Repost - Apologies friends had to repost this and eliminate that dark screen .
Пікірлер: 154
@maneoletsie18883 жыл бұрын
You deserve your own show on mainstream television🤞🏾. I’ve learnt more from you than what I needed to at school. Your videos are extremely helpful🖤
@leratomothopeng58533 жыл бұрын
Your points are so clear. I am 21 and I pay my own medical expenses. My medical aid is R2300, so imagine how much it will be when I get older n have dependents.
@rasapatel7453 жыл бұрын
I have to say as a fellow financial planner, I am so happy to have come across a channel like this. Education is key! You speak to practical problems, which is going generate thought in people vs product which is merely the solution to these problems. When the stats on how many South Africans can retire comfortably it’s scary, it’s not even at 10%. I’m especially glad you touched on inflation and life expectancy, people really don’t grasp how inflation can eradicate the value of your money over time and how modern medicine is keeping people alive longer, it’s a very real problem, I work mostly in a post retired market so I get to see the impact of poor planning for retirement, so I am very excited to see someone out there educating people! Well done!
@ziintle3 жыл бұрын
She isn’t a financial planner
@ayandambatha65163 жыл бұрын
Your video's always hit the spot with me as a Young black man Ms Mashile 😉. Keep up the good work, I'm learning so much from you.
@goitseonemodisane91033 жыл бұрын
You are the girl you think you are!!! Thank you for always coming through for us Nicolette! ❤️❤️❤️
@DKs_Journey13 жыл бұрын
I have been doing my FIRE number for 3 years now. I realized that people have no idea how much they need for their monthly expenses. Thank you for bringing this up, thank you for advicing us always 🥰🥰🥰😘😘
@lisanefertiti3 жыл бұрын
How did you calculate it
@zaneletriumph82283 жыл бұрын
I was doing my research on this topic this morning and I had a lot of questions.. Thank you for giving me clarity
@kirstenventer6805 Жыл бұрын
Whenever I have a question pertaining to finance I just check your videos ! Im 24 , I started watching your videos when I was 22 and you've literally changed my entire perspective towards money and my capabilities when it comes to where I can be and what life I can lead. Thank you !!!
@Nickster73 жыл бұрын
Thanks for fixing the black screen. Very informative video as usual. Thank you🙏🏽🙏🏽
@emaransat39723 жыл бұрын
Thank you so much for this information. Helped to clear a lot of questions I had.
@finsensetv3 жыл бұрын
Very hard hitting and necessary message Nicolette. Thank you very much. I am self introspecting.
@qaqambamoyo97632 жыл бұрын
This is so informative, thanks Nicolette and Team!
@cherylmangisi64183 жыл бұрын
Nicollette I cannot thank you enough for your videos I've learnt sooo much and this has been one of my favorite videos Keep it up ❤👏👏
@mahlodieva747 Жыл бұрын
I always look forward to your videos Nicolette, very informative, very eye opening, very educational. Keep feeding us beautiful Nicolette 👏🏼👏🏼👏🏼♥️♥️♥️♥️
@teem59453 ай бұрын
6:35 This is one of the reasons I discourage having more than one child. There are too many disadvantages for having two or more.
@Fsquared329 ай бұрын
This is so informative as a personal financial advisor. I hope many people would watch your channel.
@petuniapitso34412 жыл бұрын
Your videos are thought provoking, thank you
@jerarrdpandohe42563 жыл бұрын
The information you give is, priceless. Thank you 😊
@johannalerumo3 жыл бұрын
This video is rich with information. Thank you so much
@thandikhaile5823 жыл бұрын
Great advice about re-investing rental money. Just that at this point, it all goes to bonds payment & I even have to top up. But good to have this knowledge in hindsight. You are a star!
@ingagwiji34333 жыл бұрын
Yes Thandi for now we still paying the bond but 20years later the money will be coming directly to you and if you still working by then, you can re-invest or if not, it will help you to get your targeted monthly income after retirement ❤️
@inukadistributorfragrances8513 Жыл бұрын
I am a financial advisor. Great insight Bunny😊
@katlegomokone33933 жыл бұрын
concerns 1. Not all employers are contributing, I am contributing alone while permanent. 2. If currently you are not affording good things like medical aid, owning a house, brand new car, private schools for kids etc. How do you expect in retirement you will live well?
