Category Archives: Investments

Lessons Learnt from Investing in 2016

Having recently read a report from the CEO of PSG Asset Management, Anet Ahern, here are a few key pointers that our top minds in the investment sector will be carrying with them as we start 2017. 1. The best investment decisions aren’t always the most comfortable During the first two weeks of 2016, a…
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Characteristics of a canny investor – Part 2

Just because you don’t have an ultimate financial gambit to sell a business or inherit funds, it doesn’t mean you will never become wealthy. The important thing is to know yourself - in particular, your financial behaviour. Modeling your behaviour after successful investors is already a step in the right direction. Let’s look at some…
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Investment insights – diversifying your portfolio

Investment diversification is not a new concept. I’m sure that we all know the old saying that you should not put all your eggs in one basket. If a “basket” drops, you don’t want all of your investments to break. Diversification reduces risk, making the uncertain journey to your financial end-goal significantly smoother. Investing is…
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Investing in your fifties

Many young people neglect to plan for their retirement during their early working lives, arguing that they will take care of it later in life when they are earning a bigger salary. However, on the flip side of the coin, as people get older they assume that they must rebalance their portfolios into more conservative…
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Financial Fortifications for Forty Somethings

It’s often said that the best years are the forties - and for so many reasons! Whilst everyone is different, it’s good to state at the start of this article that this perspective is becoming even more prevalent. Some forty year-olds are in their first marriage with kids, others are in their second or third……
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Retirement doesn’t happen at 65…

Retirement planning is only one component of a holistic financial plan and although retirement has a higher probability than all the other risk areas, this is the area we find people being the worst prepared for. Retirement doesn’t happen at 65… it happens when you make it happen! Planning for retirement is much like planning…
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AVOID THE ‘NEW DIET’ APPROACH TO INVESTING

Saving is a tricky financial discipline to master. Most people agree that it’s wise to save, but are unsure as how best to do it. They try one way, take a break, then try another. It’s similar to the way many people try to eat healthily. Again, we all agree to the benefits of healthy…
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TAX YEAR END – RA BOOST

With the tax year drawing to a close at the end of February, it is worth looking into the advantages of making a supplementary contribution into your retirement annuity (RA). The National Treasury estimates that only 10% of South Africans are able to maintain the same standard of living after retirement. Here are some good…
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5 TIPS FOR INVESTING

It is never too early or late to start an investment portfolio. If you already have a portfolio it doesn’t hurt to gain some extra insight, whether you choose to acknowledge the advice or not… at least arm yourself with it! Here are five investment tips to help you stay on top of your expenditures.…
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INVESTING IN ETF’S FOR KIDS

If you are interested in investing for your children’s future education, a good way to achieve this is with exchange-traded funds (ETF). It is best advised to have a balanced portfolio spread over multiple asset classes so as to reduce volatility and enhance performance potential. You should consider the following points when setting up education…
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THE TOP 3 REASONS THAT SOUTH AFRICANS SAVE

FNB recently did a study of the top reasons why South Africans choose to save their money in a culture with a penchant to spend, spend, spend. The results of the study show three main outcomes for which people save, prioritized differently depending on the income bracket of the person. The three main reasons for…
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REVISING YOUR RETIREMENT ANNUITY

Retirement annuities form a staple for many people’s financial saving diet. Seeing that it is such an important investment it would be wise to not let it stagnate and lose. The fees charged on RA's have undergone significant change over the past years, if you have been investing into your RA for more than five…
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WHAT KIND OF INVESTOR ARE YOU?

Recently I’ve shared several articles on investments, and then I came across this gem from Discovery! It digs a little deeper into understanding your own, personal, risk profile and how that pertains to your investment choices and behaviour. Remember, this is a snapshot typical behaviour types; before making any investment choices, let’s chat first! Identifying…
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HOW LONG SHOULD I INVEST FOR?

How long is a piece of string? Well, the answer is actually simple: as long as you need it to be. If you have to cut a piece of string, you’ll start with what you need it for. You measure your need and then you cut the string. You don’t work the other way around,…
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