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Who should have a will?


If any of the following circumstances are applicable to you, it may be necessary to have a will or review your existing will:

  • Recently married, divorced or widowed
  • Had a baby or adopted a child
  • Lost a spouse, child, parent or a sibling
  • Purchased a fixed property
  • Experienced a change in your personal or financial situation
  • Received an inheritance

Why you should have a will


A will enables you to:

  • Choose who should benefit from your estate
  • Protect the interests of heirs, including the nomination of a guardian for minor children and/or a professional trustee to administer their inheritance
  • Nominate an executor of your choice, thus avoiding the delays involved in the appointment of an executor

What if there is no will?


  • Delays in the administration of your estate
  • The beneficiaries of your estate will be determined according to legislation
  • The court could appoint someone you would not have approved of to be your executor
  • Cannot leave specific items to chosen beneficiaries
  • If you have no immediate family, distant relatives will inherit rather than close friends or a life partner
  • Your minor child's inheritance will have to be transferred in a monetary form to the Guardian's Fund until they reach the age of 18 years

What is an executor?


  • The executor is the person or institution nominated in your will and whom the Master of the High Court will appoint to administer your estate.
  • The executor is entitled to charge a fee for their services.
    • This fee is set by legislation and is amended from time to time.
    • This fee is currently 3.5% of the gross value of your estate plus VAT.
  • In a will, you can only nominate an executor. The Master of the High Court needs to approve the nomination and then officially appoint the executor.

A guardian for your child


Must you name a guardian for a child?

  • You should always name a guardian for a child who is a minor
  • A guardian ensures that the child is cared for by someone that you trust, to raise the child in the same manner as you would.

When nominating a guardian, please consider

  • Location: If a guardian is not resident in the same city, it may cause stress for the child if removed from a familiar environment.
  • Finances: Will accepting guardianship place a burden on finances?
  • Child's choice: Will your child feel secure with the guardian?
  • Guardian's age: If the child is young he/she will have to be cared for by the guardian until the age of 18.
  • Separate guardians: Do not nominate separate guardians for each child ??? they must be stay together.
  • Unmarried guardians: Do not nominate guardians to act together if they are unmarried. Children cannot be split between households.

What others need to know about your will


Nominating a guardian

  • Location: If a guardian is not resident in the same city, it may cause stress for the child if removed from a familiar environment.
  • Finances: Will accepting guardianship place a burden on finances?
  • Child's choice: Will your child feel secure with the guardian?
  • Guardian's age: If the child is young he/she will have to be cared for by the guardian until the age of 18.
  • Separate guardians: Do not nominate separate guardians for each child - they must be stay together.
  • Unmarried guardians: Do not nominate guardians to act together if they are unmarried. Children cannot be split between households.

What is a living will?


The purpose of a living will is to record your wishes regarding life support and artificial means of keeping you alive.

It is completely separate from your last will and testament.

A living will does not advocate euthanasia but simply removes the burden of making a difficult decision to switch off life support, from the family.

Get in touch


To get in touch,

call us on 087 736 8941

email financial_advisory@fnb.co.za

or speak to a banker or a financial planner in a branch.

For retirement


Ensure you're looked after

A high number of South Africans deplete their retirement lump sum within the first 2 years of retirement.

We can help you plan for your retirement so you can maintain the lifestyle of your choice.

Why save


Are you able to save?

 

Why save for retirement


  • To maintain your desired standard of living
  • To plan for unforeseen expenses once you have retired
  • To reduce reliance on your family or government social grant
  • To ensure you don't outlive your money
  • To maximize your allowable tax deductions with a correctly structured retirement annuity

Things to consider


  • How much do you need to save to be able to retire comfortably?
  • Will your company pension be sufficient?
  • Should you save for retirement in your company pension, an RA or a tax-free savings account?
  • How do you protect your retirement savings from volatile markets?
  • Should you be saving offshore for retirement?
 

Long-term investing


Enjoy the rewards of long years of working

 

Having a retirement solution in place can help you realise your desired lifestyle.

A retirement annuity is the most efficient way of saving and investing for your retirement either; as a primary solution or to supplement your existing pension or provident fund.

Our long term investment solutions, can further assist you take advantage of the compounding effect on returns over time so you can plan for that comfortable retirement.

Shares give you a view and independence to choose the stock exchange listed companies you would like to investment in, while unit trusts are a consolidation of pre selected actively managed shares.

Speak to your financial planner to find the right solution for you.

Shares-based solutions

  • Tax-free Shares
  • Share Saver
  • Share Builder
  • Share Investor
  • Local Trader
 

Legacy planning


Now's the time for estate + legacy planning


 

Make sure you update your retirement plan with any new retirement goals and adjust your savings and investments accordingly.

At the same time you should update your will to ensure that your hard earned money and other assets are distributed according to your wishes.

 

Getting it made easy


For retirement

Qualifying criteria

  1. Service is available to all potential and existing FNB clients.
  2. Have all relevant information about your financial affairs available.

Ways to apply

Call me back

Other ways to apply

Contact your financial advisor