Finansiële Dienste
Financial Services
Die uitvoering van Finansiële Dienste
Finansiële Dienste soos byvoorbeeld:
- Persoonlike risikobeplanning
Persoonlike risikobeplanning evalueer jou huidige voorsiening in die geval van jou vroeë dood of permanente ongeskiktheid in vergelyking met jou kapitaal en inkomstedoelwitte in so ‘n geval.
- Aftreebeplanning
Aftreebeplanning is ‘n strategie om vooruit te beplan vir jou toekomstige aftrede. Dit evalueer jou huidige aftreevoorsiening in vergelyking met jou kapitaal- en inkomstedoelwitte vir die jare na aftrede.
- Belegging van aftreevoordele
Die belegging van aftreevoordele oorweeg die voordele waarop jy nou geregtig geraak het. Jy gaan aftree en dit is ‘n strategie om jou kapitaal en inkomstevoordele op so ‘n manier aan te wend dat jy jou lewenstandaard kan handhaaf en jou ander lewenstyldoelwitte kan verwesenlik.
- Gesondheidsorgvoordele
Die beplanning van gesondheidsorgvoordele evalueer jou bestaande mediesehulpdekking in vergelyking met jou behoefte aan daaglikse voordele en groot mediese prosedures.
- Beleggingsbeplanning
Beleggingsbeplanning evalueer die geld wat jy bymekaar gemaak het soos dit in jou balansstaat weerspieël word en het ten doel om dit te bewaar en te laat groei. Dit evalueer jou algemene doelwitte en beveel ‘n strategie aan wat op die risiko, belasting, termyn en toeganklikheid gebaseer is.
- Werknemervoordele
Daar is ‘n onderskeid tussen maatskappy- (groep-) en individuele oplossings. Dit evalueer jou huidige posisie en individuele behoeftes om ‘n strategie aan te beveel wat ‘n werknemer in staat stel om vir sy/haar aftrede te beplan.
- Korttermynversekeringsbeplanning Kommersieel of Persoonlik
Korttermynversekeringsbeplanning identifiseer enige potensiële tekort in jou bestaande korttermynversekering. Daar is ‘n onderskeid tussen kommersiële en persoonlike versekering.
- Risiko
Risikodekking by dood
Risikodekking by dood evalueer jou bestaande kapitaal- en inkomtsevoorsiening in vergelyking met jou algemene aanspreeklikhede en jou doelwitte vir jou afhanklikes in so ‘n geval.
Risikodekking by permanente ongeskiktheid
Risikodekking by permanente ongeskiktheid evalueer jou bestaande kapitaal- en inkomtsevoorsiening in vergelyking met jou behoeftes en doelwitte in so ‘n geval.
Risikodekking by tydelike ongeskiktheid
Risikodekking by tydelike ongeskiktheid evalueer jou bestaande kapitaal- en inkomstevoorsiening in vergelyking met jou behoeftes en doelwitte in so ‘n geval.
Verbandbeskerming
Verbandbeskerming oorweeg ‘n spesifieke verbandskuld en evalueer dit in vergelyking met jou bestaande voorsiening vir die vereffening daarvan in die geval van jou dood of permanente ongeskiktheid.
- Belegging
Herbelegging van ‘n gespesifiseerde onttrekkingsvoordeel uit aftreefonds
Die herbelegging van ‘n aftreevoordeel ontleed die beskikbare opsies vir sodanige kapitaalontvangs en die belastingimplikasies daarvan. Dit evalueer hierdie uitkoms teenoor jou onmiddellike en aftreekapitaalbehoeftes.
Herbelegging van uitkeeropbrengs uit aftreefonds
Die herbelegging van ‘n uitkeeropbrengs uit ‘n aftreefonds oorweeg die aftreevoordele waarop jy nou geregtig is, maar wat jy nie nou nodig het om ‘n inkomste te verskaf nie en dus kan jy dit herbelê vir ‘n verdere termyn. Dit evalueer hierdie en ander aftreevoordele in vergelyking met jou kapitaal- en inkomstedoelwitte tydens aftrede.
