Co-payment This is the portion of any medical expense for which you are liable. The amount varies from one scheme to the next and between options.

South Africa’s healthcare landscape is divided between a public and private- sector.

Your retirement hinges on an asset manager’s ability to balance risk and return

Every gain or loss reflected on your retirement annuity or unit trust fund statement is underpinned by an asset management philosophy.

Millions of South Africans- supplement their employer-linked pension funds via additional contributions to retirement annuities and unit trusts.

This year will go down in history as a year of extreme stock market volatility.

Ask a stakeholder in the retirement provisioning space how much you should contribute to your retirement fund and they’ll probably say 15%.

Investors quickly forget about the losses they suffered in the previous stock market crash.

Options are abound for investors looking to save, writes <b>Gareth Stokes</b>.

People struggle to save because of easy withdrawal rules.

When it comes to short-term savings it seems our voracious consumption culture has confined ‘saving for a rainy day’ to history.

July 2011 National Savings month serves as a reminder to us all to review our financial plans and afford savings the priority it deserves.

You must save for short-term emergencies and ‘big ticket’ items such as household appliances and holidays.

There is no such thing as "get rich quick".

Over the past decade, banks and life insurers have created a range of products for the low-income market.

Saving is all about discipline and people spending less than they earn.

Tally up your assets and personal goods and purchase the necessary insurance cover to protect these items from all risks.

Private investors find protection from their ‘fear and greed’ investment responses in the asset allocation fund space.

As more investor cash flows in, the choice of asset manager becomes critical.

<b>Gareth Stokes</b> looks at ways to ensure you get the best mix of price, cover and benefit from your motor insurer.