I have just finished reading this excellent book by Carl Richards... The One-page Financial Plan – some notes from the book: “The best financial plan has nothing to do with what the markets are doing, nothing to do with what your real estate ag
I recently had a conversation with someone who told me that when she was on her way (walking) to a very important meeting, a bird pooed on her head and clothes. That meant that she had to turn around, go home and shower and get changed into a fresh o
As human beings, emotions often dictate our behaviour. One of our dominating emotions (if we are honest with ourselves) is fear. Fear of loss, fear of being hurt, fear of being poor, fear of missing out, fear of being sick, fear of clowns, fear of ne
Regulation 28 has long been a frustration of many retirement fund investors with the Financial Services Board having applied a "one size fits all" approach. That means that within Regulation 28 confines, a 20-year-old investor in a retirement fund is
There must be something seriously flawed with the banks' home loans risk algorithm. I recently encountered a situation where a self employed business person tried to apply for a bond on a new property. They have an excellent credit record and have ru
When a client of mine visited me may years ago, he picked up a pen and piece of paper to make a note and immediately challenged me about whether I was an independent financial planner or whether I worked for the company whose pen and pad he had picke
I was recently approached by someone for help with her Sanlam RA's - they are the bad, old traditional life RA's with opaque fees, poor returns and hefty penalties if you make any changes before the term ends. It seems that Sanlam has found a way aro
Not sure what happened this past weekend but I received 2 emailed questions (from unconnected clients) about executors fees this morning. Seems the discussion has been around the quantum of the fee and how much the traditional executors (banks, trust
This is another offering from Std Bank that gets a big thumbs down from us. The radio ad sounds promising: • Access up to 40% at any time • Great interest rate of up to 7.4% However, you only get 7.4% on an investment of R5m or more that you are p
A client of mine presented a potential dilemma to me. He has a living annuity through Liberty Life but also has the bulk of his living annuity funds on a LISP platform. He was wanting to move the Liberty one to the LISP and consolidate his investment
•Asset Allocation Strategy
•Investment Research and Selection
•Local and Offshore Investing
•Tax Efficient Planning
