We strive to provide you with clarity, order and direction.
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...
Importance of Financial Planning for Women
The current COVOID-19 lockdown provides the perfect time to consider and evaluate your personal finances. The article below produced by Liberty Group provides a snapshot look at why financial planning is vital for women. Financial planning is generally not gender...
Women in Leadership – Navigating the Covid-19 Crisis
In the aftershock of the 2008 financial crisis, it was suggested that banks led by a higher proportion of women, as well as countries that appreciated a higher representation of women in leadership, particularly in the financial sector, endured less trauma from the...
FAQ’s – Covid 19 Markets and your Returns
Why have my retirement savings lost so much value? Your retirement savings are invested into financial markets, thus there is a link between your investment and the financial markets. A portion of your retirement savings are in shares; shares and your investment have...
Reserve Bank Cuts Interest Rates
The interest 1% rate cut announcement on Thursday the 19th of March was a breath of fresh air in a world gone mad as the spreading coronavirus disrupts businesses and financial markets, meaning the repo rate drops to 5.25% and the prime rate to 8.75%. If you have...
The Understated Importance of Debit Orders
‘Buy low and sell high’ is the cornerstone of investing. It is a phrase used during uncertain times like these to encourage investors not to capitulate and sell out of their equity investments. Alternatively, it serves as the perfect piece of advice to those with cash...
Highlighting Some Positive and Unexpected Events Following COVID-19
Some victories on the continent of Africa U.K. aid is funding the effort to develop a rapid diagnostic test for COVID-19, which will be jointly manufactured in the United Kingdom and Senegal — a first for the African continent. The developers told Devex they intend to...
9 Things You Need to Know About the Lockdown
We can’t begin to comprehend how it must feel to carry the weight of an entire country on your shoulders. To ensure the safety of every citizen, no matter how old or young, rich or poor. The decisions made by Cyril over the past few weeks can’t be easy. Being...
Trump’s Trade War: Even Worse Than You Think
From the Corospondent July 2019 issue BARRY EICHENGREEN Barry Eichengreen is a Professor of Economics and Professor of Political Science at the University of California, Berkeley, US. THE TRADE WAR Between the US and China is not ending anytime...
What will it Cost us to die?
Gareth van der Merwe Director, Private Wealth Manager & Fiduciary Specialist Estate planning is a challenging task, and even meticulous planning can be undone if an estate does not have sufficient liquidity to satisfy the compulsory administration costs and...
Prescribed Assets and How it Affects You
Glynis Schnell Private Wealth Manager South Africa is struggling with a growing debt problem, which accounts for 60% of the Country’s GDP. The ANC estimates that there is over R6 Trillion worth of assets held by asset managers in the country. In the light thereof,...
Model Portfolios, Morningstar and award-winning funds – The benefits of a robust investment process
James Ferreira, CFP Private Wealth Manager South African investors deciding to invest their money face an incredibly difficult decision in choosing where to allocate their hard-earned capital. In South Africa, we have over 1,500-unit trusts that are limited to...
Its all about perspective
The last few years have been a roller coaster ride for many investors both locally and offshore, where the last 36 months has given us the best and worst returns all in one go. Eg. December being the worst month in almost a decade for all global markets, these very...
Why are local asset managers so optimistic?
The start of 2019 has delivered some relief for local investors. The JSE has now strung together three consecutive positive months. From the start of December last year to the end of February, the FTSE JSE All Share Index was up 10.8%. That is the most sustained gain...
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