Choosing the Right Retirement Strategy: Avoiding the Most Common Mistakes

by Hereford Group | Jul 31, 2025 | Personal Financial Planning

Now that you understand how RAs and TFSAs work, it’s time to talk strategy. This article explores how to use these tools effectively, and how to avoid mistakes that could cost you money  or delay your retirement dreams. 1. Don’t Exceed Your TFSA Limit TFSAs have...

Retirement Planning Starts Now: RAs vs. Tax-Free Savings Accounts Explained

by Hereford Group | Jul 31, 2025 | Personal Financial Planning

For many South Africans, retirement planning is an afterthought, something to be tackled “later.” But the truth is, the earlier you start, the better the outcome. And two of the most powerful tools for long-term savings are Retirement Annuities (RAs) and Tax-Free...

From Risk to Empowerment: Planning for Dread Disease in Every Stage of a Woman’s Life

by Hereford Group | Jul 31, 2025 | Healthcare

In Part 1, we unpacked why Dread Disease Cover is essential for South African women. Now, we turn the lens to how women can integrate this cover into their broader life and financial plans,  no matter their age or life stage. This is about turning fear into...

The Overlooked Risk: Why South African Women Need Dread Disease Cover

by Hereford Group | Jul 31, 2025 | Healthcare

 In South Africa, women are often the financial managers of their households, playing critical roles as mothers, daughters, entrepreneurs, caregivers, and professionals. Yet, when it comes to personal financial protection, women are too often underserved, especially...

Hepatitis, Liver Cancer & Financial Risk: Why Dread Disease Cover Matters More Than Ever

by Hereford Group | Jul 1, 2025 | Healthcare

World Hepatitis Day, observed on 28 July, brings global attention to viral hepatitis, a group of infectious diseases that severely affect the liver. In South Africa, hepatitis B and C are of major concern due to their links to chronic liver disease -including...