@nomkhithas77522 жыл бұрын
Thank you Nicolette for this video ❤️❤️❤️
@zephomalunga52513 жыл бұрын
Great advice.. On the aspect of other asset classes, it is my opinion that retirement plans are still more accessible and realistic for most people. And not to mention the great tax breaks. I however agree one has to ensure that contributions are enough to cover expenses in retirement..
@kurtsampson76773 жыл бұрын
So well explained really love your content!!!!!
@sarahnehemia11713 жыл бұрын
Nicolette im always cracked up by your disclaimer. You say it so boldly that you're not licensed and therefore not a professional financial manager/planner. Aikona enough is enough sweetheart, you need to get your papers in financials plz girl, you give more relevant advice than licensed ones so why not become licensed yourself ? Im behind you, go for it plz baby. Love you and take care.
@LesegoMadisaEllesG3 жыл бұрын
We are tired.
@achatwithgoitse3 жыл бұрын
She said she's not interested in getting the papers. Its ok. She just has to put the disclaimer out there so people don't sue etc.
@mali_billz2 жыл бұрын
I love the whole kiddies money learning book. Like wow😇🙌🏾👏🏾👏🏾
@xolisanontshe3 жыл бұрын
Thank you very much Nicolette, this makes a lot of sense and one has to do an introspection into life and my finances.
@MrLondon1002 жыл бұрын
Thank you so much for the great insight!
@dkkay17583 жыл бұрын
Amazing content once again. Thank you much
@mhlox6542 жыл бұрын
Ms Mashile, thank you for such rich information, its a habit of saving that we need to get ourselves into, I’ve got my 4year old into that mindset she is saving in Piggy bank every cash she receives
@THANDONDLOVU3 жыл бұрын
This is such an important topic. A retirement fund is not enough! We need to think about retirement wholistically
@iamneokay3 жыл бұрын
👀👀 Yazi things just got real...
@mercurialcal12913 жыл бұрын
Facts! 💯 taxes and fees are crazy as well. Many retirees running out of cash. Best to consider buying assets to retire comfortably. Thanks for sharing!! 👊👍💓💓💓
@tsetsezn3 жыл бұрын
Very insightful video
@Financeschristians3 жыл бұрын
This is a financial pill that need to be sold in pharmacies
@tshiredihemo8313 жыл бұрын
Great insight #LIGHT
@charles.m.molema47583 жыл бұрын
Got the visuals in order . . . 😊 Need to do some research Wonder where you were rushing to, 💐 We appreciate the time as always,Flawless . . .
@charles.m.molema47583 жыл бұрын
I really hope I meet you one day so that I may give you a big hug,feels comfortable hopefully. Looking happy😏
@charles.m.molema47583 жыл бұрын
@@masiitrades9502 Denise has a new partner? This is how I'm let down gently? Denise . . . 😑 Ever seen a hotdog especially the one with sides,fascinating process ! Miss the Foodieverse 😔 👇🏾 Will settle for steak&pap kasi version . . . Concept (street smart&book smart) Reduce the chemicals on your skin 💐🤍
@Financeschristians3 жыл бұрын
Thank you nicolette
@siphomabaso7213 жыл бұрын
Thank you for this... What are some of the Asset Classes you’d recommend one researches? I’ve only been thinking of Property. :(
@pearlsibisi9383 жыл бұрын
I love this kind of content! Thank you
@beautifulcrazy2 жыл бұрын
Good advice
@thubalenkosimatshilana32333 жыл бұрын
I needed this
@mmakgantsemmereki3 жыл бұрын
Thank youuuuuuu for the updated version🥰🤩😍🥰❤, the one uploaded yesterday didn't show the calculations.
@reaobakamoalosi49152 жыл бұрын
The amount that one can contribute to qualify as a deduction as per Section 11F of the income tax act is the lower of 27.5% or R350k, not 27.5% in isolation.
