Recently I came across an article on MoneyWeb with the headline, “Preference share offering 14.5%”.
Preference shares returning 14.5%? I've only really seen a preference share offer investors around 10% and that's Grindrod, which is a solid proven company.
So I was sceptical when I read this headline and I immediately investigated how this investment was offering such a good yield.
... ››› more
When it comes to investing, it pays to realise you're in a long-term game. And because of this, you don't want to be stressing about the markets daily moves. That's why I use a simple technique called rand cost averaging.
To use this technique, all you need to do is invest a set amount of your capital each month. No matter what the markets are doing, you steadily invest the same amount.
Rand ... ››› 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
I receive scores of questions from investors every week. But out of all of them there's one that I think you have to look at:
“Hi Francois, I'm retiring in a month and I want to invest some money in Binary Options. Is it worth it? I don't have any knowledge of it at all.”
What are binary options?
A binary option is a kind of option where you put down money to make a fixed return if... ››› more
My computer has developed an interesting virus…
Every now and then when I click on my browser while surfing the web a page opens asking me to invest my money for massive growth, 30% a month to be exact.
The page is that of MMM Global.
MMM Global is a ‘social financial network' as it terms itself…
I've written about the company before. But it seems like MMM's marketing efforts are... ››› more
When markets are as volatile as they are at the moment, the old strategy of ‘buy and hold' can become a thorn in the side for investors.
Over the last year, the market traded in ranges reflecting investor optimism and pessimism at any given moment - sending even the very best shares into the doldrums.
And it's become increasingly difficult to just wait for your favourite shares to come to ... ››› more
It's painful to watch your money disintegrate because of government policies that you have no control over. However, despite the political situation, the main reasons investors lose money in shares is that they tend to buy and sell at exactly the wrong time.
And they believe risk taking’s rewarded in the stock market.
After all, that’s the advice brokers pass along to clients. One of ... ››› 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
Yeah, yeah, we all know the story of how Shoprite was a R1 share in 1994 and shot up to R200 in 2012. Or how Capitec was 91c in 2002 and today it is trading at R430.
You might have even heard me speak about how I first invested in Adapt IT at R1.30 and today it is at R13.
But that's not what I want to tell you about today.
I want to tell you why you shouldn't invest in small cap shares…... ››› more
No one can predict which way the stock market is going to go. One year, we're in a bull market, the next year, we're in a bear market.
But currently, there's more fear in the markets today than there was a year ago. Stock have fallen tremendously and more investors have become bearish.
And if you're one of these investors, you probably looking for a way to reduce the risks that could hurt y... ››› more
The risks involved in maintaining a successful business are real. If you don't protect yourself from unexpected and destructive events, you could see all your hard work crumble.
It's important to secure the future of your business by making shrewd and informed short-term insurance decisions.
Here are five insurance secrets you can use to protect your business in the face of a deteriorating... ››› more
Over the last three decades, the small-cap sector (which houses ‘penny shares') outperformed nearly every other market by a landslide.
In fact, if you had spread R10,000 across the entire small-cap universe in 1996, you would have turned it into R171,021.60 by 2015.
And since 1929, the average annual return on small-cap stocks has been 11.9%, according to Morningstar Ibbotson data on inter... ››› more
There are three main credit ratings agencies which hold a lot of clout with their ratings. These are Moody's, Standard & Poor's and Fitch.
As well as providing other ratings, these agencies give ratings for bonds.
So how do these bond credit ratings work?
Let's take a closer look…
The main categories of bond credit ratings
There are two main categories that bonds fall i... ››› more
The first thing you have to realise with trading is that you'll never be right 100% of the time. It just doesn't happen.
If you can't fathom the idea of losing money trading, it's not for you.
Losing trades happen. The key is knowing how to handle them.
Let's take a closer look…
How to manage losses from trading
The way you handle losing money from your trading activit... ››› more
By investing in shares, you take on more risk than if you bought another asset class such as bonds.
But driving people to take on more risk on the stock market is the chance of future gains.
So does the stock market reward investors for taking on this extra risk? And is investing in shares worth it?
Let's take a closer look…
Why shares make investors money
One of the mo... ››› more
The stock market can be a risky place, but equally so, you have the chance to grow your wealth by putting your money to work.
You can take steps to reduce the risk you take on.
Read on to uncover three ways…
Reducing stock market risk #1: Stay away from day trading
Day trading is the equivalent of gambling and involves a high level of risk. You should only do this with mon... ››› more
Investing in penny stocks can be a great way to make a killing on the stock market. But investing in the smallest companies on the stock market doesn't come without risks.
So what sort of risks do you face investing in penny stocks?
Read on to find out…
The risks of investing in penny stocks
There are a few different risks that you need to be aware of before you embark... ››› more
Trading the foreign exchange market all comes down to speculating on the moves of currencies.
By trading a currency pair, you hope that one currency will rise in value and the other currency will fall in value.
As the market tends to follow long-term trends, many traders use technical analysis to find trades to their gain. But it comes with risks.
So what are the risks of trading forex?
... ››› more
It's easy to concentrate on how much money you can make from your trades. But unfortunately in the world of trading, even the best prepared trades may not work out.
So how can you deal with this when you trade?
Read on to find out…
You can’t ignore money management with your trading
Regardless of how good your trading strategy is, you’ll never get it right all the time... ››› 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.
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