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Take responsibility for your financial future

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Why should you take responsibility for your financial future?

From a young age, one of the most important priorities in you life should be to take responsibility for your financial future. So many South Africans live on or under the bread line. Instead of enjoying their retirement years they worry constantly about survival. Sadly, many people in such unenviable situations have only themselves to blame; when they were earning they simply never planned for the future.

South Africa is not a socialist state in the true sense of the word. This means that it is not the responsibility of the government to take care of its citizens financially. You have to take responsibility for your financial future and the longer you wait the more difficult and expensive it is going to be! A sound financial plan for the future should cover at least the following issues:


Accepting responsibility for your financial future means that you must make sure that you will an income that will be sufficient to support a comfortable lifestyle. A financial advisor can help you to determine your most probable future needs. This can then lead to a comprehensive plan that will ensure income from various sources such as a pension fund, investments, income from rentals and dividends from a responsible share portfolio. Experts agree that the best course of action is to make sure that you have various sources of income when you retire. A catastrophe such as a stock market crash, for example, will then not leave you destitute.

Plan ahead

Wise people plan for the worst possible scenario. When taking responsibility for for your financial future you cannot afford to make assumptions. You need to think about the possibility that you may contract a debilitating disease, become disabled and dependent upon full time assistance or that you or your spouse may need to move into a high care facility. True, nobody wants to think about such things, but if such a calamity does occur you surely want to be able to pay for the very best care available. 

If you do not take responsibility for your financial future you are setting yourself up for a very difficult retirement. You cannot assume that your children or the state will care for you. It is never too late to start planning. So, have a good look at your financial situation and do something positive.