Open post

Living annuities and how they affect your living

Oh, the ironies of life…  One of South Africa’s most contentious laws regarding annuities states that a retirement fund may not be completely withdrawn in a lump sum, but a minimum of two thirds must be invested into a compulsory living annuity in an attempt to aid preservation of retirement money. Even those who are well informed about their retirement money sometimes forget this element of their annuities. Then along came the Coronavirus pandemic with global […]

Continue readingMore Tag
Open post

Words that will make (or cost) you money

Communication around your finances is crucial if you want to be more mindful and intentional around wealth creation. There are some conversations that will help you ascribe meaning to your money, and these should happen early on in your planning process (and regularly thereafter). Then there are conversations that will facilitate the actioning of your financial plan and will be important when you need to make changes to your portfolio. Here is a quick guide to […]

Continue readingMore Tag
Open post

Finding the fungibility in commodities

Depending on your level of investing savvy, you may or may not be comfortable with the term ‘commodities’. As our global systems currently enter one of the toughest times experienced in over a hundred years, you may hear this term bandied about a fair amount. Essentially, commodities are the basic building blocks of the global economy, upon which most other goods are created. They fall into two broad categories – hard and soft. Hard commodities are […]

Continue readingMore Tag
Open post

Investing amid uncertainty

Anything of any value takes time. Likewise, creating wealth is a long-term process. Well-structured investment strategies have always taken uncertainty into account. Patience, resilience and a robust strategy are imperative to weather the global investment storm that has been raging in recent times. As you embark, or continue, upon your journey to great financial security, it is important to wholly understand the investment landscape. This is one of the areas where having an adviser you trust […]

Continue readingMore Tag
Open post

Bear Markets vs Bull Markets

When it comes to investing in the markets, the terms bull and bear market are used to describe how stock markets are doing in general. Simply put, are they going up or are they going down? At the same time, because the market is determined by investors’ attitudes, these terms also denote how investors feel about the market and the ensuing trends. Driving up A bull market refers to a market that is on the rise. […]

Continue readingMore Tag
Open post

Why have the markets taken a knock?

In a nutshell, the markets are driven by business activity which is supported by investor confidence. When businesses have investors, they can grow and create more value, which in turn encourages more investors. When businesses can’t run normally (like in the case of a global pandemic), investors fear they will lose money and pull out their investments or stop supplying more cash – which hits the businesses even harder. The interconnected world we live in means […]

Continue readingMore Tag
Open post

Understand what you need in your adviser

Here’s the thing about a 20-minute DIY job: it never takes 20 minutes. Either you don’t have the right tools, or the right skills… or the materials turn out to be too hard, too soft, too big, too small etc. On the rare occasion, it might take you 20 minutes or less. You might be perfectly suited to it, and have all you need on hand. For most of us – it doesn’t turn out that […]

Continue readingMore Tag
Open post

Financial wellness mindsets for life’s autumn

Autumn is a precious time of year and is perhaps an altogether more positive metaphor for another special time: the tail end of middle age when we are far from elderly, but far from young. You look up one day and realise that while you were busy building a life with your family, or perhaps pursuing a fulfilling career, the years rolled by more quickly than you thought. There’s still time on the proverbial clock, but […]

Continue readingMore Tag
Open post

Offshore investing and the new expat tax

As of 1 March 2020, an amendment to the South African Income Tax Act will have definite ramifications on the lives of South Africans living and working abroad. Now that this infamous ‘expat tax’ is in effect, SA expats are now obligated to pay up to 45% of their foreign income to the taxman when it exceeds R1 million per annum, which includes any fringe benefits provided as part of the job. But what about investors? […]

Continue readingMore Tag
Open post

The NHI: What we know so far

South Africa has just had its annual Budget Speech, with one of the many controversial topics not addressed being the National Health Insurance scheme. Yet President Ramaphosa stated very recently that he expects it to be fully rolled out within the next five years. The NHI was initially to kick off on 1 March 2020 but is currently years away from full implementation, with much still unknown about how NHI will actually work. So, what do […]

Continue readingMore Tag

Posts navigation

1 2 3 4 5 6 7
Scroll to top