You have a couple of hundred rand per month that you would like to invest and you have decided that you want to go the passive or index option. You like the idea of DIY and on top of that you are cost sensitive…you have also heard that unit trusts ar
Just under 6 years ago, ASISA (Association of Savings and Investments in South Africa) launched what should have been a really exciting education savings initiative called Fundisa. The idea was to provide a unit trust alternate to the traditional ins
Broadly speaking, there are 2 things that impact the return of an investment over time. They are: Asset allocation, and Fees When it comes to the retirement space, government seems hell-bent on targeting the issue of fees but does not appear
“It’s different this time!” 4 words that should make any serious investor very nervous. But either markets are seriously over-heated or perhaps, it is different and maybe the markets are telling us that a whole lot of other stuff, like inflation in p
I had (another) argument with my mother-in-law recently when she stated that it was a “scientific fact that sons are always taller than their mothers” (it helps to know an example where this is not the case). While this may be generally true, it is n
We are about to enter into “RA season”…before you purchase an RA consider the following: A man walks into the client services centre of an insurance company and tells the consultant that he would like to move his RA to another company. The consult
I recently stumbled across a whole world of financial secrets and intrigue. It happened like this… Having been a keen trail runner for a number of years, an injury towards the end of last year forced me to consider some alternate forms of exercise
No fees, commissions…but at a price! RSA Retail Bonds are quite popular among the investing public, and especially amongst older people desperate for income. On the face of it, the yield is quite attractive, especially when compared to money marke
Sometimes it pays to pay a penalty… Let’s face it; RA’s have a bad rap. Hardly a week goes by (in our practice) that we don’t hear someone lamenting the fact that they have an RA that they wish they did not and that RA’s are “rubbish”. Sadly, in m
“By 3 methods we learn wisdom. First, by reflection this is noblest; second by imitation, which is easiest; and third by experience, which is bitterest.” Confucius Reading some of the financial literature over the past few months could easily lead
•Asset Allocation Strategy
•Investment Research and Selection
•Local and Offshore Investing
•Tax Efficient Planning
