Newsletter Archives

December 2022

The Growing Risk Of Cybercrime And How Cyber Insurance Can Help

Cyber insurance helps companies prevent breaches through risk management. It can also be essential in helping your company recover after a data breach. Costs, including business disruption, revenue loss, equipment damages, legal fees, public relations expenses, forensic analysis and expenses associated with legally mandated notifications, can all be covered by cyber insurance.

Read More Here.

October 2022

The Cost Of Dipping Into Your Retirement Savings During A Crisis

If you should lose your job or have your income reduced considerably, how do you plan on making up the shortfall? You may think of using your retirement savings (preservation fund) to close the gap. There are serious pitfalls to raiding your preservation fund prematurely.

Read More Here.

August 2022

How Fuel Increases Affect The Economy

Economists specialise in examining the outcomes of fuel price increases on the economy and provide detailed in-depth analysis of these effects; much of which is beyond the scope of the average citizen who simply feels the pinch in his/her wallet and the unavoidable lighter shopping basket carried out of the supermarket.

We at Kainos appreciate this fact and that Jannie-average-citizen would like the whole issue to be addressed in a simple understanding way; so we have put together some insights for you that will hopefully go some way to answering your concerns.

Read More Here.

June 2022

6 Reasons to Keep Your Liberty Policy

It may be tempting to ease your monthly financial burden by stopping or reducing contributions to policies. It may even be necessary, but before making the call, ensure that you know how this may affect you in the long term.

Here are 6 reasons to keep your liberty policy.

Read More Here.

April 2022

Review Your Budgets, Investments And Wills Thoroughly

Let’s just say that recent years have been exceptionally tough. People have lost their jobs and income, loved ones have passed away and the landscape is simply not the same as it was before. We find ourselves re-examining how we are living as well as the way we are planning for our future.

With this in mind, it’s pertinent that we should all take a fresh look at where we stand by reviewing budgets, investments and wills thoroughly.

Read More Here.

October 2021

How To Continue Saving When Times Are Tough

Only an aggressive forward-thinker who has experienced the true benefits of a back-up plan, would be asking, “How to continue saving when times are tough?”.

You will be pleased to know that you are at a massive advantage with this way of thinking. You are part of a select group, since statistics continue to identify that a very small percentage of the population even considers a savings plan.

Read More Here.

August 2021

How disability and dread disease severely impacts a livelihood

Something that we hope to never have to think about is how disability and dread disease severely impacts a livelihood. But all too often these topics have to be addressed especially if you know you are at risk.

If you have a family history of a specific illness you’re anxious about, it stands to reason that you would be investigating a critical health cover option.

Read More Here.

June 2021

How Much Money Do I Need To Retire Early?

You are here for a reason – You are ambitious and you would like to look at the nuts and bolts of retiring early.

So we are not going to dwell too much on the obvious – that it takes discipline, time and effort – but instead, we will delve right into the list of exact steps you have to take to realise this dream.

Read More Here.

April 2021

What does financial freedom mean to you?

Financial freedom means different things to different people.

For someone who has lived their entire life in debt (an alarmingly increasing statistic) just being out of debt will translate into financial freedom. For those who have saved diligently over the course of their working lives, being able to spend on a dream holiday, planned renovation or other long-term goal may be their version of financial freedom.

At Kainos, we believe that being able to retire comfortably (the term ‘comfortable’ will be different from person to person) is the ultimate financial freedom.

Read More Here.

January 2021

Kainos Jan 2021 Newsletter

Retirement Fund Reform And Tax Season

We all know about tax free savings accounts, retirement annuities and all the other ways that help us to legally and legitimately optimize our tax returns, but do you know how to truly make it work for you?

This tax season save yourself some time, headaches and money.  Just one call to your Financial Advisor is all it takes to ensure that you have efficiently invested your money to ensure the most accurate tax return.

Read more here.

December 2020

Creating a winning budget

It is the holiday season, time to relax and enjoy time with family, splurge on presents and good food. The party has started, and this is usually the month you set your worries aside. But you will still have to face them in January, the longest month of the year. This issue is filled with hints and tips to help you enjoy the holidays, and make your December salary last. Read more about these, before you get your party on.

Read more here.

October 2020

Personal finance rules to live by

There is no better time like the present to take control of your finances, even in tough times. In this issue, you can find out how to protect your finances by sticking to personal finance rules, keeping on top of your investments by understanding financial jargon and making sure you don’t dip into your retiremenet savings. Read on about these, and have a fruitful month.

Read more here.

August 2020

Hype or Reality – should women invest differently?

Not only do women earn less and live longer than men, but according to Statistics SA (Mbalo Brief, March 2018):

  • 45.6% of moms are single moms
  • 16% receive financial support
  • 33% are also supporting her parents

Read more here.

June 2020

All in this together

Challenging times can lead to worry, particularly when your world feels unpredictable and uncertain.  At Kainos we understand how the global pandemic and resultant lockdown has affected individuals in different ways.

Read more here.

March 2020

Kainos Group COVID-19 Lockdown Business Continuity Announcement

As we begin our 21 days of lockdown, the Leadership Team and staff of Kainos Group would like to take this opportunity to reassure you that we will be continuing business albeit from our respective homes, which we have set up as remote offices, instead of from the office.

Read more here.

March 2020

Wealth In A Time Of COVID-19

Our president has declared a National State of Disaster and clearly outlined what needs to happen in order for us to try and contain the possible outcomes of the COVI-19 Virus.

Despite being asked not to panic, many people have done just that and as a result, listed assets sold off rapidly, and oil prices plummeted, globally. On home shores, we’ve seen our Rand depreciate and SASOL crash.

Read more here.

February 2020

Kainos Chronicles

We look at ways to move forward with positive intent, with a view on this famous quote byZig Ziglar, author, salesman and motivational speaker.

“Although no one can go back and make a brand new start, anyone can start from now and make a brand new ending.”

Read more here.

October 2019

Kainos Chronicles

In this edition of the Kainos Chronicle, we explore the staggering amount claimed by beneficiaries in 2018 from South African life insurers.

The 2018 annual death claim benefit statistics for fully underwritten individual life policies released by the Association for Savings and Investment South Africa (ASISA) show that life insurers paid 33 545 claims, representing 99.3% of all claims received. Life insurers declined 222 claims, a mere 0.7% of claims against underwritten individual life policies in 2018.

Read more here.

August 2019

In the age of instant gratification, it is easy to forget about the virtues of patience, but if you want to see your money grow, patience is key.

In this edition of the Kainos Chronicle, we’re highlighting a recent article, published on Moneyweb, entitled “Why investors should remain patient and avoid the perils of performance-chasing”.

Read more here.