Living the good lifeSo, you've been working for a few years and are pretty independent. What's next?
          personal financial planning and advice life stages single and established

          Financial Focus

          This stage of your life is categorised by a level of financial independence. You're in your first or second job, you may be in a committed relationship and possibly purchased a new car. You may be thinking about buying your first house or flat.

          Financial plan

          No matter what your life stage or financial needs you need a financial plan and a budget. Both of these will change as your life circumstances change. If you need help please visit our financial advice section for tips on how to manage your finances.

          Emergency savings plan

          It is important to put aside an amount each month to cater for life’s little emergencies. This should be done through a bank account or lower-risk investment that offers you competitive interest rates and easy access to your money.

          Saving for a goal

          We all have our goals in life and it is important to save towards achieving them. There are many investment and savings products that will help you maximize your financial growth.

          Short-term insurance

          You have worked hard to achieve your goals and for your possessions. So, whether it is a car or a hi-fi, you should consider protecting your assets and possessions with a good short-term insurance product that suits your specific requirements.

          Home loans

          Maybe you already have enough for a deposit or you may qualify for a 100% bond.


          If you haven’t started planning for retirement yet, start now or, continue to build on your existing retirement savings. Perhaps consider supplementing your employer’s pension plan with a retirement annuity of your own. Don't forget that an early and generous start could mean the difference between being able to retire and having to work in your old age.

          Medical Aid

          Your employer will most likely insist that you join their medical aid scheme. But, if you have started out on your own or are responsible for your healthcare and that of a loved one, you need to be sure that you have picked the right plan to suit your circumstances.


          Start investing young and develop a culture of financial freedom now. Start off by putting a small amount of money away every month. Old Mutual has a range of products that aim to help you achieve financial growth.

          Changing jobs

          One of the questions you need to ask yourself when you change jobs is what you intend to do with the pension/provident fund money you accrued with your previous employer.

          Old Mutual offers a number of retirement funding products. You can choose a permanent retirement solution or somewhere to park your money until you know where you want to invest it.


          Professional financial planning & advice are invaluable when structuring a financial portfolio. Contact an Old Mutual financial adviser today to help you develop a financial plan that suits your current circumstances and financial position.

          Other life stages to explore