Financial Planning

  • 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]
  • Why you need to think differently for retirement planning
  • Why you need to think differently for retirement planning
    It's never too early to start planning for retirement. And this means thinking somewhat differently about retirement planning for your later years. Have you ever stopped and asked yourself these questions? 1. How much will I need to save for retirement in order to live comfortably? 2. What are my retirement goals? 3. When should I start? 4. What should I do? 5. What costs might I... ››› more
  • [21 September 2017]
  • The little-known tax secret that can get you up to R23,800 tax-free every year
  • The little-known tax secret that can get you up to R23,800 tax-free every year
    Consider this… In 1995, SARS collected just over R127 billion in tax revenue. Today, that figure stands at R1.14 trillion. By 2018, SARS aims to collect R1.26 trillion in tax revenue. In short, SARS is coming after more of your money. And they will do everything in their power to get their greedy hands on as much of your money as possible. But what if I told you… Th... ››› more
  • [21 September 2017]
  • What my mother taught me about retiring wealthy
  • What my mother taught me about retiring wealthy
    I probably learned more from my mother's retirement experience than anyone else's. When she retired, she wanted security, lived austerely, but had no idea whatsoever of enhancing value. And therein lay the disaster. My mother sold her home, moved into a seemingly more secure rented complex, and placed all financial resources into a low interest bearing building society account in an extremely h... ››› more
  • [14 August 2017]
  • Trump's first days in office + 3 to buy and 2 to sell
  • Trump's first days in office + 3 to buy and 2 to sell
    Last week's sentiment remained positive and markets continued their rally. President Trump's first days in office are being closely monitored and provide plenty for traders to digest. The JSE Top 40 closed the week up 0,8%, but retreated slightly on Friday along with generally softer developed markets; for the year to date the JSE is up 7,7%. Kumba rallied 27% after it provided a product... ››› more
  • [31 January 2017]
  • Three festive driving tips to save you money and keep you safe
  • Three festive driving tips to save you money and keep you safe
    We live in such a vast and beautiful country and if you're like me, then you enjoy long driving holidays. I love the feel of the road beneath the wheels, the power of the engine and the ever-changing scenery on the journey. I love singing with my family and counting the windmills as we drive. But, I don't like pulling into petrol stations along the way and filling up my tank. It just costs... ››› more
  • [17 November 2016]
  • Three top ways to save money over the festive season
  • Three top ways to save money over the festive season
    In two weeks we will be in December and that means the festive season is drawing close. The festive season is a time to look forward to, but it's also a time of year you may dread as the costs mount up from overspending. So how can you save money over the festive season? Read on to find out… Festive money saving tip #1: Work out how much you’ve got to spend Before you start mak... ››› more
  • [17 November 2016]


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