{"id":3675,"date":"2020-12-28T08:00:45","date_gmt":"2020-12-28T06:00:45","guid":{"rendered":"http:\/\/contattoblogs.timslatter.co.za\/?p=3675"},"modified":"2020-12-28T08:00:45","modified_gmt":"2020-12-28T06:00:45","slug":"whos-advice-are-you-taking-seriously","status":"publish","type":"post","link":"https:\/\/zcp.co.za\/main\/whos-advice-are-you-taking-seriously\/","title":{"rendered":"Who&#8217;s advice are you taking, seriously?"},"content":{"rendered":"<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Times of festivities and celebrations are often paradoxical in that we want to see friends and family, but we find that when we\u2019re with the ones we don\u2019t often see (only for big occasions and end-of-year-bashes), they have opinions that challenge our own and they\u2019re all too willing to offer advice that we haven\u2019t asked for.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">This is okay &#8211; we don\u2019t have to take their advice too seriously, especially when it comes to managing our money. You can choose to stick to the advice of your trusted financial advisor.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">When it comes to managing our finances, listening to too many voices can be dangerous. It\u2019s often said that when you\u2019re buying a car, the more people you speak to the more confused you\u2019ll become. The same is true of your finances.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">In our relationship, we want to help you avoid common financial planning and investment mistakes. This doesn\u2019t happen once a year at a lunch party where the financial conversations tend to be rather superficial. This happens regularly and only after deeper conversations around meaning and purpose have been explored and brought into context by the money that you have.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">This is instrumental in helping you make decisions that are right for your circumstances and, importantly, helping you to avoid the pitfalls of investing on your own. Recently published on Allan Gray\u2019s website, here are some powerful reminders of why those who have financial advisors (and take their advice\u2026) fare financially better.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Investing without a plan<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">A well-crafted financial plan is a critical starting point for achieving financial freedom. If you don\u2019t know where you\u2019re going, how will you know when you get there? An advisor will help you to develop a workable plan to suit your personal financial goals and needs.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Investing in the wrong product<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The choice of products available is mind-boggling. Different products have different tax structures and different objectives. An advisor can help you make the choices that suit your circumstances.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Forgetting inflation<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Time can erode the value of your money, leaving you able to buy less with the same amount of rands. This is called inflation. By putting your money in the right investment, an advisor can help you achieve returns that, at least, compensate you for the length of time that you invest so that the value of your money is maintained.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>\u2018Blowing\u2019 your retirement savings when changing jobs<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">It\u2019s essential to preserve your retirement savings when you change jobs or if you are retrenched. If you don\u2019t, you probably won\u2019t be able to retire with enough money to live on. An advisor will encourage you to keep your savings intact.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Acting on your emotions<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Investors are known to be bad at timing the market and basing investment decisions on emotions. In addition, they tend to switch between investments too often, destroying the value of their savings. An advisor could help you avoid this pitfall.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">So &#8211; who\u2019s advice do you want to take seriously? When someone has skills, experience and qualifications that can help you AND has spent time understanding your needs and helping you put a plan in place that reflects your goals and your risk appetite &#8211; you take their advice, seriously.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Times of festivities and celebrations are often paradoxical in that we want to see friends and family, but we find that when we\u2019re with the ones we don\u2019t often see (only for big occasions and end-of-year-bashes), they have opinions that challenge our own and they\u2019re all too willing to offer advice that we haven\u2019t asked [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3677,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,28],"tags":[],"class_list":{"0":"post-3675","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-blog","8":"category-market","10":"post-with-thumbnail","11":"post-with-thumbnail-large"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Who&#039;s advice are you taking, seriously? 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