The Financial Coach

MANAGING PEOPLE AND THEIR EMOTIONS AROUND MONEY

Are Passives really that cheap?

I got really excited recently when I noted the addition of some of the CoreShares funds to the list of funds on one of the LISP platforms that we use… And then I started doing some quotes to see what the effect the addition the CoreSharesTop50 would have on the fees on the client’s portfolio. …

UT or share portfolio

There are many with strong opinions about the merits of a share portfolio versus a unit trust portfolio. Here’s another one (strong opinion) in favour of a unit trust portfolio.

The ultimate savings & investment vehicle!

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. 

SATRIX – ETF or UT?

I have written about the merits of using the unit trust versions of the SATRIX Funds previously but a recent example once again highlighted the advantage of the unit trust over the ETF. Apart from the fact that the UT is cheaper than the ETF (the underlying funds are the same price but there is …

Oh no they’re not!

I attended the launch presentation of ETFSA towards the end of November. Exchange traded funds are increasing in popularity both globally as well as locally so I thought I had better find out more. ETFSA is an investment platform which provides access to all the ETF’s in SA and also plans to make a an …

Credit card rewards…

Got an email from friend this week which went something like this…”Just got a mail from Nedbank to say I have 300 000 odd ‘Greenbacks’, their loyalty programme. I can exchange them for until trust investments. Wanted to know your opinion?  I’ll have to put R5000 cash to open an account but can get around …

Minimum investments

I was recenlty approached by someone who was looking to save a bit of money for his newly born nephew…he wanted to put away R100 pm for the next 21 years or so. Not a problem I assured him – a unit trust is the way to go… However, it appears that most unit trust …

The future of the entire unit trust industry hangs in the balance.

The latest developments in the Ovation Curatorship saga potentially have major ramifications for the entire unit trust and linked product industry and it is high time that the industry (ASISA and the FSB) woke up to that fact. As I understand the development, the Fidentia Curators are wanting to block the application by the Ovation …