Thinus Breytenbach Certified Financial Planner

Thinus Breytenbach Certified Financial Planner Investments | Insurance | Business Assurance | Employee Benefits | Medical Aid | Retrenchment Cover

When markets are noisy, good advice brings calm.Markets will always move. Headlines will always create fear. And investo...
26/05/2026

When markets are noisy, good advice brings calm.

Markets will always move. Headlines will always create fear. And investors will always be tempted to react emotionally.

But often, the biggest risk is not the market itself.

It is making the wrong decision at the wrong time.

That is why professional financial planning matters.

A proper financial plan is not just about choosing investments. It is about understanding your goals, cash flow, tax position, retirement needs, family responsibilities, risk cover, estate plan and how much risk you can realistically afford to take.

This is also why working with a professional financial planner with a strong, proven track record matters.

Experience helps turn uncertainty into perspective. Process helps turn emotion into discipline. And good advice helps clients stay focused on the plan, not the panic.

For financial planners, our role is not to predict every market movement.

Our role is to help clients make better decisions when markets, headlines and emotions are all pulling them in different directions.

Good advice does not remove uncertainty.
It helps clients move through uncertainty with confidence.

Kainos Group Liberty Group SA

26/03/2026

Reaching milestones like this always brings a moment of reflection.๐Ÿ†

Last year marked my 10th year with Liberty Group SA โ€” a journey defined by growth, challenges, and, most importantly, the privilege of serving my clients. Over this period, I have had the honour of achieving Financial Adviser status five times, and Senior Financial Adviser status once.

These achievements are never accomplished alone.

My sincere appreciation goes to Kainos Group for their continuous support, guidance, and belief in what I do. Having the right backing makes all the difference in consistently delivering meaningful outcomes for clients.

To Liberty Group SA โ€” thank you for creating world-class financial solutions that enable advisers like myself to make a real impact. The strength and quality of your products allow me to help my clients plan with confidence and move closer to achieving their financial goals.

Most importantly, to my clients โ€” thank you for your trust. It is a responsibility I value deeply.

This recognition is not just a milestone, but a reminder of the work that still lies ahead.

๐Ÿ‡ฟ๐Ÿ‡ฆ 2026 SA Budget โ€“ What it Means for You (In 60 Seconds)Here are the key points from the latest Budget Speech that affe...
25/02/2026

๐Ÿ‡ฟ๐Ÿ‡ฆ 2026 SA Budget โ€“ What it Means for You (In 60 Seconds)

Here are the key points from the latest Budget Speech that affect households and taxpayers:

โœ… Income tax relief: Tax brackets and rebates were adjusted for inflation โ€“ this helps prevent โ€œbracket creepโ€ where salary increases push you into higher tax without real gains.
๐Ÿ’ผ Retirement saving boost: The annual tax-deductible limit for retirement annuities increased (from R350,000 to R430,000) โ€“ more incentive to save tax-efficiently for retirement.
๐Ÿ‘ต Social grants increased: Old age and child support grants increased above inflation to support vulnerable households.
โ›ฝ Fuel levy increases: Petrol, RAF and carbon levies were increased โ€“ this will filter through to transport and food costs.
๐Ÿบ๐Ÿšฌ Sin taxes up: Higher excise duties on alcohol and ci******es.
๐Ÿ“Š No major new taxes: Government avoided broad tax hikes.

๐ŸŒฑ Positive fiscal outlook: Government expects public debt to stabilise and the deficit to narrow over time โ€“ a constructive signal for economic stability and investor confidence.

๐Ÿ‘‰ Overall: Some relief for taxpayers and savers, balanced against higher everyday costs, with a more positive medium-term outlook for SAโ€™s public finances.

