Last month, I had the privilege of speaking to Gary Booysen as we prepared our articles for The South African Investor publication.
I was fascinated by the history lesson Gary gave me about the evolution of the hedge fund industry. I realised that the investment world is riddled with complex structures, obscure products, puzzling regulations and often downright confusing terminology.
But, ... ››› more
No matter what you financial situation is, there's nothing more devastating than seeing the Sheriff auctioning off your business, home and other assets because you lost your job or a business venture you put your heart, soul and life-savings into went bad.
That's why it's vitally important to make sure your assets are protected from creditors in the event of any unforeseen eventuality like inso... ››› more
So, you think that during retirement you can rely on your investment income to keep you going. Well, what if you find yourself dipping into your actual investment capital to make ends meet?
The danger is, each time you take cash from your investments, there's less capital invested to generate income.
That's why today, I want to show you how an ultra-low risk investment to help you generate... ››› more
Unit trusts are solid investments. They deliver safe, long-term gains and take the worry of investing your money off your shoulders.
But what makes a good unit trust?
Let's take a closer look at what you should be looking for when deciding on a unit trust investment.
It all starts with what you want...
Before you invest in anything, you need to know what you expect to achieve from ... ››› more
The best legal way to make sure you don't lose your money is to distance yourself from it.
Let me explain...
Putting your assets into a trust means that you don't personally own them anymore. The assets are held in trust for the benefit of the beneficiaries. The trustees simply manage these assets. When everyone involved signs this contract the Mater of the High Court registers the trust. ... ››› more
Are you tired of being broke? I know that at one point in my life, I certainly couldn't handle. I turned every cent over twice. I even had to turn down parties, holidays and family gatherings because I just didn't have the money.
And I know I'm not the only South African who knows what it is like to be broke. Fortunately, I managed to dig myself out of by broke hole and today I live a life free... ››› more
Every day I meet new people who continuously worry about the markets trampling on their investments. People feel anxious that investing won't give them enough to survive.
You see, retirement plays on most people's minds. And in today's times, the sad thing is, a retirement annuity isn't enough to retire comfortably and support your family.
What it really comes down to is answering these two ... ››› more
One of the keys to successful income investing is proper asset allocation, how you balance your portfolio among stocks, bonds, cash, real estate, commodities, gold, and other investments. And asset allocation is not just for your investment portfolio. The can apply the same strategy to your retirement nest egg. Read on to discover the number one way to protect and grow your retirement nest egg… ... ››› more
In previous essays, I've shown how most South African state-owned institutions are crumbling…
The SABC management and finances are in constant disarray, so is Eskom, Sanral, SAA, the postal service and the education system…
Just look at this quote from Robert McNamara, ex-president of the World Bank, during visit to South Africa in 1982.
"I have seen very few countries in the world... ››› more
There are a few different ways to grow your wealth.
You can save as much as you possibly can.
You can put it to work on the stock market.
Or you can start your own business.
If you want to start your own business, but keep putting it off, here's why you need to get the ball rolling today…
When is the right time to start a business?
If you have a business idea or two, you m... ››› more
Starting your own business from home may be a dream you have, but you haven't got round to making it happen.
Well it's time to make your dream a reality. You just need to know what's going to give you the best chances of success.
Read on to uncover the best home business ideas that work…
The difficulties of starting your own home business
Starting a business from home can allow y... ››› more
I'm not a big rugby fan. However, when it comes to the World Cup. I watch every South African game. I'm a patriotic South African. I feel that it's important to support our sports teams when we're playing in such important international games.
I get really worked up when the team wins and fails. I end up shouting, jumping and clutching the couch pillows out frustration and anxiety. And I know I... ››› more
Planning for retirement isn't an easy thing to do. There are so many choices about how you can save and invest for your future.
One option you have is to contribute to a retirement annuity.
So what exactly is a retirement annuity? And how do they work?
Read on to find out more…
What is a retirement annuity?
A retirement annuity is a way to save for your retirement.
You can... ››› more
Building wealth over the years may be something you dream of, but are you on track to achieve it?
If you're not, you may be wondering what you're doing wrong, and how you can get your finances on track and start building real wealth.
So how can you do it?
Read on to find out…
Five ways to create wealth
If you want to create wealth, here is what you need to do, Mark Ford in Pal... ››› more
If you're anything like me, not having enough money for retirement is something you worry about.
I feel I'm running out of time and don't have enough put aside so that I can look forward to a comfortable retirement.
So in searching for a way to ensure that I have enough put away for my later years, I came across a book called Start Poor, Retire Rich.
From reading this book, I feel I know ... ››› more
Disclaimer Note that FSP Invest, a division of Fleet Street Publications (Pty) Ltd, is a research house and not a registered broker, financial advisor or financial service provider. Our editors and customer services teams also do not give personal investment advice. The advice in this website is general advice only and may not be appropriate to your particular investment objectives, financial situation or particular needs, so before investing or if in any doubt about your personal situation, you should seek professional advice from a stockbroker or independent financial adviser authorised by the Financial Services Board.
We research our recommendations and articles thoroughly, but disclaim all liability for any inaccuracies or omissions found in this publication.
Remember: Never invest more than you can afford to spare and that the value of any investment, and the income derived from it, can go down as well as up. The past is not necessarily a guide to future performance.
Editors or contributors may have an interest in investments commented on in this newsletter. However they have signed restraints to prevent the abuse of their position as contributors to this publication.