As we start the new year, I am pleased to announce my first structured pick for 2019.
And it’s a good one. Here are the highlights. It:
1. Has a 112% capital guarantee (in US Dollars),
2. Is fully offshore (again in US Dollars),
3. Gives you 200% of the index performance (uncapped),
4. Is guaranteed by a Fitch A-rated bank,
5. Is wrapped in a tax-effic... ››› more
April is almost over, and I can't believe this is only my second structured product pick for 2018.
Originally, I planned to introduce at least one structured product per month, but the financial markets have just not played ball.
And, given the nature of these products, I would rather send you nothing than introduce you to a product that didn’t meet my stringent criteria.
You s... ››› more
Regular readers will recall I wrote an article a few weeks ago, which claimed that investing the full Tax Free Savings Account (TFSA) allowance for your new-born child would turn him into a billionaire by the time he retired.
Even after the effects of inflation, this investment would mean R200,000 per month income, in today's money.
An explosive claim, I know, but one that I can back up wi... ››› more
Tax year end is fast approaching.
This means, next week Wednesday, your tax breaks for the 2017/2018 year will expire.
Fortunately, it's not too late to maximise all your benefits before you lose them.
But don't worry, because today I'm going to show you how to do this…
Three tax breaks every investor receives
As a private investor you receive three main tax breaks:
... ››› more
As we enter 2018, many people are looking to diversify their portfolios.
Normally this would be an ideal time to invest offshore, but unfortunately offshore markets are at record highs. So it's difficult to find any value.
At the same time, staying in cash is not viable with global inflation edging up slowly.
So how can you diversify offshore without putting too much of your money at ... ››› more
Over the last couple of months, you may have heard about structured products and why they're an attractive investment class.
I've been writing about them for MoneyMorning since March.
But I've not had a chance to recommend one until today…
Let me explain why.
New Release: ‘Double your Money’ Stock Play Book for 2018 by Francois Joubert
This structure... ››› more
When Cyril Ramaphosa managed to defeat Nkosazana Dlamini-Zuma and the Jacob Zuma faction for the position of ANC president, the rand went crazy.
It moved stronger by more than 10% versus the US dollar and was the world's best performing currency over the last month.
I do not argue the relief felt after the Ramaphosa win is unwarranted.
I will however say that this one change wi... ››› more
As we head to the end of 2017, we are approaching the nine year anniversary of the current bull market. If nine years seems like a long time, you are correct: It is.
This is the second longest bull market in history and counting. Most stock indices are at all-time highs and many investors are currently sitting on massive gains in their portfolios.
At the same time risks are rising. We have... ››› more
Regular readers will know I'm quite a fan of structured products.
The combination for capital protection and market related returns are very attractive in the current economic environment. Especially with international markets posting new all-time highs while downside risks to your portfolio seem to grow daily.
Over the last year or so, I have always been able to find one or two products e... ››› more
Over the last year, the one question I have been asked more than any other is…
“How do I invest offshore?”
Today, I'm going to answer that question and show you how to invest offshore in three easy steps…
The Bitcoin Lie: Discover what could really happen to cryptos in the next 12 months and beyond… Click here now to claim your FREE copy.
Step #1: Determine how ... ››› more
Imagine turning on the TV and finding the following Infomercial:
We are giving you the opportunity to invest in the S&P500. It is the world’s premier equity index, dwarfing the JSE. Receive dollar based returns while getting exposure to some of the world's largest and most innovative companies including Apple, Berkshire Hathaway and Caterpillar.
But that’s not all, we also gi... ››› more
The State of the Nation Address (SONA) was certainly a spectacle, unfortunately mainly for the wrong reasons. However, as South Africans, it's essential to analyse the SONA - especially as it could have a significant impact on our lives.
Personally, I found three aspects of SONA particularly troubling…
Why investors should be worried about SONA 2017 #1: The violence
In hi... ››› more
Since my last article on the subject of structured products I have received a number of enquiries from readers asking for more information. Due to the overwhelming response I decided to do this follow-up article and go over the most frequently asked questions.
First, for those who may not have read the original, here is a brief recap. I discussed a currently available structured product with ... ››› more
As it stands, we are at the tail end of an eight-year bull market and, by most estimates, markets in the developed world are massively overpriced versus historical levels.
When we have seen such conditions in the past, global markets almost always fell dramatically within a year or two.
Adding to this risk is the fact that the US Fed, the European Central Bank and a number of other central ... ››› more
In this uncertain environment, investors want capital protection while not wanting to miss market performance.
Normally as an investment advisor, I would say it is impossible to have both, security and market exposure.
But the good news is, there's now a way to tap into an investment that provide exactly this.
This investment is only available for a limited time. So you... ››› more
There are just two certainties in life: Death and taxes. Unfortunately, these are also the two topics people find most unpleasant to think about.
For higher net worth individuals, understanding your taxes is almost as important as understanding investments. If you're a high income earner in South Africa, a return of 11% can be equal to one of 20% under the correct tax treatment.
Many reader... ››› more
By now I am sure most of you have heard about Black Swan events.
Invented by Nassim Taleb, a black swan event is an unpredictable event that makes a big impact. The 2008 crash is one example.
However, there has recently been another concept developed that you may not be familiar with: The Grey Rhino event. Unlike black swans, grey rhinos are very predictable.
A black swan is like a stro... ››› more
Imagine a country with massive amounts of natural resources.
The richest economy in its region.
However, there are signs of trouble, including rising inequality and societal unrest.
To combat this the government is turning to populism by taxing the rich, confiscating assets and dramatically increasing the redistribution of funds to the poor.
This is not South Africa in 2017 I am t... ››› more
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