Your budget isnโ€™t โ€œbrokenโ€โ€ฆ your emergency fund is missing. ๐Ÿšจ๐Ÿ’ธMost people think budgeting is about discipline.But in rea...
17/02/2026

Your budget isnโ€™t โ€œbrokenโ€โ€ฆ your emergency fund is missing. ๐Ÿšจ๐Ÿ’ธ

Most people think budgeting is about discipline.
But in real life, budgeting fails because of surprises:

๐Ÿš— car repairs
๐Ÿฅ medical costs
๐Ÿ“‰ income drops / retrenchment
๐Ÿ  home emergencies

Without an emergency fund, the โ€œplanโ€ becomes:
๐Ÿ’ณ credit card โ†’ ๐Ÿงพ debt โ†’ ๐Ÿ˜ฐ stress โ†’ ๐Ÿ” repeat

The goal ๐ŸŽฏ

โœ… 3โ€“6 months of essential expenses (not your full lifestyle)

Think:
๐Ÿ  rent/bond โ€ข ๐Ÿ›’ groceries โ€ข ๐Ÿš• transport โ€ข ๐Ÿ’ก utilities โ€ข ๐Ÿ›ก๏ธ insurance โ€ข ๐Ÿ“ถ data

Simple way to start (even if money is tight) ๐Ÿ‘‡
1. Calculate essentials (what you must pay to survive) โœ๏ธ
2. Set a starter target: R5,000 / R10,000 / 1 month essentials ๐Ÿชœ
3. Automate a small amount on payday (even R100โ€“R500) ๐Ÿค–
4. Keep it separate: savings pocket / money market / call account ๐Ÿ”’
5. Only use it for true emergencies (not holidays ๐Ÿ˜…) ๐Ÿšซโœˆ๏ธ

Your emergency fund doesnโ€™t make you richโ€ฆ
It makes you unbreakable. ๐Ÿ›ก๏ธ๐Ÿ“ˆ

๐Ÿ‘‹ Quick highlights from Jan โ€™26 ๐Ÿ“†๐Ÿ‡บ๐Ÿ‡ธ US: Fed paused rate cuts ๐Ÿฆ; volatility ticked up, but S&P 500 still +1.5% ๐Ÿ“ˆ.๐Ÿ‡ช๐Ÿ‡บ Euroz...
04/02/2026

๐Ÿ‘‹ Quick highlights from Jan โ€™26 ๐Ÿ“†

๐Ÿ‡บ๐Ÿ‡ธ US: Fed paused rate cuts ๐Ÿฆ; volatility ticked up, but S&P 500 still +1.5% ๐Ÿ“ˆ.
๐Ÿ‡ช๐Ÿ‡บ Eurozone: Inflation back at 2.0% ๐ŸŽฏ; defence shares rallied on budget headlines ๐Ÿ’ฃ๐Ÿ“Š.
๐ŸŒ Asia: China hit ~5% 2025 growth โœ…; first big AI listings popped ๐Ÿš€; Japan kept rates at 0.75% ๐Ÿˆบ.
๐Ÿ‡ฟ๐Ÿ‡ฆ SA: SARB kept repo at 6.75% โš–๏ธ; gold hit a record ๐Ÿช™๐Ÿ”; JSE All Share +3.7% led by resources (+12.5%)โ€”Sibanye +22%, Gold Fields +17%, Implats +21% โ›๏ธ๐Ÿ“ˆ.
๐Ÿ’ฌ Notables: Glencore & Rio Tinto back in merger talks ๐Ÿค.

Bottom line: Precious metals shined โœจ, SA equities strong, global markets steady-but-watchful. As always, stay diversified and focused on your plan ๐ŸŽฏ๐Ÿงญ.

โœจ Continuous learning is the cornerstone of responsible financial advice.I am proud to be attending the INN8 Investment ...
18/09/2025

โœจ Continuous learning is the cornerstone of responsible financial advice.

I am proud to be attending the INN8 Investment Summit, where thought leaders and industry experts gather to share insights on managing wealth in an ever-changing investment landscape.

As a CFPยฎ Professional, I remain committed to ongoing education and professional development โ€“ because staying informed ensures that the advice I give is always competent, ethical, and client-first ๏ฟผ ๏ฟผ ๏ฟผ ๏ฟผ.

