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        • Allan Gray Debit Order
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    • Preservation funds
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    • Participation Bond
    • Deposits
    • Business investment accounts
    • Private investment accounts
    • Exchange Traded Funds
    • Share investing
    • Personalised share portfolio
    • Retirement income
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    • Starting a Fund - What to Consider
    • Retirement Funds - Your Rights
    • What is Regulation 28?
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      • How to Select a Discovery Medical Plan
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      • Budgeting and cashflow management
      • Consumer Protection Act
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      • Retirement funds
    • Tax planning
    • Investment planning >
      • What are unit trusts?
      • Active and passive investing
      • Chasing fund performance may be hazardous to your wealth
      • Understanding risk on and risk off
    • Family trusts
    • Wills and estate planning >
      • Make a will
      • Administering an estate / Duties of an Executor
      • What the executor must do once appointed
    • Business planning
    • Frequently asked questions
  • Accounting & Tax
    • About us >
      • DAA Proatia Manual
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      • 2022 South Africa Budget and Tax Guide
      • 2020 South Africa Budget and Tax Guide
      • 2019 South Africa Budget and Tax Guide
      • 2017 South Africa Budget and Tax Guide
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    • Company Documents >
      • Privacy Policy
      • Complaints Resolution Policy
      • Conflict Of Interest Policy
      • PAIA Manual
    • Disclosures >
      • POPIA Consent
      • Email Confidentiality Notice And Disclosure
    • Company News >
      • Heritage Day 2015
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      • Questionnaires >
        • Pre-interview Elementary Test
        • Chinese Client Consultant Pre-interview Questionnaire
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    • Contact us >
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      • Fedgroup飞达参与分红债券
    • 申请新保险 >
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        • 为年老时存钱.
        • 闲钱投资.
        • 月领退休金.
        • 免税投资账户.
        • 投资型保单.
        • 股票.
        • 基金
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      • 汽车保险报价
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        • Discovery医保怀孕生产幼儿福利
        • 下载Discovery医疗保险证明
        • 下载Discovery医保税务证明
        • Sirago附加险索赔提交
      • 投资账户管理
      • 产物保险管理
      • 客服满意度问卷
    • 申请索赔 >
      • 申请车险索赔
    • 住院
    • 常用专科医生名称中英文对照
    • 出车祸处理
    • 设立遗嘱 >
      • 遗嘱的生效和不生效
      • 遗嘱的处分
      • 遺囑執行人被任命後
    • 聘德博为经纪人
    • 非居民在南非开银行账户
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    • 唐人街商铺联系方式
  • 财富管理
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    • 企业投资账户
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    • 孩子教育基金
    • 为年老时存钱 >
      • 退休需要認真金錢
    • 闲钱投资
    • 海外投资 >
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    • 免税投资帐户 >
      • 免税投资账户问答集(Q&A)
    • 月领退休金
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      • 如何挑选基金
    • 稳赢固定利率保单
  • 员工福利
    • 公司团体医疗保险Q&A
    • 员工福利Q&A
    • 公积金Provident Fund说明
    • 中小企业员工福利完整套餐
  • ​人寿保险
    • 为什么要购买人寿保险
    • 人寿保险的妙用
    • 人寿保险常见问题回答
    • 购买人寿保险流程
    • 美元人寿保险
    • 意外险
    • 特殊寿险产品
    • 重大疾病险 >
      • 身体健康检查重要指标
      • 全球癌症病例激增
      • 细数癌症之最
    • Sanlam意外险
    • Old Mutual绿光关怀计划.
  • 医疗保险
    • 南非的医疗保险介紹
    • 医疗保险Q&A 常见问题回答 >
      • Discovery COVID 疫苗注册
      • Discovery 非洲医疗福利
    • 如何选择医疗保险
    • Discovery医疗保险 2022更新摘要 >
      • Discovery医疗保险 2022 - 如何选择医保选项
    • Discovery医疗保险 2023更新摘要 >
      • Discovery医疗保险 2023 - 如何选择医保选项
    • Discovery Vitality活力健康计划 2023 >
      • 激活你的健活奖励
    • Bonitas医疗保险2023介绍
    • Momentum 2023
    • 医疗附加险 >
      • Discovery 附加险
      • Sirago 医疗附加险 2023 >
        • 医疗附加险法规改变
    • 紧急意外险
  • 财产险
    • 雇主责任保险
    • 建筑工程一切险
    • 商业火险
    • 车险
    • 暴动险 Sasria
    • 常见问题
  • 会计师事务所
    • 南非2021财政预算及税法
    • 南非2020财政预算及税法
    • 南非2019财政预算及税法
    • 南非2018财政预算及税法
    • 南非2017财政预算及税法
    • 南非2016财政预算及税法
    • 南非2015财政预算及税法
    • 南非2008财政预算及税法
  • 关于我们
    • 我们如何与众不同
    • 我們如何帮助客户 - 保险篇
    • 我們如何帮助客户 - 投资理财篇
    • 德博理财学院 >
      • 标准销售话术
Picture

Personal financial planning

Personal financial planning is about thinking about your finances, assess where you are now, who are dependant on you, and what goals you want to work towards in the future.

It is a journey. It is not just a point in time. It evolves as your personal circumstances change.

