It was while shaving one morning recently that Occam’s razor came to mind. William of Occam was a 14th century Franciscan Friar who studied logic and is credited as the first person to make known the “law of briefness”. In short he said that when fac
I remember a great radio ad a couple of years ago by one of the unit trust mancos that feautred 2 opera singers. One sang (in a very deep/low voice) “buy, buy, buy, buy” while the other one sang “sell, sell, sell, sell” in a very high voice. The poin
Dear Old Mutual, Liberty, Sanlam, Momentum, Discovery, PPS et al (insert name of company) RE:EVERY SINGLE PART OF MY BEING HAS TO FIGHT THE URGE TO TAKE BUSINESS AWAY FROM YOUR COMPANY. There is a peculiar thing in this industry that if you are
I recently saw an advert for RSA Retail Bonds that was advertising “risk-free” returns. This kind of thing really gets up my nose and in my opinion it smacks of false advertising…RSA Retail Bonds are not the only culprits – just about all of the bank
I just received an invitation to the Discovery Life financial planning summit…on opening the invitation I noticed a few things: The invite is for a financial planning summit The agenda is dominated by sales techniques – sure there are some othe
There seems to be quite a bit of activity around the new TFSA accounts and yet it seems to be by all the "wrong" people. By this I mean that the people who seem to be getting excited are not the actual intended beneficiaries...we seem to be forgettin
I wrote the piece below towards the end of Feb just after the regulation around TFSA's was announced* and at the time that OM (life) announced the launch of their offering. I took the information directly from their website and then got contacted by
I was recently interviewed on radio about the new tax-free savings accounts (TFSA) that are being introduced on 1 March 2015. Any attempts to encourage savings in a country where household debt levels hover around 80% needs to be applauded and encour
I just did a significant RA top-up for a client – this is money that will be invested in SA funds and will stay in South Africa (apart from the 25% offshore allocation) and that will one day be used to provide an income which will once again be large
Traditionally February is our busiest month because it is the end of the tax year – this means it is the month to do the 2nd Provisional tax return (and payment) and also RA top-ups. Over the years RA’s have received a bad rap – this is mostly a f
•Asset Allocation Strategy
•Investment Research and Selection
•Local and Offshore Investing
•Tax Efficient Planning
