In today’s world, wrought with political and economic uncertainty, investors are rushing to gold.  It has its place.  But as with anything in life, understand its shortcomings.   Warren Buffet once commented in the Fortune magazine that investing is often described as...

This month, I wanted to touch on a rather gloomy topic focussed at business owners who have dedicated their lives to building their businesses.  Owners who have a significant portion of their wealth tied up within their businesses carry the risk that should they pass...

If you listen to the local, area specific radio stations, I’m sure you would have heard the name Capital Legacy being bandied about over the past month as they have been on a marketing drive to increase their footprint in the industry, despite them already being the...

South African investors have had no shortage of challenges over the past decade. Going into 2020, we were all hopeful that this was going to be the year we would turn the proverbial ship around. Covid-19 and its associated challenges have, however, steered us into...

This month, I wanted to touch on something that may often be overlooked or merely accepted when comparing two different investments, namely, what a 1% difference in returns can amount to over a long-term investment period. As independent advisors, a large part of the...

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...

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...

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...

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...

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 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...

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 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...

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...

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...

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...