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How to be debt-free by retirement

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The majority of income earners in SA will have to seriously downgrade their lifestyles when regular income stops coming in at retirement, cautions Phillip Kassel, a financial adviser at Liberty. “Most employees earn approximately 480 pay cheques in their working lifetime between the ages of 25 to 65.

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Tips for investing offshore

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Investors who ignore offshore opportunities deny themselves the significant benefit of exposure to a far wider range of stocks, says David Nathanson, portfolio manager at Bellwood Capital. Purchasing foreign equities is a starting point for long-term investors wishing to unlock the value of