Compound low fees with good advice.
Advice seems to be available at the touch of a button. And in many instances that advise is short lived or untested, or its advice that is found on any of the social media networks. The reader needs to decide if the advice is relevant to him or her and if it is...
Small %’s do count, especially over time
Committing to retirement savings is difficult enough and more so if you are self-employed and structure your own salary or you don’t have any employer pension benefits. So when you make the commitment to save for retirement and you have to as soon as possible. Also...
Income after retirement. Know your options.
Approaching your retirement date and making all the decisions on income vehicles and investments choices can be quite daunting. As this point I want to start with, please just get qaulified independent advice. Depending on your choice of prodcut, you might only have a...
Holistic Financial Planning, its actually about the bigger picture.
For some “holistic financial planning” might sound familiar for most it wont. Holistic planning: “is looking at the whole of something, and not just dealing with particular aspects.” Everyone is different, and everyone’s needs are different. No single solution will...
Business continuity and personal certainty.
Are you a shareholder, owner or director of a business? Then this article will be highly beneficial to read. Understandably most business owners primary focus is on the operational activities, expansion, and growth of their businesses. Due to time constraints and in...
Controlling the controllable
You might be familiar with the “Serenity Prayer” - “God grant me the serenity to accept the things I cannot change; courage to change the things I can, and wisdom to know the difference” One of the most important attributes of being a successful long-term investor is...
Do not chase yesterdays winners
If you think you are in the wrong unit trust because your fund has not performed to your expectations, it may be that you backed yesterday's winner. Unfortunately this could be due to bad investment advice. Numerous brokers, that also give investment advice would give...
An investor biggest enemy
There are a few aspects that directly impact the outcome of your investment results. These are things like market volatility, total investment cost, asset allocation, diversification, inflation and risk profiling, to only name a few. For the long-term investor there...
Offshore Investing
Unfortunately, South Africans have a history of panicking when the Rand weakens sharply and then respond by taking money offshore. This is a typical investment rookie mistake as the timing of moving money offshore just when the Rand has weakened sharply could be very...
