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Trusted Advice: Avoid Scams – Investment Decisions.
I would like to focus on the ever-increasing realm of cyber attack and scamming that is going on, via cell phone, computers, emails and texts. We all need to be aware that these scams are out there and how we can best avoid them. One that I would like to highlight...
Is Rental Income a Sound Retirement Diversification Strategy?
Over the past few years, both the retail and residential property sectors in South Africa have been under immense pressure from the ever-weakening economy. When Covid-19 hit, the property sector was already straining to deliver the rental returns and property value...
Tito’s Supplementary Budget was Very Sobering!
For all to see, South Africa’s finances are in dire shape. Ten years of weak growth, mismanagement and corruption has led us to this point. Historically SA had one of the lowest debt-to-GDP ratios in the world, but now we have one of the highest across emerging...
Executorship and the Process of Winding up an Estate
Being nominated to be an Executor of an estate is easy, however acting as the Executor when the time comes is a different story! Besides it being extremely onerous and given that an estate can take anywhere between six months and several years to wind up, it can also...
The Role of Cash in a Portfolio
Popular headlines such as “the dash for cash”, “don’t give up on equities just yet” and “is switching to cash the right move?” have left many investors questioning their exposure to cash. During times of market volatility, cash is often questioned first, leaving...
The Financial Pyramid | Building your Legacy
The Savings Institute of South Africa (SASA) has designated July as the annual “Savings Month” on the South African calendar. The purpose of this initiative is to challenge investors to strive towards living within their means and to reinforce...
Investing in Bonds: The Basics
Bond Jargon: Before we get started, let’s quickly run through the basics. When reading articles or listening to fund managers getting into the swing of things, some of the terminology used may be confusing. Below are the key terms you may have come across when looking...
Change is the Only Constant
Change is the only constant in this world. Just like seasons, the world, life, and people change too! Brian Faulkner once said “Life is like a book. There are good chapters and bad chapters. But when you get to a bad chapter, you do not stop reading the book. If you...
Calm, Strategic Investing will see us through Virus Firestorm
What will the investment sector look like post-pandemic? The Covid-19 pandemic has swept the world like a firestorm, resulting in a shell-shocked global economy and frayed social fabric. Just one thing is certain as we look to a future beyond lockdowns: this crisis...
Zoom – A New Era of Communication
From nursery school sing-alongs to FTSE/JSE All Share company boardrooms and even Government cabinet meetings, a socially distanced world is reconvening in cyberspace with the help of Silicon Valley video conferencing app, Zoom. As governments across the world have...
The Importance of Differentiating between Saving and Investing
Having a comfortable retirement is a common goal we all share. For me, it would be being able to wake up every day in retirement knowing I have enough money not to have to worry and being in a position to allocate my time to those activities and people that mean the...
The Curse of Return
Investing is about time in the market; not timing the market. I understand that I am bustling an old tune here, but it is often overlooked. Investment strategies need time to play out through the market cycles, and hence, a longer term view is recommended. Whilst...
The Economy and Politics
The Coronavirus Pandemic is an ongoing pandemic of coronavirus disease 2019 (Covid – 19) caused by severe acute respiratory syndrome. The outbreak was identified in Wuhan, China in December 2019. The World Health Organization declared the outbreak to be a Public...
Teach your Children to Start Saving from a Young Age, and Secure their Future
Saving is often very much at the back of any young, recently employed person’s mind, and we know unemployment among young people is high. In fact, that is an understatement – it is frighteningly high, with the official figure for young people at roughly just over 50%,...
Don’t let your Emotions get the Better of your Finances During Lockdown.
We received another brilliant article written by Victoria Reuvers of Morningstar around the behavioural issues we tend to subconsciously fight as investors, especially during times like these. Most articles published in the press over the past few weeks have been...
What Interest Rate Cuts have meant for Investors
The 100-basis point interest rate cut last week means that we have seen the prime interest rate fall from 10% to 7.75% this year. In layman’s terms since the lockdown began, we have had 2% knocked off interest rates. There are a few smart things you can do during this...
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