The value of independence

“As far as possible, try to use a qualified, certified financial planner (CFP) who is independent who will work for you as a client,” Ruark Pepler. The financial planning industry is filled with confusing jargon, products, processes and role-players! Choosing the right people to help you look after your financial planning is essential to your...

What is diversification?

“The purpose of diversification is to reduce your overall risk,” Ruark Pepler. It’s well known that it’s unwise to put all our eggs into one basket, and when it comes to investing, diversification is how we do that! To put all our savings into one investment vehicle or a money market account means that our...

Saving vs Investing

“In the simplest terms, one is the accumulation of funds whilst the other is the growth of funds,” Ruark Pepler. Did you know that there’s a difference between saving and investing? So many people use these terms interchangeably, and it can confuse and restrict the growth of your financial portfolio. If we are not growing...

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