Good financial planning always includes having an emergency fund.
An emergency fund helps you be prepared for unknown future events, such as unexpected illness, a job loss, a car repair, or a quick home repair.
Since you never know what the future will bring, it’s important to always be prepared. The emergency fund is designed to cover expenses when you can’t manage otherwise.
It’... ››› more
The interest in Bitcoin is rapidly growing. In the US this year alone, six new Bitcoin hedge funds have appeared.
So what does this tell us about Bitcoin? Does it indicate that the future is looking good for the digital currency?
Let's take a closer look…
Big investors are ploughing money into Bitcoin funds
The launch of so many Bitcoin hedge funds this year is a very strong indic... ››› more
With the pressure heavily on fund managers to perform, there appears to be a growing trend in closet indexing. Closet indexing is when an actively managed unit trust fund starts to replicate its benchmark index. The result is you're paying more for a performance you could have got from investing in a tracker fund. Let's take a closer look at what's going on and what you can do about it…
The e... ››› more
The unit trust market is South Africa is massive. There are literally hundreds of funds out there waiting for your investment rand. But there is a chance that some of them aren't what they first appear to be. Invest in one of these funds and you could be wasting money paying for the expertise of a fund manager for nothing. So what is this all about? Read on to find out what you need to know…
... ››› more
Unit trusts are a great way to invest. You can make money on your investment. And you gain instant diversification, something that investing in individual shares will take you a lot of time and money to replicate. But, of course, there are risks. But what are they? Let's take a closer look at the main risks of putting your money into unit trusts… Investing in unit trusts carries risk
When you... ››› more
I've always been a fan of Exchange Traded Funds (ETFs). They're a low-cost way to get great returns from multiple shares with just one purchase.
But now there's a new tool that's completely changed the game.
The ETF that allows you to profit from the World at a Fraction of the Cost!
It uses a similar strategy that we use in the Unconventional Millionaire which has doubled ... ››› more
When it comes to retirement planning, there are a lot of factors you need to consider. From age to lifestyle and even life expectancy - it all comes into play in the retirement strategy you choose. So does the vehicle you choose to invest in. And one of your choices there, is a provident fund. Here's what you need to know about them…
What is a provident fund?
As The South African Investor... ››› more
Money-market funds are cash-based unit trusts that invest money in low risk instruments such as government treasuries, banks, financial institutions or blue chip companies. Their objective is to attain a level of profit without any undue risk and capital loss. But when it comes to investing in this type of unit trust, how do you pick the right one?
Experts warn: Beware of choosing a money marke... ››› more
If you want to invest in unit trusts, you can either opt for an active fund or a passive fund. Active funds generally have higher fees, but with that comes the promise of better performance. Passive funds aim to track the performance of the market. Their fees are lower than active funds. Even though active funds promise better performance that comes with higher fees. So passive funds can be a good... ››› more
As a consumer, you use a wide array of financial products. You buy insurance for your car and house. And chances are you have a bond on your home. But when it comes to shares, the very thought of selecting a few to invest in can put many people off. But that's where unit trusts come in. They do the picking for you. Let's take a closer look at the basics of unit trusts…
What is a unit trust fun... ››› more
Money-market funds are cash-based unit trusts that invest money in low risk instruments such as government treasuries, banks, financial institutions or blue chip companies. This said, a money-market fund's objective is still to attain a level of profit without any undue risk and capital loss. But are they good investments and what are the risks involved? Today, we explain…
Three benefits of i... ››› more
When it comes to unit trust investing, you have a variety of options. One of them is income unit trusts. These funds are similar to money market funds, but are one step up on the risk ladder. Income unit trusts are particularly useful if you want income levels that are better than those you'll get from a bank deposit or money market fund. Here are the benefits of investing in these unit trusts… ... ››› more
When you start reading the fact sheets that accompany different unit trusts, you'll come across the total expense ratio (TER). If you're stuck between choosing which fund to invest in, comparing the different TERs can help you come to a decision. But what exactly is the total expense ratio? Let's take a closer look at what it means…
May 2007 saw the introduction of the total expense ratio (TER... ››› more
If you want to invest in shares, but you don't want to do the share picking yourself, equity unit trusts could be for you. Not only that, if you want exposure to the stock market, but you don't have a large lump sum, equity unit trusts are an option to consider. Let's take a closer look at what equity unit trusts offer you…
Equity unit trusts invest the majority of their funds into shares list... ››› more
At more than 450m long, weighing in at over half a million tons, and costing hundreds of millions of dollars, oil tankers are truly the giants of the sea.
With the ability to survive just about anything the wild seas throw at them; and the size to bewilder the imagination, it's no wonder these hulks of the ocean have featured on programs like the Discovery Channel.
And although these giants... ››› more
You might be surprised at the wide variety of different unit trust funds available for you to invest in. They come in a number of different forms and all work slightly differently. The most basic unit trust is the ‘normal' unit trust. Let's take a closer look at this type of unit trust…
‘Normal’ unit trusts, or Collective Investment Schemes (CIS), are the most basic level of unit trust f... ››› more
If you're looking to invest on the stock market, but you don't want the hassle or don't feel you have the experience to pick shares, then unit trusts could be perfect for you. By buying into unit trusts you get exposure to the market and a professional does all the stock picking for you. But how do you go about investing in them? Read on to find out…
Buying unit trusts is very easy, the resear... ››› more
Last year, China's car imports hit an all-time high. And since most of those cars run on petrol, China's oil consumption has skyrocketed over the past decade. It now imports more oil than the US. However, China's cars are also contributing to a serious problem: Pollution. Here's how China's pollution problem can give you an opportunity to profit…
China's air quality is already terrible, Ma... ››› more
Mention the word platinum to a South African and they'll probably start recounting stories of violent strikes, crashing share prices and lost money.
And there's no doubt, platinum has earned this reputation over the years since the financial crash.
But what you might not realise is the situation for traders holding platinum isn't nearly as bad as you might think. And looking at the big pictu... ››› more
It's one of the most maligned and misunderstood investing vehicles in the market… Ironically, it's also one of the most accessible and easy to use. And when you understand its benefits, it's an ideal way to quickly diversify your portfolio and begin compounding your capital. But why do so many people misunderstand it? And why is it so useful? Read on to find out…
The simplest way to start in... ››› more
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We research our recommendations and articles thoroughly, but disclaim all liability for any inaccuracies or omissions found on this website.
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 website.