Millennials are typically defined as those born between 1981 and 1996, meaning they’re currently aged 28-43. So, if you’re within this range (or you know someone who is), read on to discover what might drive your spending habits, career decisions, and investment approaches. While everyone is unique, some key trends
It’s easy as an investor to get swept up by market trends: which stocks or funds are outperforming, and where the rand is going. Yet, these are all things that are beyond your control.
The Big Mac Index, created by Pam Woodhall and first published in The Economist in 1986, offers an easily digestible way (pun intended) to assess currency values and the purchasing power parity (PPP) between countries. Comparing the price of a McDonald’s Big Mac in different currencies gives a basic snapshot
It’s the countdown to the US elections and stock markets have come off the boil, as investors anticipate the volatility that will surely surround the elections. As always, South Africa is likely to get swept up in the ups and downs. But there are several reasons to be hopeful for
Life’s tragedy is that we get old too soon and wise too late.” (Benjamin Franklin) Welcome to the first in a series of articles exploring how different generations approach investing. And where better to begin than with the freshest and most dynamic group: Gen Z? This generation is not just
South Africans tend to fixate on the performance of the rand. We’ve all become used to our currency losing value. Can you believe that 20 years ago we were paying R5 to the dollar? Little wonder, then, that many investors believe this trend is the main reason for investing offshore.
If timing the market was easy, we’d all be billionaires. But even investment professionals struggle with knowing when to buy and when to sell. Rand-Cost Averaging offers a solution that allows you to easily navigate uncertain markets by automating regular investments. We’ll unpack the concept (it’s actually rather simple) and
Everybody knows somebody who’s always eager to talk about their latest, best investment. But is it a good idea to share your investment strategy at your book club or around the braai? In this article, we look at why discussing your financial plan with others runs the risk of being
As your wheel of life turns, your financial needs, goals and focuses change. In the early years, you’re absorbed by accumulating assets. Then, the focus shifts to wealth preservation. And eventually, the transfer of wealth becomes your number one priority. No surprise, then, that each of these stages requires its
As financial advisors we work with lots of different people. Although no two situations are identical, we do see the same themes coming up again and again. For this article we asked some of our colleagues in the South African financial planning industry to share a memorable client story. Do
The Magnificent Seven mega-tech stocks responsible for much of the equity optimism around the globe this year sold off significantly in July – bringing the rest of the US stock market down and sending other markets into the red for the month. Investors are wondering whether it’s a temporary blip
We’re ready to help you navigate the “three-pot system,” (often referred to as a two-pot system) which will be implemented on 1 September this year. This change in the law is meant to help you harmonise your long-term savings with short-term financial agility, enabling you to navigate immediate financial challenges
The “marshmallow effect” gets its name from a fascinating 1960s experiment which used marshmallows to test preschoolers’ ability to delay gratification. In financial planning, delayed gratification means resisting the temptation to spend money immediately and instead saving or investing for future benefits. This article explains how to measure your ability
South Africa’s momentous elections will impact financial markets for months to come, we just can’t predict how. Even if an investor-friendly coalition is agreed in the next week, you can still expect plenty of ups and downs. Foreign investors may dip in and out based on their risk appetite, but
When discussing investing, we often picture ourselves as logical beings, making decisions based on cold, hard facts rather than warm, fuzzy feelings. But let’s face it: even the most seasoned investors can sometimes let emotions sneak in and take the wheel, steering us towards financial fiascos. Investing isn’t just a
Being able to retire comfortably is the ultimate goal. But getting there will require familiarising yourself with a few different financial vehicles. What’s the difference between a pension fund and a provident fund? And how will the two-pot system change things? Read on for a primer on some of
Need to Know: Annualised Returns Versus Internal Rates of Return.
When you have your reviews with us, you’ll likely be told about the Annualised Rate of Return (ARR) and Internal Rate of Returns (IRR) of your investments.
Do You and Your Partner Share the Same Money Values?
Money can be one of the most contentious issues in a relationship. Yet often couples don’t think about where they agree about financial matters and where they don’t.
Investors have been betting on when interest rates will come down since mid-2023, when the US Federal Reserve first paused rates. The South African Reserve Bank and most other central banks followed.
Since then, financial markets have been much more optimistic than the central banks on when – and by how much – interest rates will decline.
Everyone agrees that diversification is important for managing risk. But what does diversification look like in practice?
In this article, we take a look at what counts as diversification and what doesn’t – why you can own lots of different things, and still not have a diversified portfolio.
Millennials are typically defined as those born between 1981 and 1996, meaning they’re currently aged 28-43. So, if you’re within this range (or you know
It’s easy as an investor to get swept up by market trends: which stocks or funds are outperforming, and where the rand is going. Yet, these are all things that are beyond your control.
The Big Mac Index, created by Pam Woodhall and first published in The Economist in 1986, offers an easily digestible way (pun intended) to assess
It’s the countdown to the US elections and stock markets have come off the boil, as investors anticipate the volatility that will surely surround the
Life’s tragedy is that we get old too soon and wise too late.” (Benjamin Franklin) Welcome to the first in a series of articles exploring
South Africans tend to fixate on the performance of the rand. We’ve all become used to our currency losing value. Can you believe that 20
If timing the market was easy, we’d all be billionaires. But even investment professionals struggle with knowing when to buy and when to sell. Rand-Cost
Everybody knows somebody who’s always eager to talk about their latest, best investment. But is it a good idea to share your investment strategy at
As your wheel of life turns, your financial needs, goals and focuses change. In the early years, you’re absorbed by accumulating assets. Then, the focus
As financial advisors we work with lots of different people. Although no two situations are identical, we do see the same themes coming up again
The Magnificent Seven mega-tech stocks responsible for much of the equity optimism around the globe this year sold off significantly in July – bringing the
We’re ready to help you navigate the “three-pot system,” (often referred to as a two-pot system) which will be implemented on 1 September this year.
The “marshmallow effect” gets its name from a fascinating 1960s experiment which used marshmallows to test preschoolers’ ability to delay gratification. In financial planning, delayed
South Africa’s momentous elections will impact financial markets for months to come, we just can’t predict how. Even if an investor-friendly coalition is agreed in
When discussing investing, we often picture ourselves as logical beings, making decisions based on cold, hard facts rather than warm, fuzzy feelings. But let’s face
Being able to retire comfortably is the ultimate goal. But getting there will require familiarising yourself with a few different financial vehicles. What’s the difference
Need to Know: Annualised Returns Versus Internal Rates of Return.
When you have your reviews with us, you’ll likely be told about the Annualised Rate of Return (ARR) and Internal Rate of Returns (IRR) of your investments.
Do You and Your Partner Share the Same Money Values?
Money can be one of the most contentious issues in a relationship. Yet often couples don’t think about where they agree about financial matters and where they don’t.
Investors have been betting on when interest rates will come down since mid-2023, when the US Federal Reserve first paused rates. The South African Reserve Bank and most other central banks followed.
Since then, financial markets have been much more optimistic than the central banks on when – and by how much – interest rates will decline.
Everyone agrees that diversification is important for managing risk. But what does diversification look like in practice?
In this article, we take a look at what counts as diversification and what doesn’t – why you can own lots of different things, and still not have a diversified portfolio.
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