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Viv Govender, Rand Swiss, Wealth Manager

  • If inflation is back, here's what you need to know…
  • US inflation just hit a 30 year high. And the US is not the only country experiencing rising prices. The EU, as well as the UK, have also seen the price of goods and services rising. There are many reasons for this: Supply chains were disrupted by the pandemic; oil prices are high; demand has increased due to stimulus; wages are rising… the list goes on. But the big question every inve... ››› more
  • [15 November 2021]
  • How to profit off this 200-year-old mega-trend
  • The most important news is often the easiest to miss. Why? Because for a story to be truly important, it usually needs to be about something that is both long lasting and/or has exponential characteristics. Most of what really affects your life is long-term exponential trends. A terrorist attack using aeroplanes may make for a spectacular news story, but the long-term improvement ... ››› more
  • [08 November 2021]
  • If you're a fan of structured products you might like this one
  • I have been picking structured products for several years now and rarely have I seen a product as good as the one I've found this month. Tell me where you've ever heard of an investment that: Has a 100% capital guarantee, Delivers 400% of UNCAPPED index performance, Offers a guaranteed 12% tax-rate on your final return, Is backed by an A-rated international bank, ... ››› more
  • [05 November 2021]
  • Is a trillion-dollar Tesla still worth buying?
  • Tesla Motors recently entered the exclusive $1 trillion dollar club. This means the company joins just a handful of other mega-corps that have a market capitalisation of one trillion dollars or more. This means Elon Musk is once again the richest man in the world. His lead over number two, Amazon's Jeff Bezos, is almost $100 billion. His net worth is close to $300 billion. To give you some ide... ››› more
  • [02 November 2021]
  • Is it too late to invest in the Tech Sector?
  • Since stock markets first began, many centuries ago, investments in technology have always resulted in the greatest profits. This is true from sailing ships navigating new territories, to building railways or the creation of the internet. It's always the newest innovations that have been the most profitable. Over time however, what was once new, becomes old and boring. Over the last 40 yea... ››› more
  • [12 October 2021]
  • Why I'm investing my cash Down Under…
  • It may come as a surprise to many South Africans, but Australia has one of the strongest economies on the planet. It's the 12th largest economy in the world with an unemployment rate below 5%. It also has one of the highest median incomes. But perhaps the most notable thing about the Australian economy is its stability. Australia holds the record for the longest uninterrupted period of gro... ››› more
  • [27 September 2021]
  • Three reasons to buy Africa, and a surprising suggestion how…
  • Over the last few years, many people have asked me to assist them in making offshore investments. Traditionally investors have looked to the developed world, such as the United States or Europe, as the premier “offshore” investment destination. Spectacular returns from stocks like Amazon, Facebook, Alphabet and Netflix have fuelled the desire to own a little slice of US tech. You can fin... ››› more
  • [13 September 2021]
  • How much money do you need to retire?
  • This is probably the most important question in finance, yet most people don't have a clue how to answer it. Today, I'll walk you through how to answer this question. As you will see, there is no complicated maths involved, and once you know what you need, you will be able to better plan your future.   You can find the full Article here:... ››› more
  • [06 September 2021]
  • Everyone says Tesla stock is too expensive… here's why it's a bargain
  • Tesla is the most valuable car company in the world. And the race isn't even close. It's worth more than the next two biggest car companies combined. Yet it sells less vehicles than either of them. Again, the race isn't even close. VW and Toyota sell more than 9 million vehicles per year, each. Meanwhile Tesla has sold less than 2 million vehicles, ever. So, is Tesla's just too expensive? Is... ››› more
  • [30 August 2021]
  • Should you have a Personal Share Portfolio inside your Retirement or Living Annuity?
  • For most South Africans their Retirement Annuity (RA) is something they think about twice in their life. First when they sign up for their monthly debit order and second when they're getting close to retirement and need to access the money. In between, your cash is likely spread across a selection of unit trusts that are largely based on the JSE. For offshore investments (which usually get a... ››› more
  • [16 August 2021]
  • China's Tech Crackdown isn't ending anytime soon
  • Last year Jack Ma, the Alibaba Founder, gave a speech where he uttered a couple of very minor criticisms of the Chinese economic system. At the time of the speech, he was one of the richest and most famous people in China. In addition, Alibaba was one of the largest companies not just in China, but the world. If that wasn't enough, he was set to list another giant, the Ant Group, which was the ... ››› more
  • [30 July 2021]
  • Do you feel like your investments are trapped in South Africa? I have a solution!
  • The rand has been extremely volatile this year, ranging between R14/USD to over R19/USD. Recently, the currency seems to have found a range between R16.40/USD and R17.20/USD. This stability may be short-lived however as the rest of the year will likely prove turbulent. Overseas, we have the US election looming in early November. It's set to be one of the most contentious in recent memory. Thou... ››› more
  • [09 October 2020]
  • My Structured Product Pick for June 2020
  • It's very hard to make sense of markets right now. On the one hand, it's crystal clear the economy is in a mess. Unemployment is even higher than the worst of the Global Financial Crisis of 2008. The damage done by lockdowns cannot be easily undone. On the other hand, governments have pumped unprecedented amounts of money into the system and the market seems to be on an unstoppable rise. J... ››› more
  • [19 June 2020]
  • Covid-19 has destroyed my job - what now?
  • Over the past few weeks, many clients have contacted me to discuss their prospects in the face of looming retrenchment and salary cuts. Some are facing early retirement; others have been forced into unpaid leave which means their savings are starting to suffer. All of them are afraid of what this means for the future. There is no question, the economic impact of the Covid-19 pandemic and the r... ››› more
  • [04 June 2020]
  • The Butterfly Effect may blow up Africa
  • You may have heard of the Butterfly Effect. Chaos theory predicts it is possible for the flap of a butterfly's wing in China to cause a hurricane in the US. Though this sounds like fantasy, we may actually be witnessing one of the greatest “butterfly effects” in history. A little while ago, likely in 2019, a single virus particle made a jump from bats to humans. In terms of scale, this... ››› more
  • [30 April 2020]
  • Today's prediction is going to astound you
  • Unless you live under a rock, you'll know global markets have fallen dramatically over the last few days. Many major indices are now in bear market territory, having fallen more than 20% from highs. Some sectors, like energy, have fallen even further. It's total carnage out there! But, if you're a regular reader, you can't say we didn't warn you about this… Firstly, as many of my reade... ››› more
  • [12 March 2020]
  • My structured product pick for February
  • Many analysts have predicted 2020 will be a choppy year for investors, but NO ONE could have anticipated a threat like the Coronavirus. And, although many of you have likely heard of the disease, I believe most people are yet to understand its implications. According to most estimates, this appears to be a very infectious sickness (twice as high as a normal flu) with a moderate death rate (l... ››› more
  • [18 February 2020]
  • Viv Govender's January 2020 Structured product pick
  • 2020 is set to be a nervous year for South African investors. At home we have this triple whammy to look forward to… load shedding, a potential ratings downgrade and low growth. Internationally we got Brexit, the US election and the ongoing trade war. And maybe even an actual war! All this when many global indices are at record high and way overdue a reset. In such an environment... ››› more
  • [23 January 2020]
  • Remember Load shedding?
  • Most people have notoriously bad memories. Less than a month ago, the entire country was going through one of the most serious bouts of load shedding we have ever had. Remember stage 6!!! Yet after just a few weeks of consistent power supply, many have forgotten what it felt like and that it can return any day now! Let's recap what happened in December. _______________________... ››› more
  • [14 January 2020]
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