Where should I invest my money?

This post is written with the South African small investor in mind with limited experience in the area of investing who would like to make smaller regular payments to achieve a certain goal.

Investments are money vehicles and just like ordinary vehicles you have to choose the right type of vehicle for the desired result in other words you need a goal or a plan when it comes to your money. In a perfect world a car would be like a James Bond car where it could fly; drive and go submersible all at the same time unfortunately this is not the case in real life you need to choose an investment based on your goals for that money.

The most important thing about investing or saving is the way  you think about it; it works best if you look at your savings and investment payments as mandatory expenses like fuel and food instead of optional items that you only pay for when you have the finances for it.

You need to consider a number of things when you invest

 Liquidity

Liquid investments are those type of investments you have immediate access to such as buying or selling shares; unit trusts and money in a savings or money market account. If you looking for liquidity you are looking for immediate access to your money and are ideal for people who want to make on the spot purchases or payments in the short term. Interest and capital gains are relatively low and may very well be below inflation but are useful when searching for a purchase that may need immediate payment or a deposit is required.

IMPROVER LOW COST DOCTORS PLANS

 The Improver is a low cost alternative to medical aid.
The Improver has launched a variety  of low cost Doctors Plans for the cash strapped South African Consumer. With constant  pressure on our income from inflation its refreshing to know some companies still care.
Call 0861 WEHELP (934357)
Email your contact details to admin@pbmarketing.info 
visit www.improver.co.za

Improver Doctors

This product provides you with Unlimited Doctors Visits only to be used at a General Practitioner.

All Improver doctors plans provide Medication with the Consultation

Premiums are to be calculated per person as illustrated
   

Main Member  :           R350 per Month  

Improver DDO

This product provides you with Unlimited Doctors and Dentist Visits for basic dentistry which includes Cleanings extractions and fillings only as well as one pair of spectacles every 2 years per listed member

Improver DDO also pays for x-rays and blood tests requested by your general practitioner as well as wisdom tooth extraction if done in the dentist’s chair (surgical dentistry is not covered)

Premiums
   

Main Member  :           R650 per Month  

Improver Elite

This product provides you with Unlimited Doctors and Dentist Visits for basic dentistry which includes Cleanings extractions and fillings only as well as one pair of spectacles every 2 years per listed member

Improver Elite also pays for x-rays and blood tests requested by your general practitioner as well as wisdom tooth extraction if done in the dentist’s chair (surgical dentistry is not covered)

Added to Improver Elite are 2 Specialist visits per Family Member per year. This is a refund benefit and is Limited to R1000 per visit and account needs to be submitted to us within 6 months of the specialist visit.


Premiums
   

Main Member  :           R750 per Month  

All Improver  plans can add your Partner at R180 per month and add up to 5 children at R100 per child.
All Improver Plans are stated out of hospital plans and benefits are not equal to those of a medical aid 
The Consultant you speak to may provide you with current promo offers