News & Opinions


Reclaim the State

Many commentators are coming close to consigning President Cyril Ramaphosa to lame duck status. “Just do something”, they cry. One commentator who thinks the President is not only doing something but is succeeding to a large degree is political analyst JP Landman. His recent investment research note, published by Nedbank Private Wealth, provides an interesting perspective we thought we would share with you.

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It’s Time to Get Ruthless, Mr President

You may agree with the observation that currently President Cyril Ramaphosa is in a very tight spot. He needs to create policy certainty and restore investor confidence, but his conflict-ridden party appears to be in a state of paralysis and unable to move forward. Faced with limited room for manoeuvre, growing debt and diminishing options to borrow money, one pattern of thought is that it’s time for him to become a bit ruthless.

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Chase Your Passion, Not Your Pension

Joseph Campbell once said, “Follow your bliss and the universe will open doors where there were only walls.” Campbell is saying that real financial security and freedom is not to be found in your job but in your passion. But with bills to pay and many of us responsible for putting food on the table it sounds much easier said than done. But it got us thinking, what if you chased your passion instead of your pension?

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Buy, Build, Sell or Beg?

According to an old Scottish saying, the father buys it, the son builds it, the grandson sells it, and his son begs. In fact, a US study reveals that as many as 70% of intergenerational transfers of wealth fail. Too many people simply place the blame for this on the “kids” who received the money, but a recent analysis we have come across exposes the real reasons.

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The Importance Of Being Wrong

Even the greats get it wrong sometimes. Sir Alex Ferguson is widely regarded as the best football manager of all time, yet his win ratio with Manchester United was only 59%. Or viewed from a different angle, he didn’t win close to half (41%) of the matches he managed. And the best fund managers? Same story. Just over half (53%) of the stocks selected into their portfolios outperform the index! So what makes these losers … winners?

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The true cost of emigrating – expat tax

Changes in the tax structure of South African expats are imminent, necessitating many of them to carefully consider their tax residency status. This can be a tricky business because of some confusion around the difference between financial emigration and becoming a non-resident for tax purposes. Sable International forex specialist Tim Powell looks at the options, which we are sharing with you.

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Life Begins at … ?

Life begins at 40. Or does it? Meet the “young-old”. These are people ranging in age from 60 to 75 and even older who continue to be very active, healthy and productive. They’re living and enjoying an extended middle age and challenging the definition of what it means to be “old”. The implications of this trend are profound for society, as we discovered in reading a recent Financial Times feature.

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Investing offshore – mind the red tape

When it comes to investing offshore there are now more and more rules to consider and the existing rules are being enforced more strictly and more often. Genuine global diversification relies on legal strategies and greater transparency, which come with lots of red tape. Although the paperwork alone is daunting, the process could take as little as a few weeks if help is at hand to navigate the path smoothly.

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Transform your life, one night at a time

Many of us, it seems, are missing out on sleep – “the chief nourisher in life’s feast,” which is how Shakespeare viewed sleep in his time. Today, Ariana Huffington, founder and editor-in-chief of The Huffington Post, looks at sleep in our time and comes up with a startling conclusion in her new book: we’re in a sleep deprivation crisis.

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