Tremor Investments
Insurance in Cape Town

We know we need to have afinancial plan that includes paying off debt, saving, investing and risk cover, but when are we ever going toget around to creating and implementing the plan? As a financial adviser I can help set up a financial plan to meet your goals without taking risks that you can’t afford, or maybe by taking more risks (training a bit harder) to reach those goals. As a financial adviser I am effectively a personal trainer for your financial well-being.

Life insurance protects those who depend on you, such as your wife, children and possibly, your parents. If you die prematurely, life insurance can settle your outstanding debt and provide on-going income to your dependents, until they are able to live comfortably without it. It can also provide for everyday expenses as well as potential legal, medical and funeral costs, should family savings not be sufficient to cover them. In reality, insurance is something everyone should have. We are Wealth Protection & Wealth Creation Specialists. Our clients gets educated in Wealth and Debt Management. Every household needs to have a financial plan that includes paying off debt, creating wealth and protecting your hard earned assets. You should discuss your personal financial needs and requirements with a qualified financial advisor before making any decisions. Scores of South Africans do this every year as they feel they are paying too much but aren’t receiving sufficient cover. How to decide between providers Most medical schemes recently announced their annual increases for next year. It is up to each consumer to conduct their own medical aid comparison and decide which benefits they most need. Things to know before you switch The best time of year to switch is toward the end of the year or early in the new year. You’ll need to let your current medical aid know you intend to leave their cover and have the new scheme activate cover on the next day. Choosing the best benefits It is important that you know exactly what it is you want in medical cover. The decisions you make in the early part of retirement will have a massive impact on your portfolio in ten years’ time and beyond. When you retire, your accumulated wealth cannot be recreated and you must be confident in your ability to make the best decisions for you and your family without professional guidance. Let’s now assume there is no saving by using an adviser. A good financial adviser will make sure you are positioned beneficially. That’s one of the key findings of the Savings and Investment Monitor survey released today. Young people (those below the age of 35) constitute over 50% of the South African adult population and need to grasp the urgency of saving and investing effectively as soon as possible. What’s more alarming, clients think that medical insurance and medical aid’s are more or less the same. The Minister of Health has said that most medical insurance schemes encourage collusion between patients and doctors, unnecessarily extending hospital stays in order to cash in. He also said that these plans encourage collusion between patients and doctors, unnecessarily extending hospital stays in order to cash in. You should discuss your personal financial needs and requirements with a qualifie financial advisor before making any decisions.