@thabile90722 жыл бұрын
Please you speak more about some of the retirement asset class and go into more detail
@shaheedcassim7983 жыл бұрын
It's still worthwhile going outside of your employer scheme and taking an RA on your own. Better diversification, no monopoly of fees(big corporates have their own institutions handling how your money is invested and how much fees that they going to charge, then they also tag along insurance products from companies that they have stake in and tell you the fees and insurance premiums are coming from the company's side of the contribution so you have to be okay with it) 😂further more you never tell your boss that you have spare cash😂😂😂you never going to get an increase again
@sbonzama70133 жыл бұрын
What type of Engineer is your dad? The bond issue is a problem. Buying a house over 35 can be an issue. Im blessed because i bought a house at 23 and i will be paying it off next year when ill be 37. Taking out another bond scares at my age ! In your old age you might also need some supplements. I sometimes help my mom with buying supplements and they are not cheap!
@okuhlephambiliokuhlephambi22873 жыл бұрын
But what if you do retirement from your nett salary after the tax does tax on payout still apply ?
@KushathaK2 жыл бұрын
Whats your advise for self employed people who dont have an employer to contribute to a pension fund? How can a self employed person plan for their retirement?
@HlumeloNdoni3 жыл бұрын
What if you are self employed, what are your options as a freelancer etc
@Kberry_3 жыл бұрын
Wow!! I’m self introspecting
@natefiftystandards3 жыл бұрын
I was listening very attentively serious and then you talked about abo "makhwepheni" and you slapped the seriousness out of my face.
@natefiftystandards3 жыл бұрын
@Pinned Financial Bunny sis Nichollete please block this idiot who is imitating yr channel
@jabulilejafta89213 жыл бұрын
Can a living annuity be transferred to a normal investment?
@sandilentshangase6213 жыл бұрын
This content is deep 🤔
@mwaamazing10553 жыл бұрын
How does one get hold of you?
@sahillarya063 жыл бұрын
Can you access Provident fund upon emergency ?
@mightylove3 жыл бұрын
You are the only one who knows whether your contributions would be enough or not. The HR people would not be able to assist you.
@mhlox6542 жыл бұрын
True, the service consultants with the fund are the best people to give such information
@Prynctn3 жыл бұрын
Some of us know we'll die before retirement age
@shaheedcassim7983 жыл бұрын
Most
@thepriestess59692 жыл бұрын
True
@thabelomudau9911 Жыл бұрын
hi Nicolet just wanted is allowed to have your Retirement annuity saved up towards buy property to rent it out ??
@Iyoh1012 жыл бұрын
Terrifying!
@leaperm34333 жыл бұрын
♥️
@tebohotau31572 жыл бұрын
So should i be able to get my funds if i resigned at work
@xolanimsipa76562 ай бұрын
There's a need of additional r.a because my employer (government)subsidises wuth 60% so you end up contributing 40%.😂
@lebogangmetsileng89693 жыл бұрын
Hi Nicolette, What happens if I am an intern then. Because with internships there is that type of contribution from the owner. Should you open your RA with a bank in the mean time. Also taking into consideration that in SA there is possibility for an individual to do a number of internships for quite sometime before real / permanent employment. Please advise on this.
@user-uh7vg1vl2t2 жыл бұрын
Thanks for connecting, there's something new I'll like to tell you about••• +1= (7 = 5 = 7) = (9 = 1 = 8) = (9 = 9 = 1 = 4) • ##=WhatsApp...........🤝
@user-uh7vg1vl2t2 жыл бұрын
Thanks~~~
@KaBoikago3 жыл бұрын
Please drop the link to where we can purchase the book.
@FinancialBunny3 жыл бұрын
Hey, it’s www.cocomoneybunny.com
@PrinceMas213 жыл бұрын
Sinabo makhwapheni... lol
@wellsaid71923 жыл бұрын
Well said and the truth.👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾😊👍
@lisanefertiti3 жыл бұрын
What is annuity?
@polyvia4403 жыл бұрын
It is a financial product that you purchase with a lump sum of money, in return of monthly/annual payments made to you for as long as you're alive
@poshonlinehustle58033 жыл бұрын
Hello dear
@TalkingMoneyWithNozi3 жыл бұрын
I discovered in 2016 that my employer is only contributing 5% of my income to retirement! That's way too little but I am glad that I found out while I am still young. I decided to invest for myself on the side to make up for the short fall.
