Crue Invest

Crue Invest Crue Invest (Pty) Ltd is the 2023 FPI Approved Professional Practice™ of the Year

At Crue Consulting, we are passionate about helping people manage their finances and lifestyles optimally. Whether you have just started working, are in the process of accumulating wealth, near retirement or even in retirement, we'd love to help you plan.

At 30, it is easy to imagine that life will unfold more or less according to plan: children will finish studying on sche...
18/06/2026

At 30, it is easy to imagine that life will unfold more or less according to plan: children will finish studying on schedule, the bond will be paid off by midlife, retirement will arrive neatly at 55 or 60, and financial responsibilities will gradually reduce over time.

But by 57, many people understand that life is seldom that simple.

Children may study longer, need support while finding their feet, or require help with cars, accommodation, medical aid and travel. Bonds may remain in place longer than expected because they have been used to build businesses, fund opportunities or create long-term wealth. Ageing parents may need support, and retirement may feel less like an age and more like a state of readiness.

The lesson is not to fear the future, but to plan more realistically for it, says Craig Torr talking to Moneyweb:

https://www.moneyweb.co.za/financial-advisor-views/what-57-has-taught-me-about-money-that-30-could-not-see/

Dying without a valid will does not mean that your estate is left without a plan. It means that the plan is no longer yo...
18/06/2026

Dying without a valid will does not mean that your estate is left without a plan. It means that the plan is no longer yours.

From executor appointments and marital regimes to minor children, immovable property, guardianship, and the Guardian’s Fund, intestacy can create delays, uncertainty, liquidity constraints, and unintended outcomes at precisely the time when a family most needs clarity and stability.

A carefully drafted will gives structure to your intentions, clarity to your loved ones, and direction to those tasked with winding up your affairs, says Sherry Tapfuma, CFP® talking to Moneyweb:

https://www.moneyweb.co.za/financial-advisor-views/dying-without-a-will-what-intestacy-can-mean-for-the-family-left-behind/

Retirement annuities remain one of the most effective ways for South Africans to build long-term retirement capital whil...
17/06/2026

Retirement annuities remain one of the most effective ways for South Africans to build long-term retirement capital while benefiting from meaningful tax advantages. But with the two-pot retirement system now embedded, and the annual tax-deductible contribution cap increasing to R430 000 for the 2027 tax year, it is important to understand how these rules affect your broader retirement plan.

In our latest article, we unpack the key questions investors continue to ask about retirement annuities, including how the tax deduction works, what happens when you over-contribute, when you can access your RA, how two-pot withdrawals are taxed, and why RAs remain relevant in a modern investment landscape.

Read the full article here: https://crue.co.za/making-the-most-of-your-retirement-annuity-in-the-2027-tax-year/

Fear is often described as one of the greatest enemies of long-term investors, but fear is not always as obvious as pani...
17/06/2026

Fear is often described as one of the greatest enemies of long-term investors, but fear is not always as obvious as panic-selling after a market fall.

More often, it shows up quietly – as hesitation, over-caution, regret, inaction, the need for certainty, or the temptation to abandon a sound strategy because the headlines feel uncomfortable.

The challenge is not to eliminate fear altogether. Fear can be useful when it prompts careful planning and thoughtful risk management. The real danger arises when fear becomes the decision-maker. A disciplined financial plan helps investors name their fears, test them against their long-term objectives, and make decisions from a place of structure rather than emotion.

Long-term investing is not about being fearless. It is about being prepared.

Read the full article here: https://www.moneyweb.co.za/financial-advisor-views/fear-of-what-understanding-the-real-enemy-of-long-term-investors/

Wealth is seldom created with only one generation in mind. For many families, the real objective is not merely to accumu...
12/06/2026

Wealth is seldom created with only one generation in mind. For many families, the real objective is not merely to accumulate assets during one’s lifetime, but to preserve, protect and ultimately transfer that wealth in a manner that benefits future generations.

In this Moneyweb article, Alex Odendaal, CFP® unpacks why effective generational wealth planning should include more than the distribution of assets. From retirement fund beneficiary nominations and living annuity structures to offshore assets, trusts, lifetime giving and incapacity planning, families need to ensure that their intentions are clearly documented, legally executable and practically workable.

