Financial Planning

  • Is this an opportunity for a quick buck - or are you being taken advantage of?
  • Is this an opportunity for a quick buck - or are you being taken advantage of?
    On 4 May 2018 RECM and Callibre (JSE: RACP) announced that it is offering to buy out investors in Astoria shares (JSE: ARA). Astoria shares traded at R11.71 that day, and RACP offered R13.50 per share. That's a quick 15.3% gain investors can make, nearly instantly. But is this a good deal, and should investors accept it?   SA’s new energy law could help make you 120% in the n... ››› more
  • [10 May 2018]
  • Do you know at what age you will be ready to retire?
  • Do you know at what age you will be ready to retire?
    According to a retirement round table hosted by the CFA Society and the Financial Planning Institute of Southern Africa, only about 6% of South Africans can maintain their standards of living when they retire. And, based on the Global Retirement Index, South Africa is among the worst 8% of countries in the world to retire in. That's because state healthcare, social security and a number of oth... ››› more
  • [04 April 2018]
  • The interest rate will drop at the end of March!
  • The interest rate will drop at the end of March!
    The South African Reserve bank will hold its Monetary Policy Committee meeting between 26 and 28 March. At this stage all the indications are that interest rates might actually drop by 0.25%. That means, if you keep paying the same amount on your property loan, you will pay it off 13 months faster - just thanks to the lower interest rate! So how can we know that this'll happen, and wha... ››› more
  • [22 March 2018]
  • 2018: The year of SA Inc and small caps
  • 2018: The year of SA Inc and small caps
    The market and currency have responded positively to the appointment of Cyril as President of the ANC. We've seen the rand on the longest weekly winning streak since 2002, as foreign investors that were sitting on the sidelines start deploying capital in to SA stocks. As mentioned late last year, the stocks on their shopping list are SA focused companies with earnings mostly generated locally.... ››› more
  • [10 January 2018]
  • How you can get a 100% tax refund - and grow your investment portfolio at the same time
  • How you can get a 100% tax refund - and grow your investment portfolio at the same time
    I've been looking at ways to reduce my donations to the Nkandla Fund (SARS income tax)… I have no objection to pay tax - when the government that receives that money makes use of it responsibly. But that's not the case at this stage. And by putting off paying tax (legally) I can get my money to work for me faster than when I give nearly half of that away to the tax man. Now instead o... ››› more
  • [06 December 2017]
  • Political Shenanigans pushes Rand to the back foot - one to buy and one to sell
  • Political Shenanigans pushes Rand to the back foot - one to buy and one to sell
    President Zuma is trying to curry favour with supporters by investigating solutions to the “free” education agenda. The cost of this “free” education is an almost certain downgrade and the resignation of Michael Sachs. The Rand responded by weakening 20c yesterday. We've been cautioning investors, to have an appropriate amount of their investable assets exposed to offshore investments.... ››› more
  • [14 November 2017]
  • Here's what no-one told you about low-cost RA's…
  • Here's what no-one told you about low-cost RA's…
    A week ago I was nearly convinced low-cost RA's are the way to go. I read a well written article on the web, promoting the virtues of low-cost RA's. The article uses the following example: Someone has saved R3 000 every month for 40 years into a retirement annuity (RA), and earns a return of 6.5% above inflation. If you pay an investment fee of 3% you'd end up with R3 million at the end ... ››› more
  • [22 September 2017]
  • What would you say to 100% market upside with no downside risk?
  • What would you say to 100% market upside with no downside risk?
    Imagine turning on the TV and finding the following Infomercial: We are giving you the opportunity to invest in the S&P500. It is the world’s premier equity index, dwarfing the JSE. Receive dollar based returns while getting exposure to some of the world's largest and most innovative companies including Apple, Berkshire Hathaway and Caterpillar.   But that’s not all, we also gi... ››› more
  • [22 September 2017]
  • The 3 most troubling takeaways from SONA
  • The 3 most troubling takeaways from SONA
    The State of the Nation Address (SONA) was certainly a spectacle, unfortunately mainly for the wrong reasons. However, as South Africans, it's essential to analyse the SONA - especially as it could have a significant impact on our lives. Personally, I found three aspects of SONA particularly troubling…   Why investors should be worried about SONA 2017 #1: The violence   In hi... ››› more
  • [22 September 2017]
  • If there ever was a time for capital protection, this is it!
  • If there ever was a time for capital protection, this is it!
    As it stands, we are at the tail end of an eight-year bull market and, by most estimates, markets in the developed world are massively overpriced versus historical levels. When we have seen such conditions in the past, global markets almost always fell dramatically within a year or two. Adding to this risk is the fact that the US Fed, the European Central Bank and a number of other central ... ››› more
  • [22 September 2017]
  • This company is slowly burning, make sure you don't own it…
  • This company is slowly burning, make sure you don't own it…
    More bad news for the Lonmin share price In 2012 Lonmin asked shareholders for R7.12 billion in capital to keep the doors open. At that stage the company was worth R8 billion. But investing in Lonmin was a bad idea. By 2015 the company burnt through all of that money. Its value crashed, with the company being worth a mere R1.2 billion in November 2015. And then, as the creditors came knock... ››› more
  • [22 September 2017]
  • Guaranteed protection and growth: This investment is only available for a limited time
  • Guaranteed protection and growth: This investment is only available for a limited time
    In this uncertain environment, investors want capital protection while not wanting to miss market performance. Normally as an investment advisor, I would say it is impossible to have both, security and market exposure. But the good news is, there's now a way to tap into an investment that provide exactly this. The catch? This investment is only available for a limited time. So you... ››› more
  • [21 September 2017]
  • This bubble is at the verge of bursting as cheap credit comes to an end
  • This bubble is at the verge of bursting as cheap credit comes to an end
    Drive through Sandton, Rivonia, Sunninghill or on the N1 between Pretoria and Johannesburg and you'll see literally hundreds of new office buildings, malls and smaller shopping centres being built. And following a recent drive through Cape Town and Somerset West I saw the same thing. Buildings are popping up everywhere. The FNB/BER Building Confidence Index just hit its highest level i... ››› more
  • [21 September 2017]
  • Here's how to avoid being bankrupt, without knowing it…
  • Here's how to avoid being bankrupt, without knowing it…
    South Africa's in a recession. That means businesses are struggling. Your salary is unlikely to grow as much this year as in years past, and that's if it grows at all. That's why it's more important today than ever before to make sure you are in good shape financially. In fact, if you've never done the exercise I'm about to share with you it is possible that you are bankrupt, without... ››› more
  • [21 September 2017]


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