We have come across many clients recently who are wanting to move their funds into the “bank” following the very poor returns of the past 5 years. Their rationale usually revolves around the fact that at least they would be guaranteed a return of ±7
It seems trite to be talking about investment returns in the context of the “feesmustfall” campaign however, there are people who still need to invest and grow their money and in some ways life goes on. One of the more frequent conversations we ar
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
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 was recently asked by the editor of Finweek what I thought of Sanlam's "new" RA. Here is my response: “On a level, Sanlam could be applauded for trying to encourage saving for retirement in SA. However, it is my belief that anyone that can offer
I had an interesting meeting with a young client recently who was at great pains to tell me that he had managed to get off the company pension fund because they were taking too much money off his salary each month and the fund was far too boring for
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
“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
•Asset Allocation Strategy
•Investment Research and Selection
•Local and Offshore Investing
•Tax Efficient Planning
