Francois Joubert

  • How you can avoid becoming a victim of the next ‘investment fraud' like Steinhoff
  • It came as a shock to most investors when the Steinhoff scandal was exposed in December 2017. The share dropping 96% didn't just hurt unaware investors though. Some of the biggest investment funds in Africa got hit, including the Public Investment Corporation. This article isn't about to tell you that you could've predicted the Steinhoff debacle… But what I want to tell you is h... ››› more
  • [25 April 2018]
  • What kind of investor are you?
  • Whether you've been an investor for years, or you've just decided you want to start investing money, you need to know what kind of an investor you are. The reason is, if you understand what kind of investor you are, you can understand what your risk profile is. That matters, because - there's no use in investing in bonds if you are an aggressive investor looking to double your money in a y... ››› more
  • [23 April 2018]
  • This sector is ripe for the picking as R56 billion in new contracts get signed
  • During the Zuma era we had to watch as South Africa's largest source of foreign direct investment dried up. This of course was renewable energy. And it was due to the Zupta administration rather looking to enrich a select few with a nuclear plant program… But that's now in the past. And on Wednesday 4 April 2018, Energy Minister Jeff Radebe signed 27 agreements with independent power... ››› more
  • [11 April 2018]
  • 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]
  • Why you should be digging for discount dividend stocks
  • There's an old saying on Wall Street that says, "Profits are a matter of opinion, but dividends are a matter of fact." And simply put - I believe too few investors are giving sufficient attention to many of the incredible dividend paying stocks on the JSE… If you're like me, into fast moving high return shares, you know its even more difficult finding small cap companies that pay a divid... ››› more
  • [28 March 2018]
  • 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]
  • How you can make 35% on your investment even if the market only rises 1%
  • What if I told you that you could make 35% growth off an investment even if the market only rises by 10%, 5% or even as little as 1%? What's more, you are protected on the downside. If the market drops 10%, 20% or 30% you get ALL your capital back! And, you can do this by getting exposure to the fastest growing markets in the world? Almost sounds too good to be true. But it's possi... ››› more
  • [14 March 2018]
  • I have R6,000 and want to start investing - but I know NOTHING of shares
  • I received a letter from Louis recently: “Hi Francois,   I have saved R6,000 in the last six months, and while I want to continue this savings I want my money to start growing as well.   I realise I won’t necessarily make thousands from the get-go, but I want to become more knowledgeable about investing, and start making money for my retirement one day.   I want... ››› more
  • [08 March 2018]
  • A dangerous trend to watch out for on the JSE - and Warren Buffett's advice
  • In the past month or two, I've realized a worrying trend on the JSE. This trend has been behind Sibanye Gold's 58% drop in the past year. It's also been behind Woolies losing 25% of its value since 2016, and Brait dropping 41%. What is this trend? Well, it's “making offshore acquisitions at ALL costs”… And Warren Buffett has just warned investors against the trend. Let me... ››› more
  • [28 February 2018]
  • These JSE companies are selling at their biggest discounts in years
  • These are the “widest discounts to sum of the parts I have tracked in many years; I see … excellent long term value here…” These are the words from a fellow analyst regarding two specific JSE listed investment companies. Following his statement, I had a deeper look at the two he refers to as well as other companies. And what I found is astounding. Businesses are selling at 15%, ... ››› more
  • [22 February 2018]
  • Shares to buy in a post Zuma South Africa
  • On Tuesday 13 February, the ANC held a press conference in which it officially recalled president Jacob Zuma. The ANC National Executive Committee decided that Zuma, in the interest of the country and the ANC, should no longer be president of South Africa. This doesn't mean Zuma is no longer president though… The recall simply makes it public that the ANC leadership no longer wants Z... ››› more
  • [14 February 2018]
  • Three predictions for stock market success in 2018
  • It's a new year and, as customary, I'm sharing a couple of insights that I believe will shape the stock market, our economy, and the world we see around us every day. 2017 was a year dominated by two themes. The first one being, politics, drove the South African economy, investor sentiment and our currency. The second was probably a symptom of the first. Because politics dominated ever... ››› more
  • [12 February 2018]
  • The JSE's ‘honeymoon' phase is taking shares higher, how long will it last?
  • I can remember my honeymoon like yesterday. We were crazy in love. And for months afterward this euphoric phase continued. I could make no mistake in her eyes, nor she in mine. Everything was perfect. Then suddenly reality struck. Our first big fight after getting married. And suddenly we realized being married is tough, and the good times go hand in hand with the tough ones…... ››› more
  • [25 January 2018]
  • Here's why I am all for the ANC's land expropriation plans
  • During its December conference the ANC vowed that, it would expropriate land and put it in the hands of the people. The news is full of headlines like: ANC NEC wants land expropriation 'urgently'   The ANC is making false promises of land expropriation   #Ramaphosa says ruling party is committed to land expropriation   And I can already see the pictures ... ››› more
  • [17 January 2018]
  • The most important thing in property investing - and it's not having a lot of capital…
  • If there's no cash in a business, it's dead. The most recent spectacular crash in Steinhoff shares is proof of that. It is no different for property. If your property doesn't generate a positive cash flow - the investment is dead in the water. Choosing to lose money isn't a valid investment strategy It's all too often that I hear investors say “I'm not making money on the property ... ››› more
  • [12 January 2018]
  • 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]
  • South Africa gets downgraded and the Rand strengthens - what's going on?
  • On Friday 24 November S&P downgraded South Africa's long term local government bonds to junk rating. The problem according to S&P is that government in recent years have focused merely on the distribution of income, instead of trying to grow our income… “As a consequence, South Africa’s economy has stagnated and external competitiveness has eroded. We expect that offsetting fiscal m... ››› more
  • [29 November 2017]
  • The EV revolution is happening!
  • Northam Platinum CEO, Paul Dunne said in a recent interview with MiningMX “There's been a lot of hype around battery-powered EVs, but these will not replace the internal combustion engine for a number of reasons.” Now I understand you ‘talk your book'. If you are a platinum miner, you want to ensure people know you are positive of the outlook for the industry you operate in. But it's... ››› more
  • [22 November 2017]
  • The 5 most important tactics to buy property at the best price possible
  • I'm sure you've heard it before - but you make money on a property the day you buy it. That's because a good price means the rental income yield will be attractive, and it means your selling price can be competitive - whilst still raking in a profit. That's why your homework before buying a property - and the negotiation process to buy the property are the single most important things you ... ››› more
  • [17 November 2017]
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