Ihan Nel - Efficient Wealth

24/06/2026

𝗨𝗻𝗰𝗲𝗿𝘁𝗮𝗶𝗻𝘁𝘆 𝗽𝘂𝘀𝗵𝗲𝘀 𝗽𝗲𝗼𝗽𝗹𝗲 𝘁𝗼 𝗲𝘅𝘁𝗿𝗲𝗺𝗲𝘀
Sustainable wealth is not created by permanently sitting in cash or by chasing quick returns out of desperation.

Long-term investing, diversification, retirement planning, and tax efficiency still matter. Especially when times are tough.

𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝗘𝗳𝗳𝗶𝗰𝗶𝗲𝗻𝘁 𝘁𝗼𝗱𝗮𝘆 𝘁𝗼 𝘀𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗮 𝗿𝗲𝘃𝗶𝗲𝘄 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗹𝗮𝗻!

17/06/2026

AO World is replacing UK call centre employees with recruits based in South Africa, as the online household goods retailer hit out at higher taxes and other costs on businesses imposed by the British government.

15/06/2026

The earlier you structure your finances, the more options you create over time.
Small decisions today shape long-term outcomes.

Build a structured plan that supports your future: www.efgroup.co.za

11/06/2026

Purpose-driven planning means more than just numbers — it is about protecting what matters most.

From medical aid to insurance and investments, I will help you prepare with confidence.

[email protected] | (+27) 72 612 1797

10/06/2026

07/06/2026

The aim is to keep your retirement savings invested and growing, rather than available for regular withdrawals.

04/06/2026

Besigheidsversekering gaan nie net oor jou nie — dit gaan oor die mense wat saam met jou die besigheid laat werk.

Jou werknemers, jou span en hul families is deel van die groter prentjie. Wanneer jy die regte besigheidsversekering in plek het, beskerm jy nie net die onderneming nie, maar ook die mense wat daarvan afhanklik is.

Ek kan jou help met die regte oplossings sodat jou besigheid en jou span met gemoedsrus kan voortgaan om te groei.

Ihan Nel: [email protected] | (+27) 72 612 1797

02/06/2026

South Africa's financial planning culture is obsessed with 'the number' – the lump sum that promises freedom, usually around R15m, and is almost always the wrong way to think about retirement.

31/05/2026

THE TRUE COST OF BEING UNDERINSURED

Most people assume that, if they have insurance in place, they are fully protected.
Unfortunately, one of the most common and costly issues we encounter is
underinsurance, and it often only becomes apparent when people claim.

What is underinsurance?
Underinsurance occurs when an asset is insured for less than its true replacement
value. When this happens, insurers are entitled to apply what is known as the
average condition. This means that, if you are insured for less than the full
replacement cost, any claim (even a partial loss) may be reduced proportionately.

For example, if your home should be insured for R4 million, but it is only insured
for R3 million, you are effectively insured for 75% of its value. In the event of a
R1 million claim, the insurer may only pay 75% (R750 000), leaving you to fund the
remaining R250 000 yourself. This principle applies even if the loss is not a total
loss.

Make sure you are not underinsured.

Call me today:
Ihan Nel: +27 72 612 1797
[email protected]