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.

Marriage is often viewed through an emotional or romantic lens, but it is also one of the most significant financial and...
04/06/2026

Marriage is often viewed through an emotional or romantic lens, but it is also one of the most significant financial and legal relationships a person can enter into.

In South Africa, marriage creates a reciprocal duty of support between spouses — a legal obligation that can have profound consequences during the marriage, throughout divorce proceedings, and in certain circumstances even after divorce has been finalised.

In Eric Jordaan, CFP®'s latest article, he explores how the duty of support works, why matrimonial property regimes do not remove these obligations, and why many couples underestimate the long-term financial implications of maintenance, dependency, and cash flow planning.

https://www.moneyweb.co.za/financial-advisor-views/the-financial-obligations-hidden-within-marriage/

Financial planning has traditionally focused on the individual. But in reality, very few financial decisions affect one ...
03/06/2026

Financial planning has traditionally focused on the individual. But in reality, very few financial decisions affect one person alone.
Rising living costs, increased longevity, underfunded retirements, blended families, adult children living abroad, shared property arrangements, business succession, care needs and mental incapacity are all making family-wide planning more important than ever.

In our latest article, “Managing wealth across generations”, we explore why more families are involving adult children and, where appropriate, grandchildren in financial planning conversations that were once kept private.

https://crue.co.za/managing-wealth-across-generations/

Helping adult children financially can feel like the most natural expression of love, particularly when you have the mea...
02/06/2026

Helping adult children financially can feel like the most natural expression of love, particularly when you have the means to relieve their immediate pressure. But when this support becomes ongoing, unstructured or funded from retirement capital, it can quietly place your own financial future at risk.

In our latest article, we explore how repeated financial assistance to adult children can affect retirement planning, estate planning, family dynamics and long-term financial independence. More importantly, we unpack how parents can help without harming their own future selves.

Read the full article here: https://crue.co.za/when-helping-your-adult-children-becomes-a-retirement-risk-2/

Financial independence is often framed as a personal goal – the pursuit of freedom, dignity and choice. But there is ano...
02/06/2026

Financial independence is often framed as a personal goal – the pursuit of freedom, dignity and choice. But there is another, less comfortable dimension to consider: when we fail to take responsibility for our financial affairs, the consequences are often carried by someone else.

Whether it is a lack of medical aid, insufficient life or disability cover, no emergency fund, or the absence of a valid will, financial inaction rarely affects only the individual. In times of crisis, the burden is often transferred to a spouse, children, siblings, ageing parents or extended family members who may already be managing their own financial responsibilities.

In Devon Card, CFP®'s latest article, he explores why financial independence is both a personal and social responsibility – and why taking action today is one of the most considerate things you can do for those you love.

Read the full article here: https://www.moneyweb.co.za/financial-advisor-views/financial-independence-is-a-social-responsibility/

Unlike life cover or income protection, determining the appropriate level of severe illness cover is rarely straightforw...
01/06/2026

Unlike life cover or income protection, determining the appropriate level of severe illness cover is rarely straightforward. The right answer depends on far more than simply selecting a number.

In Alex Odendaal, CFP®'s latest article for Moneyweb, he explores why severe illness cover should be considered within the context of your broader financial plan — including your medical aid, gap cover, income protection, emergency funding, and overall financial resilience.

As medical advancements continue to improve survival rates, more people are living with the long-term financial consequences of critical illnesses. The question is no longer whether severe illness cover matters, but rather how much is appropriate and how it should fit into an integrated financial strategy.

The goal is not to accumulate policies, but to structure protection thoughtfully and efficiently — without unnecessary cost or duplication.

Read the full article here.

https://www.moneyweb.co.za/financial-advisor-views/rethinking-severe-illness-cover-how-much-is-enough/

When planning for retirement, many investors focus on the return they hope to earn — but in retirement, the timing of th...
28/05/2026

When planning for retirement, many investors focus on the return they hope to earn — but in retirement, the timing of those returns can be just as important.

This is where sequencing risk becomes a real concern.

Sequencing risk refers to the damage caused when poor market returns occur early in retirement while you are already drawing an income from your portfolio. Even if markets recover later, the impact of having sold investments at depressed prices can be difficult to reverse.

In our latest article, we unpack how sequencing risk works in real life, why the early years of retirement are so important, and what retirees can do to build more resilience into their plans.

Read the full article here:

https://crue.co.za/sequencing-risk-the-often-overlooked-retirement-threat/

Political noise may create short-term volatility, but it rarely changes the long-term fundamentals that drive markets ov...
28/05/2026

Political noise may create short-term volatility, but it rarely changes the long-term fundamentals that drive markets over time: earnings growth, productivity, innovation, and the resilience of businesses. For investors, the greater risk is often not the headline itself, but the emotional response it triggers.

A well-constructed investment plan should already be designed to withstand uncertainty. The challenge is having the discipline to stay aligned with that plan when the news cycle becomes loud, says Hannah Myburgh, CFP® talking to Moneyweb:

https://www.moneyweb.co.za/financial-advisor-views/noise-is-not-a-strategy-why-disciplined-investors-ignore-political-theatre/

Choosing an executor is one of the most important decisions you can make when drafting your will. While trust matters, t...
27/05/2026

Choosing an executor is one of the most important decisions you can make when drafting your will. While trust matters, the role requires technical skill, objectivity, time, resilience, and the ability to manage family dynamics at a deeply emotional time. In our latest article, we unpack the key considerations when nominating an executor — and why capability should matter just as much as confidence.

https://crue.co.za/choosing-your-executor-the-decision-that-determines-how-smoothly-your-estate-is-wound-up/

Financial responsibility does not exist in isolation. When one person consistently avoids saving, overspends, or defers ...
27/05/2026

Financial responsibility does not exist in isolation. When one person consistently avoids saving, overspends, or defers planning for the future, the consequences are often carried by those who planned carefully, lived within their means, and made disciplined choices.

In Craig Torr's latest article, he explores the emotional and financial burden that arises when generosity becomes expectation, and why setting clear boundaries is essential to protecting both your financial security and your relationships.

Read the full article here: https://www.moneyweb.co.za/financial-advisor-views/the-unfair-burden-of-someone-elses-financial-choices/

Over time, many investors accumulate financial products one decision at a time: a retirement annuity, preservation fund,...
26/05/2026

Over time, many investors accumulate financial products one decision at a time: a retirement annuity, preservation fund, education policy, discretionary investment, inherited share portfolio, rental property, or life insurance policy. Each may have made sense when it was put in place, but without regular review, the result can become fragmented, costly, and difficult to manage.

A well-constructed financial portfolio is not defined by the number of products it contains, but by the clarity of purpose behind each component. Your investments, risk cover, retirement funding, liquidity, tax planning, and estate planning should work together as part of a cohesive strategy, says Erin White, CFP® talking to Moneyweb:

https://www.moneyweb.co.za/financial-advisor-views/from-patchwork-to-precision-when-your-financial-portfolio-loses-its-way/

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