Belegging van gespesifiseerde kapitaal
Belegging van gespesifiseerde kapitaal oorweeg ‘n spesiale kapitaalbedrag wat jy nou het en waarvoor jy ‘n spesiale doelwit het. Dit evalueer belasting- , risiko- en termynoorwegings in vergelyking met daardie doel.
- Gesondheidsorg
Gesondheidsorg-voorafbefondsing
Gesondheidsorg-voorafbefondsing oorweeg jou bestaande voorsiening vir gesondheidsorg na aftrede en evalueer dit in vergelyking met jou behoefte aan daaglikse en groot mediese prosedures gedurende daardie jare.
- Spaar vir ‘n spesifieke doel
Onderwys
Onderwysbeplanning oorweeg jou bestaande voorsiening vir die opvoeding van afhanklikes en evalueer dit in vergelyking met die opvoedkundige aspirasies wat jy vir hulle het.
Spaar vir ‘n spesifieke doel
Spaar vir ‘n spesifieke doel oorweeg die bestaande voorsiening wat jy het vir jou lewenstyldoelwitte en evalueer dit in vergelyking met die doelwitte wat jy wil bereik en die tydsbepaling hiervoor.
- Besigheidsversekering
Besigheidsversekering word gewoonlik deur ‘n maatskappy of werkgewer uitgeneem op die lewe van ‘n werknemer of ‘n direkteur van die maatskappy vir die voordeel van óf die besigheid óf die werkgewer of vir beide die werknemer en die werkgewer.
Borgskapbeskerming
Dit is ‘n plan om finansiële verlies te voorkom in die persoonlike boedel van ‘n individu wat aanspreeklik is vir die skuld van ‘n besigheid deurdat hy as medehoofskuldenaar ‘n leningsooreenkoms onderteken het of deurdat hy die een of ander vorm van sekuriteit verskaf het.
Sleutelpersoondekking
Dit identifiseer individue wat ‘n sleutelrol in die toekomstige bestaan en winsgewendheid van die besigheid speel. Dit kwantifiseer daardie risiko’s in die geval van dood of permanente ongeskiktheid van sodanige sleutelpersoon.
Koop-en-verkoopreëling
Dit formaliseer en kwantifiseer die bepalings en voorwaardes waarop die oorblywende eienaars die belang wat ‘n oorlede of permanent ongeskikte eienaar in die besigheid hou, sal koop.
Leningsrekeningaflossing
Dit kwantifiseer die huidige voorsiening wat die besigheid moet maak om sy leningsverpligtinge op ‘n toekomstige datum terug te betaal.
Voorkeurvergoeding
Dit is ‘n aanmoedigingskema vir gekose werknemers om hul toekomstige dienste vir die voordeel van die besigheid te behou.
Korporatiewe Spaarplan
Dit is ‘n spaarplan om die besigheid te help om verskeie soorte verpligtinge ten opsigte van kapitaaluitgawe in die toekoms na te kom.
- Tussengangerdienste
Tussengangerdienste verwys na gevalle waar die beplanner ‘n diens lewer ten opsigte van ‘n finansiële produk vir en namens ‘n kliënt behalwe om advies te verskaf, bv. die verhoging van die maandelikse premiebetalings in opdrag van die kliënt.
The implementation of Financial Services.
Financial Services such as:
- Personal risk planning
Personal risk planning evaluates your current provisions in the event of your premature death or permanent disability against your capital and income goals in such event.
- Retirement planning
Retirement planning is a strategy of planning ahead for your future retirement. It evaluates your current retirement provisions against your capital and income goals for the years after retirement.
- Investment of retirement benefits
Investment of retirement benefits considers the benefits to which you have now become entitled. You are going into retirement and this is a strategy to apply your capital and income benefits in such a way that you can maintain your standard of living and realise other lifestyle goals.
- Healthcare benefits
Healthcare benefits planning evaluates your existing medical aid cover against your need for day-to-day benefits and major medical procedures.
