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HomeInvestment Planning

Posts in category: Investment Planning

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Cash guarantees?

March 7, 2019
by Gregg Sneddon EquitiesFeaturedFinancial Education

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

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money_2-2

Dont do this at home!

September 3, 2018
by Gregg Sneddon EquitiesFeaturedFinancial Education

ENT specialists will tell anyone who listens that the only thing that you should ever stick into your ear is your elbow (it’s impossible, just as it is impossible to lick your elbow). And yet a quick trip down the supermarket aisle or peak into just

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idea-2

Talk about a wolf in sheep’s clothing

May 31, 2018
by Gregg Sneddon FeaturedFinancial EducationFinancial Planning

I received another unsolicited email today from an operation called “savemoney.co.za” about a tax-free savings account. It's just Old Mutual in disguise and despite claiming to offer the “best tax-free savings account in South Africa” a little diggin

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books-2

It’s time to do the Mickey Blue (again)

April 12, 2018
by Gregg Sneddon EquitiesFeaturedFinancial Education

I recently watched someone using a leaf blower to clear their pavement. As I watched, it struck me what a pointless exercise it was and it crossed my mind that the leaf blower must be one of the most senseless machines yet invented. You never actuall

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It’s time that treasury stopped being short-sighted when it comes to the wealthy!

March 7, 2018
by Gregg Sneddon FeaturedFinancial EducationFinancial Planning

A few years ago, during the National Budget Speech, government put a cap of R350k pa on retirement contributions. It appears that no one at treasury has given this much thought as it only really affects the top few % of the population (first world pr

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Diversification

A case for higher offshore weighting within a living annuity?

October 21, 2017
by Gregg Sneddon EquitiesFeaturedFinancial Education

There is this strange phenomenon in SA called Regulation 28 that is applied to retirement funds. It stipulates that retirement fund members may not have more than 75% of their funds in equities and no more than 25% of the fund invested offshoreIronic

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inertia

Your greatest financial risk is not financial; it is physics!

July 21, 2017
by Gregg Sneddon FeaturedFinancial EducationFinancial Planning

Over the years as we have chatted to clients about financial planning we have settled down to the “big 5” risks that everyone faces and the resulting financial (and emotional) risks that they present to the person and their family. Simply put, these

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Invest

The ultimate savings & investment vehicle!

June 9, 2017
by Gregg Sneddon EquitiesFeaturedFinancial Education

Today I got a call from a journalist asking a few questions about what a beginner investor should do if they want to start investing. I think that they were looking for “tips and tricks” about which funds or shares to choose. Here was my reply.  Ask

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sharp objects

Remove all sharp objects…

June 1, 2017
by Gregg Sneddon FeaturedFinancial EducationFinancial Planning

I attended a presentation by one of the SA asset managers recently…it was a good job that there were no sharp knives around. It was real slit-your-wrists stuff! Their view is that SA is pretty much stuffed and that unless there is a significant ch

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The value of advice?

June 1, 2017
by Gregg Sneddon FeaturedFinancial EducationFinancial Planning

Much has been written about the value of financial advice. There are many people who believe that financial planners offer little value for the fees charged while there are others who believe that the value financial planners add is very significant.

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