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Kapil Ramdeyal

Kapil Ramdeyal

Momentum Financial Planner

My purpose is to partner with and guide you on your journey to Financial Wellness. My Team and I will be here for you every step of the way to ensure that you make optimal financial decision's. We will critically analyze your individual needs and circumstances to provide a comprehensive plan and recommendation's for you to achieve your lifetime Financial Goals.

Article
The worst financial advice you'll get this year
Here is a checklist for what NOT to do. If you follow these 10 tips, watch out - you’re at risk of making bad financial decisions.
Factoid
In 1980, a bag of Simba crisps cost 99c. How much do you think a 2l milk cost?
When you invest, you must beat inflation. This is why South Africans can't afford to put their money under the mattress.
Podcast
Would you trust Homer Simpson with your money?
In this episode Niel Joubert (Communications Manager) talks to Paul Nixon (Head of Behavioural Finance) about the human brain, behavioural finance, and why we make the choices we do.
Article
Help your kids learn about credit
A short lesson about what credit is - for kids aged 8 to 12
Tips
Are you sandwiched between looking after your parents and kids?
If you’re part of the sandwich generation, you’ll know how stressful this can get. Here are some tips on how to cope.
Article
It's good to talk to your kids about money
Families can use everyday 'teachable moments' to set their children up for financial success
Factoid
Why money isn't as simple as it seems.
These common beliefs about money are not necessarily true!
Article
Do you have financial anxiety? Here's how to calm your money nerves.
Do you procrastinate when it comes to opening the bills every month? Or stay awake at night worrying about money? Find out what financial anxiety is and how to manage it.
Factoid
How much would you have today if you had invested R1,000 in Apple 10 years ago?
Think you know the answer?
Tool
Save on your premiums!
Every little bit helps. Please speak to us to make sure you’re not paying too much for your insurance, medical aid, life insurance, or other money products.
Video
How much you'll spend over Christmas
Find out what the average South African spends during Christmas and how to plan for the festive season.
Factoid
Yes, Monopoly can help make you richer!
Learn from Monopoly to manage your money better.
Podcast
Do you feel overwhelmed thinking about money?
In this podcast Levashni Naicker (Communications Specialist) talks to Paul Nixon (Head of behavioural finance) about investor behavior, investment noise and what happens when we are faced with too many choices.
Tips
Lose your job? Don't make rash decisions.
Thinking of spending your payout? Paying off debt? Opening a business? Read this before you make any decisions.
Article
Fun fact: In 1980, Pepsi cost R0.33. In 2023, it costs R9.99.
When you invest, you must beat inflation. This is why South Africans can’t afford to put their money under the mattress.
Factoid
Thinking of buying sneakers?
Instead of buying new sneakers in 2016, you could have bought Nike shares and made your money grow 6-times over.
Tool
Let's talk about school fees and other monthly education costs
Use this calculator to work out your monthly school bills
Factoid
Warren Buffett's 5/25 rule
What one of the world's richest men says about prioritising.
Factoid
Rules for good money management.
4 pointers for your 2023 financial plan.
Podcast
Making sense of annuities
In this podcast Niel Joubert (Communications Manager) talks to Elri Pienaar (Manager: Income and Structured Solutions) about annuities.
Factoid
Every person in the world has 3 currencies...
One is money. What are the other two?
Tool
Fun facts about money for younger kids
Do this quiz with your younger kids to start getting them interested in money.
Article
Do you pay towards the care of your parents as well as your children?
The ‘sandwich generation’ is shorthand for those who financially look after parents as well as children. Are you part of the sandwich generation? If so, you need to consider your parents’ needs in your financial plan.
Podcast
Do good while making returns.
In this episode Levashni Naicker (Communications Specialist) talks to Kudzayi Ziso (Corporate Portfolio Solutions Portfolio Manager) about the topical subject of responsible investing and why it should appeal to investors.
Form
Has your financial position changed?
Use this checklist to find out if you have all your financial bases covered.
Article
5 tips for building your emergency savings fund
It’s more important than ever to build up emergency savings that you can fall back on when the world gives you a financial knock.
Factoid
What the rich don't want you to know
Financial principles that work for everyone no matter your situation.
Article
Life insurance is very different to an investment - here’s why.
Most people need both insurance and investments in their financial plans. Before you make any decisions, make sure you understand what insurance is.
Guides
Financial to-do list if you're planning to have a baby
Life often hands us surprises, and we can’t plan for every situation - but if you follow this financial to-do list, you’ll be better prepared for your life as a parent.
Video
Welcome to your fun fund!
We have all heard of an emergency and rainy-day fund, but what about a fund for the good times?
Guides
80% of New Year's resolutions fail!
Make a plan instead – here’s a 5-step guide.
Article
South Africans are investing internationally - from their armchairs
There has never been a better time to set up your international investment.
Video
Premium lamb chops for R6.60
Sounds dodgy, right? See how inflation can leave a bad taste in your mouth.
Form
Are you making these common money mistakes?
Your long-term wealth depends on the choices you make with each challenge you encounter as you move through life. Check how you are doing with this quiz.
Article
Do you earn more than your partner? Let’s talk about it.
When one partner earns more than another, there’s bound to be complications. It’s time to talk about how to manage your finances, especially if you’re in the tricky position of earning more than your partner.
Tool
Are you about to have a baby?
You have probably thought about baby clothes and nappies, but have you got your finances in check? Do this quiz and find out.
Tool
Living the good life!
So you’ve tied the knot and want to have a great life. But do you and your partner think about money the same way?
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