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?
Read MoreThe 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.
Read More“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’.
Read MoreFollowers of Radical Economic Transformation in South Africa may be interested to learn more about what is happening in Ireland. We’ve recently returned from Ireland where we witnessed radical economic transformation in action from a completely different angle.
Read MoreMany people we see do not have a Will in place. Most people own something, whether it’s a house, a car or even a valuable piece of jewellery. If you don’t want the State to decide where your assets go when you die or, who will be in charge of your children and funds owed to them, then you need to draw up a Will.
Read MoreSome 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.
Read MoreIs getting richer all that it’s cracked up to be? asked The Economist a while back. The UK weekly noted that it is clear that there is a positive relationship between income growth and well-being. What is not clear is whether happiness leads to money or vice versa.
Read MoreWe are currently witnessing how government’s “land expropriation without compensation” policy is provoking intense hopes and fears amongst many South Africans – hopes and fears that we suspect are fueled primarily by media reports. The following piece, by global fund research company Fundhouse, sets out the issues for investors.
Read MoreMore and more we’re hearing about parents who have placed themselves under considerable financial stress and even compromised their retirement prospects because they choose to continue to support their children well into their 20s – and even beyond. Research has uncovered that this is a world-wide phenomenon that seems to be on the increase.
Read MoreWhat are you worth? Is it really limited only to the amount of money you have, your investment portfolio, the property you own, your so-called tangible assets? Have you ever recognised that you have other assets that you also need to manage, invest in and nurture? We take a look at your precious but invisible possessions, your intangible assets.
Read More