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Key thoughts for passive investors

Passive investing has become the most popular investing strategy, globally. Simply put, it’s the strategy of buying the whole market (a diversified reach of stock allocations, ETFs and the like), and continually contributing to your portfolio. The long-term goal is to achieve the average market return. This strategy avoids buying and selling regularly (like with actively managed strategies), long hours of extensive research into individual companies and stocks. In theory, this sounds like an easy approach […]

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Four Fresh Investment Ideas

We all want more from life. We want to live a good and meaningful life. This is how we generate hope, by believing that there is something new for us to discover, fresh for us to share and fulfilling for us to experience.  Sometimes life will gift us a reward that we haven’t had to work for directly, but for everything else, it is a constant cycle of trade-offs. We have many resources at our disposal, […]

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Is active or passive fund management better?

The first thing to remember when approaching investing is that the best approach is dependent almost wholly on the investor and their desired investment outcomes. While this may sound simple, working out desired outcomes hinges on many factors and conversations and ultimately works out best when a trusted financial adviser guides the investor. In a nutshell (this is a very simple explanation): Active fund or portfolio management is overseen by a team of investment, market and […]

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Is there more to life than happiness?

There seems to be an increasing drive to pursue happiness; we want to be satisfied and content with who we are and what we do with our lives. Whilst a few people seem to eventually “find” their happiness, many of us are still trying to figure out what would genuinely lift our spirit… and keep it there! The usual assumption is that we’ll be happier when we achieve success, but some successful people think their accomplishments […]

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Divorce and your retirement savings

Recent times have been life-altering for so many, from emotional and health traumas to relational and financial traumas. We’ve all had to encounter a considerable onslaught of ‘stuff’ to process and deal with. It may just be life, but it’s still hard. Divorce is one such trauma that so many have to work through. It has a wide range of social and financial implications, as Lebona Khabo from Allan Gray highlighted in a recent article on […]

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Savings Goals

The hardest time to save is when we’re ‘just saving’ with no end in sight. It’s like going to the gym to train; but, train for what?  As Lewis Carrol once wrote ‘If you don’t know where you’re going any road will get you there.’ Goals help us set the direction and motivation for our choices, and speak to our integrity and authenticity. Whilst most people want to enjoy a prosperous life, a proper plan for […]

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Tax Savvy Investing

Nothing is certain in life, except for death and taxes. Benjamin Franklin said this almost 300 years ago, and it still rings of truth. The economic and political landscapes are now even more complex and connected than they were in the early days of American politics and free-market exploration. Making money has never been easier, whilst at the same time, it’s never been harder to keep. Saving and investing seem to be things that ‘only the […]

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How to set flexible goals

Last week we looked at why it’s important to become flexible in setting goals. This week we’ll consider how we set flexible goals. Setting personal goals can empower us to transform our lives and drive towards our wishes – but if we feel like we’re not achieving our goals this can have an adverse effect. With the major changes we’ve all experienced in recent times, we need to shift to set flexible goals. What are flexible […]

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Stocks vs Shares

In the world of investing there are myriad ways to create wealth. These systems are complex, integrated and offer just enough certainty to attract our attention, but not enough to be a sure-thing. Two investable options that are talked about daily are stocks and shares. They sound and look very similar, but are in separate categories of investing and offer slightly different opportunities and have disparate risk exposure. In this blog, things may get confusing, so […]

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Why we need to be flexible with our New Year’s Resolutions

Towards the end of every year, it is customary to reassess our priorities, take stock of the year that was, and plan for the year to come. The emergence of the 2020 Coronavirus pandemic and global lockdowns disrupted our daily routine and our lifestyle altogether, throwing most plans and resolutions out the window! Does that mean that planning is no longer helpful? Or does it mean that setting long term goals is no longer relevant? Not […]

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