annuities can build up your wealth
Savings

Annuities Simplified

An annuity is really just a cross between an investment and an insurance product. The idea is that you invest a sum of money in another organisation like a charity or insurance company. You won’t get your original investment back, but in return they guarantee to pay you a higher return than you might get […]

Wills
Savings

How do wills work?

Wills are documents prepared by a person (testator) when they are alive stating how they would like their properties (estate) distributed upon their death. The testator nominates one or more persons as executors, charged with the responsibility of affecting the will. The testator then names (bequeaths) the beneficiaries to his will. Upon the death of […]

shares
Stocks

How do shares work?

You may have heard about an Initial Public Offering (IPO) and wondered what the fuss was all about. Well, companies generate capital for investments by inviting the public to become part owners. Companies start this process by listing on the stock exchange and calling on the public to buy shares through the IPO. After that, […]

bonds
Bonds

How bonds work

It’s no secret that loans power most big purchases such as cars, equipment, and houses. And that’s precisely what a bond really is – a loan to a business. When a government or a reputable company wants to invest more than they can afford, they typically sell bonds to raise capital for a simple reason. […]