This year has been a tough year for some. There wasn’t a week that has gone by in the last 6 months where I haven’t received a call or e-mail from a client or a potential client that has been retrenched.

It is unfortunate that on withdrawal from a retirement fund most members are not made aware of the invaluable benefits that they have.

Retirement planning can be very stressful and as Financial Advisers, we understand that serious decisions have to be taken regarding the implementation of your post-retirement plan.

People are often not aware of what benefits are covered under the term “Dread Disease” or “Critical Illness” provided by Life Assurance companies.

Endowments and unit trusts are both popular after-tax investment vehicles. Both allow you to invest with an investment manager guided by an investment mandate.