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Making decisions about your finances in tough times While financial markets remain unpredictable, you need to ask yourself whether your financial needs have changed before you make adjustments to your long-term financial plan. Markets are volatile by nature and you should be looking through the cycle, not at the cycle. It is best not to make hasty decisions about your insurance and savings policies at this time. This update focuses on helping you to plan your finances wisely and gives you information on the global and local markets. Click on the links below to read more. Market news updates STANLIB economist, Kevin Lings, discusses the global financial sector crisis in an online presentation, covering: What went wrong. What is being done to stabilise the banking sector and financial markets. The implications of the crisis. Click here to view the presentation. Each section can be viewed separately. Click here to read an overview of the latest developments in international markets by Liberty Life economist Tendani Mantshimuli. Liberty will be there for the long term South African investment markets have been affected by the sub-prime crisis but Liberty Life remains in a strong financial position. Click here to read more. SA economic news update Click here to read an overview of the latest developments in our local economy by Liberty Life economist Tendani Mantshimuli. How should you respond during this time? When the market is volatile, it is important to stay focused on your long-term investment objectives and keep these five principles of sound investing in mind: Don’t time the market. Stay invested for the long term. Invest in a diversified portfolio. Invest regularly. Invest with the right company. Click here to read more. Guidelines for financial action Be objective about your financial decisions and make sure that you have a plan to protect and grow your wealth, no matter what the economic climate. Click here for 10 steps to controlling your finances. Speak to your financial adviser Your financial adviser is best placed to answer questions about your portfolio and guide you in making decisions about your financial future. If you don’t have a financial adviser or if you have any questions about your policy, please contact our call centre on 0860 456 789 or email [email protected]. Best wishes to all our customers We have witnessed many dramatic events this year. Changes in local and international political governments and the upheaval in the markets have dominated the news and have affected all of us in some way. Thank you for being a valued customer of Liberty Life. I hope the approaching holiday season will give you time to relax, reflect and recharge for 2009! Kind regards Steven Braudo Chief Executive Officer: Liberty Insurance