- Investment planning
Investment planning considers the wealth that you have accumulated as reflected on your balance sheet and aims to preserve and grow it. It evaluates your general goals and recommends an investment strategy based on risk, tax, term and accessibility considerations.
- Employee benefits
Provides financial well being throughout each person’s life by empowering you to make relevant choices and control your destiny. There is a distinction between corporate (group) and individual solutions. It evaluates your current position and individual needs to recommend a strategy that will enable an employee to plan for his/her retirement.
- Short-term insurance planning {Commercial or Personal}
Short-term insurance planning identifies any potential shortfall in your existing short-term insurance. There is a distinction between commercial and personal insurance.
- Risk
Risk cover at death
Risk cover at death evaluates your existing capital and income provisions against your general liabilities and goals for dependants in such event.
Risk cover at permanent disability
Risk cover at permanent disability evaluates your existing capital and income provisions against your needs and goals in such event.
Risk cover at temporary disability
Risk cover at temporary disability evaluates your existing capital and income provisions against your needs and goals in such event.
Mortgage protection
Mortgage protection considers a specific bond debt and evaluates it against your existing provisions for settling it in the event of your death or permanent disability.
- Investment
Reinvestment of specified withdrawal benefit from retirement fund
Reinvesting a withdrawal benefit from a retirement fund analyses the available options for such a capital receipt and its tax implications. It evaluates this outcome against your immediate and retirement capital needs.
Reinvestment of maturity proceeds from retirement fund
Reinvesting the maturity proceeds from a retirement fund considers the retirement benefits to which you have now become entitled, but which you do not need right now to provide an income and so these must be reinvested for a further term. It evaluates this and other retirement provisions against your capital and income goals during retirement.
Investment of specified capital
Investment of specified capital considers a special capital amount that you now have and for which you have a special goal. It evaluates tax, risk and term considerations against that goal.
- Healthcare
Healthcare prefunding
Healthcare prefunding considers your existing provision for healthcare after retirement and evaluates it against your needs for day-to-day and major medical procedures during those years.
- Saving for a specific goal
Education
Education planning considers your existing provision for the education of dependants and evaluates it against the educational aspirations that you have for them.
Saving for a specific goal
Saving for specific goals considers existing provision that you have for your lifestyle goals and evaluates it against the goals that you want to achieve and the timing of these.
- Business Insurance
Business insurance is generally taken out by a company or employer on the life of an employee or a director of the company, for the benefit of either the business or employer or to the employee or to both the employee and the employer.
Suretyship protection
This is a plan to avoid financial loss in the personal estate of an individual who is liable for a debt of the business through signing as co-principal debtor or by providing any other form of security.
Keyperson cover
Identifies individuals that play a key role in the future existence and profitability of the business. It quantifies those risks in the event of the death or permanent disability of such key person.
Buy-and-sell arrangement
This formalises and quantifies the terms and conditions on which the remaining owners will purchase the interest that a deceased or permanently disabled owner holds in the business.
Loan account redemption
Quantifies the current provision that the business must make to repay its loan account commitments at a future date.
Preferred compensation
This is an incentive scheme for selected employees to retain their future services for the benefit of the business.
Corporate Saver
This is a savings plan to assist the business in meeting various types of commitments for capital expenditure in future.
- Intermediary services
Intermediary service refers to instances where the planner performs a service in connection with a financial product for or on behalf of a client, other than providing advice, eg increasing monthly premium payments upon instruction of the client.
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Any product information [legal and / or technical] on this webpage is subject to change from time to time. This webpage is a summary of some financial products / different product features and is not to be construed as advice by Procon Insurance Brokers. Any recommendations made must take into consideration your specific needs and personal circumstances. Procon. Pretoria
Enige produk inligting [wetlik en / of tegnies] op hierdie webblad is van tyd tot tyd aan verandering onderhewig. Hierdie webblad is ’n opsomming van sommige finansiële produkte / verskeie produkte se kenmerke en moet nie as advies deur Procon Versekeringsmakelaars beskou word nie. Enige aanbevelings wat gemaak word, moet jou spesifieke behoeftes en persoonlike omstandighede in ag neem. Procon.