With the birth of a child comes a great ex­pec­ta­tion. Par­ents see fu­ture doc­tors, bal­leri­nas and award-win­ning ac­tors when their ba­bies are still doz­ing in their strollers. But chil­dren are ex­pen­sive, and ad­e­quate fi­nan­cial plan­ning is a must to en­sure fin

Your Pregnancy - - Advertorial -

BUT WHERE DO you start? The most sen­si­ble place would be in tak­ing thor­ough stock of your cur­rent fi­nan­cial po­si­tion.


If your fam­ily doesn’t have a fi­nan­cial ad­vi­sor, Syg­nia’s RoboAd­vi­sor is an ideal place for novice in­vestors to be­gin plan­ning their fu­ture. This easy-to-nav­i­gate on­line plat­form takes you through 11 sim­ple steps to eval­u­ate your fi­nan­cial po­si­tion, your goals and your as­pi­ra­tions. It then cal­cu­lates your ideal risk ap­petite and sug­gests a suit­able port­fo­lio to in­vest in. Best of all, you don’t need to make an ap­point­ment, find a babysit­ter or wash your hair to log on!


For most par­ents, sav­ing for their chil­dren’s ed­u­ca­tion is a top pri­or­ity, but it can be a real chal­lenge to keep up with rising ex­penses. Ed­u­ca­tion costs in­crease annually by 8 to 9 per­cent, which is about three per­cent higher than con­sumer price in­fla­tion (CPI) – eas­ily out­strip­ping most salary in­creases and leav­ing you with a tighter bud­get. The Syg­nia TaxFree Sav­ings Ac­count (TFSA) with a min­i­mum con­tri­bu­tion of only R500 per month is an ef­fi­cient in­vest­ment ve­hi­cle with no div­i­dend, cap­i­tal gains or in­come tax payable, so your money grows faster than in a reg­u­lar sav­ings ac­count.


With Syg­nia you can choose from a range of low-cost prod­ucts, which fo­cus on in­no­va­tion through tech­nol­ogy. The Syg­nia 4th In­dus­trial Rev­o­lu­tion Global Eq­uity Fund is a South African first. It of­fers lo­cal in­vestors ex­po­sure to global com­pa­nies at the fore­front of the 4th In­dus­trial Rev­o­lu­tion, which sees new tech­nolo­gies merg­ing the phys­i­cal, dig­i­tal and bi­o­log­i­cal worlds at an ex­po­nen­tial pace. With this unit trust you can in­vest in the fu­ture and own a piece of a daz­zling new world. And Syg­nia’s re­cently launched Itrix range of ex­change traded funds (ETFs) of­fers you the op­por­tu­nity to di­ver­sify and track in­dices in de­vel­oped world mar­kets. These ETFs of­fer an ef­fi­cient, trans­par­ent and flex­i­ble way for you to in­vest in over­seas stock mar­kets. Sav­ing for your child’s fu­ture is no doubt a mam­moth task, but time is a pow­er­ful ally and a bright fu­ture is pos­si­ble the minute you start sav­ing. For more in­for­ma­tion on Syg­nia prod­uct of­fer­ings visit syg­, call 0860 794 642 (0860 SYG­NIA), email ad­[email protected]­ or speak to your fi­nan­cial ad­vi­sor.

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