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Part 2 – Expat tax: SARS at risk of losing even more money
Following on from part 1 which explained what financial emigration involves, part 2 looks at the recent amendment to the income tax act and what that means to South Africans who decide not to financially emigrate and who need to be aware of the recent tax changes and...
Part 1 – Financial emigration: What it involves
The following article (part 1) was recently published on fin24 and highlights some interesting points around financial emigration. Part 2 will further elaborate the impending amendments to the income tax act. Financial emigration is an exchange control matter that...
Investment psychology – Part 1
“Science does not know its debt to imagination” -Ralph Waldo Emerson Dopamine – what does this have to do with investing? Much research on brain functioning is done in the area of risk and reward. What is interesting is that there is a physical reaction in the brain...
Navigating the Storm
Picture this: it is the late 1800’s. You are the captain of a sailboat travelling along the trade routes of India, when the skies start changing and the winds start picking up. You know the challenge you are about to face: navigating in a storm. As the waves bash...
Why Cash can be the Riskiest Asset of All
Every investor would have heard of equity and listed property referred to as ‘risk assets’. They would also have seen a graph which shows the relative risk of different asset classes, with cash at the bottom as the ‘lowest risk’ and equity at the top as ‘highest...
Ulysses and the Sirens
Ulysses and the Sirens is a 1909 oil painting by Herbert James Draper. It depicts an episode in the epic poem, Odyssey, by Homer in which Ulysses (Odysseus) is tormented by the voices of Sirens. They sang an enchanting song that normally caused passing sailors to...
The Importance of Full Disclosure for Assurance Underwriting
With Momentum Life making headlines regarding the repudiation of Mr. Ganas widow’s life assurance claim due to him having a high blood sugar level which was not disclosed at the underwriting stage, this after her husband was killed from a gunshot wound as a result of...
The Year That Was – 2018
With the end of another year fast approaching it is worth “pausing” to reflect on what has been a crazy year so far on many fronts. Unfortunately, politics continue to dominate both locally and abroad creating a difficult environment for investors. So, what has...
Resolute Wealth Management’s New Years Resolution – Offshore and Tax-Free Investments are the way to go.
As we are approaching the end of another year full of market confusion and volatility, with all of Trumps comments, the Steinhoff saga, the Rand reaching its weakest in more than two years and a vast array of other factors affecting the market, investing these days...
Millennials Shouldn’t be Without Income Protection
Risk cover is one of the most important investments you can make in yourself. Although it is often seen as a grudge purchase, being adequately covered allows you to live worry free, knowing that should you be met with a life altering situation, you will have the...
Investment Vehicles and their Estate Planning Benefits
Most people don’t realise what the different benefits are for the different investment products when it comes to estate planning, especially bearing in mind Estate Duty and Executor Fees. A key difference between pre-retirement products (like pension, provident,...
Investing in Australia Directly with Resolute Wealth
For many years now, we have been strong advocates of direct offshore investing and it has been a core focus for us to ensure that our clients have access to the best offshore investments available in the market. In light of our offshore offering to our investors, we...
Start With The End In Mind When Investing
There are many definitions of investment risk. Some reference volatility or investment drawdowns. Others centre on the underperformance of a fund versus an index or sector average. Often, these are shorter-term measures. But what does risk really mean to investors? It...
What Really Matters – Five Themes for Success
When you entrust money to our management we have a humble ambition: to make the fewest mistakes on a path to maximizing reward for risk. Below we elaborate on what that means to us, by revealing five of the important portfolio construction ideas that we believe will...
Comparing Insurance Company Offerings and their Premiums
When comparing, or wanting to take out new long-term assurance, it is important to know what different types of offerings there are, and what the consequences of these offerings may be. One important difference is identifying if certain cover is accelerated or...
How Currency Markets Work and Why the South African Rand is Falling
Given that South Africa operates within a flexible exchange rate regime, the value of the Rand, like any commodity, is determined by the market forces of supply and demand. The demand for a currency relative to the supply will determine its value in relation to...
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