So, you spend less than you earn and you're putting some savings in the bank each month?
Truth is - your money in a savings account isn't doing anything for you with how low interest rates are right now…
Perhaps you've considered investing - but you've been unsure about where to start?
Here's what you need to know…
Get starte... ››› more
If you're a crypto investor, you're sitting through a major pullback right now.
And you're probably looking at a painful decline in your crypto portfolio value maybe 20%, even 50%.
So is this current weakness just standard volatility, like we've seen for years, or is this time different - a sustained bear market?
Well it may be a tough moment for crypto investors, but it's not time to ... ››› more
I hope you are safe today. Amidst the unprecedented looting in KZN and Gauteng there are glimmers of hope as communities come together to fight the violence.
But once the fires stop, and the rubble is cleared, which businesses will be hardest hit - and which ones will need the longest time to recover fully?
_________________________... ››› more
What's been going on with cryptos'?!
The total crypto market cap has dropped over R200 billion over the past month.
And it seems like a lot of retail investors are getting out of the crypto markets.
I think so!
You see, there's some positive news for crypto's behind the scenes in the institutional space.
Bitcoin'... ››› more
It's a year since 2020's hard lockdown ended.
We're back in level 4 today.
But life has changed a lot. We've adapted to the pandemic and its effects on our lives and businesses.
So, what's the state of the South African economy today, and how does it affect your investments?
How to Grow a Multi-Million Rand Retirement
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According to Fundsdata, it's ranked #1 in the Multi-Asset Income Fund category for returns over the past year.
It's up over 13%.
On the face of it, that doesn't sound like much.
But it's around DOUBLE the returns you would get from most income investments (Money Market, Income & Interest-Bearing Funds) today.
I'm talking about the…
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When investing I look for stocks that have disconnected from their true value. If a share price is much lower than what it is worth - I buy it.
But every so often I come across a stock that is the opposite. Its share price is so much higher than what it is really worth that I simply cannot stay quiet. I need to warn investors about it.
Today there's two stocks like this I want to share wit... ››› more
Have you ever played a mobile game?
With some of them, the more you play, the more “rewards” or “in-game currency” you can get. Usually, you can use them to unlock a level or something along those lines.
You can also use your credit/debit card to buy a level or get special features etc. And if you'd rather not spend actual cash, you can earn in-game currency by watching a few ads ... ››› more
There are a thousand indicators, ratios and models we can consider when investing or trading.
But at the end of the day the all-important figure is the SHARE PRICE.
No matter, earnings per share, revenue or growth potential. The company's stock price is the final indicator that matters to all investors.
It's the figure we consider when buying or selling. And it's the final indicator of... ››› more
They've been one of the major catalysts that's catapulted Bitcoin into the mainstream financial media and its price over the past year and half.
And it makes sense…
The more “Big Money” get involved in digital currencies, the further it legitimises them as an asset class.
Consequently, more investors jump on board pushing up prices.
We've seen t... ››› more
There are 217 dividend paying shares in the JSE today. The JSE All Share Index dividend yield is a mere 2.38% - simply put you're not making much in terms of yield if you buy the AVERAGE stock…
While a 2.38% dividend is surely better than nothing - this doesn't even cover the interest you'd have received on your cash with a fixed deposit.
And, once that money is paid out by a company the... ››› more
After a pretty hellish month for Bitcoin - dropping over $20,000…
Investors finally have something to cheer about!
The #1 crypto by market cap rallied over 15% in the past two days.
And this time, it had nothing to do with Elon, or any other billionaire.
Instead, something even BIGGER happened in the market - one that could have implications on countries worldwide and the world's... ››› more
On 20 May 2021 the SA Reserve Bank had its bimonthly monetary policy meeting.
The bank kept interest rates flat - at what is basically an all-time low for South Africans…
In its announcement the bank governor, Lestja Kganyago said “Economic and financial conditions are expected to remain volatile for the foreseeable future. In this uncertain environment, policy decisions will continue ... ››› more
What started as the online currency for the dark web Is now viewed by Wall Street as a legitimate asset class.
And it's in big part due to a number of tech companies (MicroStrategy, Square, Tesla), banks and billionaire investors entering the crypto market in some way.
The thing is, this is only the beginning…
In fact, recent reports hint that the world's largest tech company may just b... ››› more
A recent survey by FNB amongst its middle-income clients (R15,000 - R42,000 per month) shows that over 80% of the customers don't have a cent in savings they can access within 7 days in case of an emergency.
The bank says only 6% of its clients would be able to see themselves through a loss of their salary for three months - and that's even considering access to credit cards and overdraft faci... ››› more
When crypto crashes, something interesting happens…
An army of naysayers rush from out of the woodwork with the usual “I told you so”.
And I'm not just talking about people on social media, or even friends. But also professors of economics and fund managers!
Even this Nobel prize-winning economist had a go…
Final reminder... ››› more
With interest rates at the lowest they've been for most of South Africa's history there's not a lot of profit to be made from interest investments…
But there's a lot of potential on the JSE right now.
In fact, right now there are 51 shares on the JSE with dividends above a 5% dividend yield.
That means you're getting around DOUBLE what you would in an interest investment right now, a... ››› more
This is a term coined by Benjamin Graham in his 1949 book, ‘The Intelligent Investor'.
Basically, investors look at two prices when valuing shares.
What the share price should be according to the books.
And what the market (buyers and sellers) value the share price.
Sometimes, these two prices are way off…
In fact, the market's price is valued by the sentim... ››› more
An ex executive director of Netcare (who retired 10 years ago), reached out to me the other day.
He was curious to hear my take on the health company as a shareholder.
In short, he asked me to do an analysis over the last 10 years to see if it was more profitable to invest in Netcare shares or invest in a high interest savings bank.
In this article, I'm going to give you a breakdown on... ››› more
In the past two years I've seen many JSE listed small cap companies become acquisition targets, and eventually get delisted from the JSE…
Think of Rolfes Holdings, Pioneer Foods, DAWN, Torre Industries, Indequity and more…
As we speak Value Group and Adapt IT are in the crosshairs of larger suitors looking to buy out, and delist the companies.
Even Distell is an acquisition target ... ››› more
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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.