/decrease in salary, acquired assets or had a change of heart, NOW is the perfect time to review your goals.




Please feel free to contact me.

henk.neuhoff@liblink.co.za

Is your most valued asset protected?

The ability to earn an income is often an individual’s most valuable asset.

One can never anticipate when tragedy will strike. Whether it is a car or household accident or diagnosis of a heart disease or cancer, unanticipated misfortune is the reason it makes sense to protect your income.

Without a regular monthly salary, would you and your family find it possible to cover your monthly expenses, bond & car repayments, food, medical bills, telephone accounts, school fees and day to day living cost?

Income Disability provides you with a monthly income when you are ill or injured and unable to work. This benefit pays you a temporary income if your illness or injury is transitory, a partial income if you suffer from a partial disability or an income until the end of the selected benefit term if the disability is permanent.

Benefits of Income Protection

• A monthly payment of as much as 75% of your income (Additional 20% with Top-Up)
  
• Total and partial disability benefits for temporary or permanent disability.
  
• Flexible Benefit Periods.
  
• Possible cover for rehabilitation expenses.
  
• The Opportunity to upgrade your cover over time.
  
• Optional inflation protection to help your cover keep up with the cost of living.
  
• Income Protection premiums are Tax-deductible.

Consider the following:

Can you afford to self fund you monthly income?

Can you live off your savings and is this what it was intended for?

Do you have emergency savings to see you through several months without a salary?

Should you have answered No to any of the questions above or had an increase or decrease in income, it is time to review your protection plan.

Please feel free to contact me.

henk.neuhoff@liblink.co.za