News & Opinions


In Search of the Silver Lining

Persistent weakness in our economy is cause for concern and many investors are likely to become tired of being told to be patient, look to the long term, remain cool, calm and collected. So, what should investors make of all this? We take a look at what’s going on behind all the daunting headlines.

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Marshmallow anyone?

As the silly season rapidly approaches, stores are already filled with Christmas goodies (in October, really?). Many of us may be wondering how we’re going to survive the next two months without overspending, overeating or drowning in too much debt (or aperitifs). So how do we resist all this seemingly endless temptation? And what coping strategies can we use?

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Thinking the (Usually) Unthinkable

So, you’ve got your future covered. You have a financial plan with a pension scheme and retirement annuities; you have insurance policies; medical aid and gap cover; a living will; a healthy spread of investments in property, and the income to pay for it all. So you have everything covered, right? Or is something missing? What haven’t you considered?

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Why is Populism on the rise?

The rise in populism in our country, reflected in the EFF-driven land expropriation without compensation and Reserve Bank nationalisation agenda, is uncharacteristic to South Africa. Populism, however, is surging globally, particularly in the Western world. Much has been written about this and we recently came across a graphic representation, which has helped us to better understand why this is happening.

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Mind the (Behaviour) Gap

“It’s not that we’re dumb. We’re wired to avoid pain and pursue pleasure and security. It feels right to sell when everyone around us is scared and buy when everyone feels great. It may feel right-but it’s not rational.” US financial planner Carl Richards, calls the distance between what we should do and what we actually do when it comes to managing our money, the ‘Behaviour Gap’.

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Beyond 100 Years

Some investors might find it interesting that South Africa has been one of the world’s best performing stock markets for nearly 100 years, despite underperforming inflation for the last three years. So, what makes us so special, and could we realistically expect this to continue? Picking up from a recent article by Fundhouse, we look at some of the opportunities and what needs to happen to realise South Africa’s potential.

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