To my clients: you can rest assured that your wealth is being managed with diligence, integrity, and the highest professional standards. ๐ŸŒ๐Ÿ’ผ๐Ÿ“ˆ

Liberty Group SA Kainos Group

๐Ÿš€ Interactive Scenario: Two Investors, One 40-Year Journey ๐Ÿš€Imagine two friends, both starting with big dreams and a TFS...
07/07/2025

๐Ÿš€ Interactive Scenario: Two Investors, One 40-Year Journey ๐Ÿš€

Imagine two friends, both starting with big dreams and a TFSA account. They each invest R36 000 per year until they reach the R500 000 lifetime cap, then watch it grow over 40 years. ๐Ÿ“ˆ

๐Ÿ‘ฉโ€๐Ÿ’ผ Investor A: Equity-Based TFSA
Allocation: 80% Global Equity @ 11% pa, 20% SA Equity @ 9% pa
Blended Return: 10.6% pa
๐Ÿฆ Investor B: Cash-Only TFSA (Fixed Deposit)
Allocation: 100% Bank Fixed Deposit
Return: 8% pa

๐Ÿงฎ Growth Milestones
After 14 Years (R500 000 contributed):
Investor A โ†’ R1 051 100 ๐Ÿ’ฐ
Investor B โ†’ R871 000 ๐Ÿ’ธ
After 40 Years (Compounding continues 26 more years):
Investor A โ†’ R14 411 000 ๐ŸŽ‰
Investor B โ†’ R6 439 000 ๐Ÿค”

๐Ÿ”‘ Key Takeaways
Power of Compounding: 10.6% vs 8% โ†’ over 2.2ร— more wealth for Investor A.
Offshore Exposure: 80% in global equities accelerates growth and hedges rand risk. ๐ŸŒ๐Ÿ’ฑ

Tax-Free Benefits: Both keep earnings tax-free, but higher returns amplify the magic of compounding. โœจ

โœ… Conclusion: Over 40 years, a tax-free, equity-based TFSA with significant offshore exposure turns R500 000 in contributions into over R14 millionโ€”compared to just R6.4 million in a bank fixed deposit. This shows why, for long-term goals, a diversified equity solution is the way to go! ๐Ÿ’ก๐Ÿ“Š



Liberty Group SA Kainos Group

๐Ÿ’ผ Getting Ready for Your First Meeting with a Financial Planner?๐ŸŽ‰ Congratulations!You've taken the first step in getting...
24/06/2025

๐Ÿ’ผ Getting Ready for Your First Meeting with a Financial Planner?

๐ŸŽ‰ Congratulations!

You've taken the first step in getting your finances in order by choosing to work with a CERTIFIED FINANCIAL PLANNER professional (CFPยฎ). Thatโ€™s a big move toward a better financial future!

๐Ÿงญ What to Expect in the First Meeting (The โ€œDiscoveryโ€ Meeting)

This first meeting is all about getting to know each other. Think of it like a first visit to a doctor โ€” your planner needs to understand your full financial health to help you best.

The CFPยฎ professional will:

- Ask about your money goals and dreams (like retirement, buying a home, paying for education, or leaving a legacy).
- Learn about your personal life (family, hobbies, lifestyle), since these affect how you handle money.
- Discuss your attitude toward money โ€” Are you a spender or a saver? What worries or excites you about finances?

๐Ÿ“‹ How to Prepare?

๐Ÿง  Reflect on These Questions:

- What do I want my money to do for me and my family?
- What scares me or excites me about money?
- How involved do I want to be in managing my finances?
- Am I comfortable using online tools to track my finances?

๐Ÿ—‚๏ธ Bring These Documents (if you can):

- Insurance policies
- Medical Aid Information
- Pension/retirement account info
- Any estate planning papers (like a will or trust)
- Investment statements

๐Ÿค Why It Matters

Being honest and open โ€” even about past money mistakes โ€” helps your planner create a better plan for your future. The more they know, the more they can help.

๐ŸŒฑ The Goal: A Long-Term Relationship

This isnโ€™t just a one-time meeting. Itโ€™s the beginning of a lifelong partnership to help you reach your financial goals โ€” through all the ups and downs of life.

Address

81 Regency Drive, Route 21 Corporate Park, Irene
Pretoria
0157

Opening Hours

Monday 09:00 - 19:00
Tuesday 09:00 - 19:00
Wednesday 09:00 - 19:00
Thursday 09:00 - 19:00
Friday 09:00 - 19:00

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