Read the full article here:

https://www.moneyweb.co.za/financial-advisor-views/generational-wealth-planning-building-a-legacy-that-lasts/

A Living Will is not something most people rush to sign, but when a medical crisis unfolds, it can become one of the mos...
11/06/2026

A Living Will is not something most people rush to sign, but when a medical crisis unfolds, it can become one of the most important documents your family has.

Unlike a last will and testament, which deals with your estate after death, a Living Will records your wishes regarding medical treatment while you are still alive but unable to communicate. It gives guidance to your doctors and loved ones at a time when decisions may need to be made urgently, emotions are running high, and your family is desperate to do the right thing.

Most importantly, a Living Will can spare your loved ones the burden of guessing what you would have wanted.

Read our latest article:

https://crue.co.za/living-will-lasting-voice-making-your-wishes-known-when-you-can-no-longer-speak/

Beneficiary nomination forms are often completed when a policy or investment is first taken out, filed away, and then fo...
10/06/2026

Beneficiary nomination forms are often completed when a policy or investment is first taken out, filed away, and then forgotten. Yet these seemingly simple documents can have far-reaching consequences for your estate plan, affecting how quickly your loved ones receive money after your death, whether certain assets fall into your estate, how costs are calculated, and whether your intentions are carried out as planned.

In her latest article, Hannah Myburgh, CFP® unpacks the importance of beneficiary nominations, explain how they apply across different product structures, and highlight why they should never be treated as once-off paperwork.

Read the full article here:

https://www.moneyweb.co.za/financial-advisor-views/beneficiary-nominations-small-print-big-consequences/

Playing it safe with your money can feel sensible, especially when markets are uncertain. But a portfolio that avoids sh...
09/06/2026

Playing it safe with your money can feel sensible, especially when markets are uncertain. But a portfolio that avoids short-term volatility can still expose you to a more silent risk: inflation.

Over time, inflation erodes purchasing power, meaning that your money may not stretch far enough to fund your future lifestyle, healthcare costs or retirement income needs.

True portfolio safety is not about avoiding all risk. It is about taking the right level of risk for the right time horizon, so that your capital remains both stable where needed and capable of growing where required.

Read the full article here: https://crue.co.za/inflation-the-silent-risk-in-conservative-portfolios/

In a world where success is so often measured by what can be seen it is easy to confuse spending with wealth. But appear...
08/06/2026

In a world where success is so often measured by what can be seen it is easy to confuse spending with wealth. But appearances can be deeply misleading. Very often, what we see is not wealth at all, but consumption.

True wealth is far quieter. It is the emergency fund that brings peace of mind, the investments compounding in the background, the debt that has been paid off, the retirement plan that is on track, and the freedom to make decisions without being financially cornered.

The real flex is not needing your possessions to speak on your behalf, says Erin White, CFP® talking to Moneyweb. It is living below your means, resisting lifestyle creep, investing consistently, aligning your money with your values, and building a life that is sustainable rather than performative.

In our latest article, we explore why quiet wealth is far more powerful than conspicuous consumption, and why financial freedom is built less through outward display and more through discipline, restraint, intentionality and long-term thinking.

https://www.moneyweb.co.za/financial-advisor-views/the-real-flex-why-quiet-wealth-beats-conspicuous-consumption/

For business owners, retirement planning rarely fits neatly into a fixed monthly debit order. Irregular income, fluctuat...
05/06/2026

For business owners, retirement planning rarely fits neatly into a fixed monthly debit order. Irregular income, fluctuating cash flow and changing business demands often require a far more flexible and strategic approach to long-term retirement funding.

In her latest article, Sherry Tapfuma, CFP® explores:

• Why business owners should start with cash flow, not products

• The dangers of overcommitting to illiquid structures

• Why good years should be used strategically

• The importance of coordinating business and personal planning

• How flexibility can improve retirement outcomes

• Why retirement funding should be viewed as an annual objective rather than a monthly obligation

Read the full article here: https://www.moneyweb.co.za/financial-advisor-views/irregular-income-consistent-outcomes-how-business-owners-can-fund-retirement-with-precision/

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