Single & Established

You are in your first or second job and have been financially independent for a couple of years. You are in a committed relationship and have purchased a car. You may be thinking about buying your first house or flat.

Financial Focus:

It is more than likely that the products and services below are appropriate to you at this stage of your life.

Financial Plan

No matter what your life stage or financial needs you need a financial plan and a budget. Both of these will change as your life circumstance change. If you need help please visit financial advice for tips on how to manage your finances.

Emergency Savings Plan

It is important to put aside an amount each month to cater for life’s little emergencies. This should be done through a bank account or lower-risk investment that offers you competitive interest rates and easy access to your money.

Saving for a Goal

We all have our goals in life and it is important to save towards achieving them. There are many investment and savings products that will help you maximize your financial growth.

Short-term InsuranShort-term Insurance

You have worked hard to achieve your goals and for your possessions. So, whether it is a car or a hi-fi, you should consider protecting your assets and possessions with a good short-term insurance product that suits your specific requirements.

Home Loans

Maybe you already have enough for a deposit or you may qualify for a 100% bond.

Retirement

If you haven’t started planning for retirement yet, start now or, continue to build on your existing retirement savings. Perhaps consider supplementing your employer’s pension plan with a retirement annuity of your own. Don't foget that an early and generous start could mean the difference between being able to retire and having to work in your old age.

Medical Aid

Your employer will most likely insist that you join their medical aid scheme. But, if you have started out on your own or are responsible for your healthcare and that of a loved one, you need to be sure that you have picked the right plan to suit your circumstances.

Investments

Start investing young and develop a culture of financial freedom now. Start off by putting a small amount of money away every month. Old Mutual has a range of products that aim to help you achieve financial growth.

Changing Jobs

One of the questions you need to ask yourself when you change jobs is what you intend to do with your pension/ provident fund money accrued in with your previous employer.

Old Mutual offers a number of retirement funding products. You can choose a permanent retirement solution or somewhere to park your money until you know where you want to invest it.

Advice

Professional financial planning & advice are invaluable when structuring a financial portfolio. Contact an Old Mutual adviser today to help you develop a financial plan that suits your current circumstances and financial position.