It is the discipline of getting your thoughts and ideas on a piece of paper, or in an electronic note on your phone, so you have a record. So you can commit yourself to it and review it from time to time.
Follow these steps in developing your personal financial plan:

1.

Assess your current situation

Think about and note down the following:
  • What are your sources of income? How much is you income after tax? Is your income fixed or variable?
  • What are your monthly expenses? Are these fixed or variable? Are there expenses you can cut down, to save money?
  • Every month, are you able to save money? Or you find yourself running out of money before the next paycheck?
  • How do you invest money?
  • Do you have dependants? Your parents? Your spouse and children? Your siblings? Who are financially dependant on you for support?
  • What are your assets, and their values? Assets are things that have value, and you can sell them for money. Examples are property, gold coins and cars.
  • What are your liabilities? Liabilities are the money you owe to another party, for example home loan, vehicle finance, credit card debt, personal loan.
​

2.

Visualise where you want to be

Think about and viualise where you want to be, in 2 years, 5 years and 25 years from now. In terms of your job or business, your level of income, your family, what you do and where you live. The kind of lifestyle and financial resources you'd like to get to.

So this is the "dreaming" stage. You dream, you discuss with your family and friends. You visualise, and you aspire towards.

Again, note these dreams and goals down. Be specific. The more specific you are, the more you are aware of them consciously and subconsciously, and you will be more motivated to work towards these goals and realise your dreams.

3.

Consult a Certified Financial Planner

If you are in the upper income tax brackets, you should consult a qualified financial advisor. Developing a comprehensive financial plan takes into account a lot of aspects, such as:

Budgeting and money management
Banking
Risk planning
Healthcare
Investment planning
Tax planning
Retirement planning
Asset liability matching
Dependants' needs
Financial forecasting
Offshore investing
Estate planning
Human behaviour and psychology


These can be complex and technical. A good financial planner is trained to work with you, to get information from you, understand your needs, then conduct financial analyses, and discuss the findings and recommendations with you.

A financial planner is a financial doctor. Like a medical doctor checks you for symptoms and causes, a financial doctor checks your financial affairs, to give you diagnosis and treatment.

Robert Kiyosaki, the best-selling author of Rich Dad, Poor Dad, attributes his success to having good advisors working for him. Advisors such as accountant, lawyer, financial advisor, banker. Have good advisors and pay them well. You will reap the rewards.

4.

Develop your plan of actions

There are many things to consider, and to do, to take you from where you are now, to where you wan to be in the future. Some of the key questions you should think about when developing your plan of action are:
  • How can I increase my level of income? Do I need to do further studies or training? What about having a career mentor? What about a second job?
  • What about starting a business? Or invest in a business?
  • What expenses can I cut down, to save money to invest?
  • Do I have an emergency fund in a bank account? Would it last me for six months if I am unable to work?
  • Do I need to get more life cover? Disability cover? Severe Illness cover?
  • How can I pay off my debts? Which one do I pay off first? By when do I when each one off?
  • How do I use the bonus I receive from the company? On holiday, buying a new car, or paying off home loan?
  • Do I invest my money, or pay off my home loan first?
  • What product should I use to invest for growth? Bank deposit, shares, unit trusts, or Stockvels? Offshore, US Dollars?
  • When I make money with my investments, do I have to pay tax? How much?
  • How much pocket money do I give to my children each month?
  • How do I pay my children's school fees? Monthly or annually in advance?
  • If I die, who is going to get my money? And my assets? My money in retirement funds?
  • ​Do I need a will? Who can draft a will for me?
  • Do I need more life cover? funeral policies?

Write down your plan of actions.

5.

Just do it!

An Achilles heel of many South Africans is talk, talk, talk, and no action. That's why politicians let us down. That is why people let their families down.

Your plan doesn't have to be perfect. If you have consulted a good financial planner, and you have a reasonably good, workable plan, then just do it. Focus on one or two things at a time. Action them. Once done, tick them off your list. Then focus on the next one.

Sportswear brand Nike famously coins the phrase "Just do it". It embodies action, positive thoughts, get off your bum. Don't wait for the perfect plan or the perfect moment. Just get on with it.

6.

Review your plan as your life changes

Your financial plan is a living document. It is not static. It is not something cast in stone. It needs to adapt and change with you, as your life changes.

The significant life-changing events are:
  • Go to university
  • Get first job
  • Go into business
  • Get married
  • Have a baby
  • Emigration
  • Relocation
  • Major accident
  • Severe illness
  • Suffer a disability
  • Change job
  • Lose a job
  • Divorce
  • Business failure
  • Lose a big sum of money
  • A death in the family.

And the list can go on. It is important to review your plan as your life changes, to see how you should change the plan to accommodate your changing needs and goals. Then change your course of actions accordingly.

Work with your financial planner to review your financial plan, and to check whether you are on track to reach your life goals. A good financial planner is your financial coach. He takes time to understand you, to guide you, to give you advice and ideas, and to hold your hand in times of panic and distress.

I hope this article is useful, giving you an insight of what personal financial planning is, and the framework of developing your financial plan.

If you have any questions we can help answer, please use the button below to book an online meeting with one of our financial planners.

If you are a business owner and/or professional, we would love to work with you to develop or review your financial plan. Schedule a meeting and see whether we can work with each other.
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