@blessyJoyous3 жыл бұрын
@@masiitrades9502 you are a scam!!!!!!!
@khathulation3 жыл бұрын
I will definitely get the book for my 11 years old son, he is soo keen on finance staff, in his KZfaq channel he has 2 videos where he is talking about investing and the likes, please check him out on *Khathulation Videos* I'm definitely getting him that book and I know for sure he is going to review it on his channel, kindly advise if that is allowed
@khathulation3 жыл бұрын
Eish Nicollet, you got me thinking, I'm one of those that has supplemented my pension with RA, and now that I'm listening to you I'm thinking, but I have questions, is it possible to cancel the RA after so many years and get my money now? Anyway thank you for the information very informative
@zaneletriumph82283 жыл бұрын
To my knowledge some don't allow you to cancel unless In an undesirable event like disability
@khathulation3 жыл бұрын
@@zaneletriumph8228 Thank you very much, i was told i can cancel but i will not get the money until retirement time
@katlegoratshidi50703 жыл бұрын
I was thinking the exact same thing because I did this too :"")
@khathulation3 жыл бұрын
Lol, I wish I knew then, what I know now 😁
@khathulation3 жыл бұрын
But it's OK, thanks to everyone and Nicollet
@tlhokomelosilinda76943 жыл бұрын
Hi, can you hook me up with your old man for career mentorship. if possible
@lionesslamb70493 жыл бұрын
Girl🎯.
@amantlemashele57193 жыл бұрын
Hey, This 500k is exclusive of the TFSA neh?
@mightylove3 жыл бұрын
So you are saying that there are no benefits of supplimenting your pension/provident fund by opening an RA? I don't bilivithi 😠
@preciousprecious75813 жыл бұрын
She's saying it's not necessarily a waste but you are paying for fees and adnim fees that your employer is already paying, rather have a different asset class to put the money or do a volontary additional payment on your current fund. myself I have an RA just never thought of it like this
@mightylove3 жыл бұрын
@@preciousprecious7581 But what if the fees involved are less? Isn't diversification key? I thought we don't have to put all our money in one basket. Maybe I'm misunderstanding something 🤔
@mightylove3 жыл бұрын
@Pinned Financial BunnyIt's really encrypted. Please decode the first 3 numbers.
@Kim_Ngumbela3 жыл бұрын
I would never recommend a RA, I worked for well known insurance company specifically dealing with Retirement annuities, honestly, those payouts were ridiculous!! So not worth it. Rather put that money somewhere else where it will grow.
@mightylove3 жыл бұрын
@@Kim_Ngumbela Why use insurance company though?
@jamiemary59333 жыл бұрын
*Mr Zelly Chapman is legit and his method works like magic I keep earning every single week with his new strategy.*
@samuelteddy.4393 жыл бұрын
can you help me with the professional contact I hope that he can help me..
@penylop8323 жыл бұрын
wow I'm just surprised someone mentioned and recommended expert Mr_zelly Chapman I thought I'm the only one *tradlng* with him
@penylop8323 жыл бұрын
he helped me recover what I lost trying to trade for myself
@syvestertoothing71633 жыл бұрын
you don't need to be surprise because I'm also a huge beneficiary of expert Mr Chapman .
@syvestertoothing71633 жыл бұрын
He Has been handling my account for a while now
@jacobjacob41393 жыл бұрын
God & Government will take care.
@dewaldmatthysen33583 ай бұрын
Retirement the best years of a persons life?i really doubt that.weak body,age related diseases...doesnt sound fun to me
@elis.regina79553 жыл бұрын
My love, please don't get me wrong...I came here for the financial advise. But did I wake up in the wrong century, bc I see a lot of women nowadays wearing oversized faux lashes... LOL...how about mascara.. LOL... babygirl much love anyway
@emaransat39723 жыл бұрын
I went to the sanlam future calculator, shu I was left so shocked. Of the value i have to invest every month to meet my 70% of my current salary. As i thought i was on track After the shock, i started to replan and ask the question what do I want my retirement to look like.