Increasingly, South Africans are acquiring foreign assets – investments, bank accounts, properties and the like. If that applies to you, you’ve no doubt wondered whether your local South African will is enough to cover all your assets globally, or if it only applies to your local assets?
It appears that Trump-related investor optimism has dissipated, leaving the US stock market in the red since he took office.
Uncertainty, it seems, is the order of the day and investing for the long-term (but expecting realistic returns) is the only solution.
What is Capital Gains Tax (CGT)? Why do you have to pay it? How is it calculated? And how can you keep its impact on your finances to a minimum?
We’ll answer all these questions and several others in this handy explainer on one of the most poorly understood aspects of our tax law.
After your passing, the last thing you want is conflict among your heirs and unnecessary legal drama.
Born between 1965 and 1980, Gen Xers have lived through times of economic turmoil, making them the first living generation to be worse-prepared for retirement than their parents. But they’re also equipped with some financial planning superpowers: they think on their feet and never take anything for granted.
Investor anxiety set in late last year and has continued into early January, with both local and global uncertainties creating an environment that’s ripe for volatility.
While initial enthusiasm surrounding Trump’s likely market-friendly economic policies drove the S&P 500 index above 6,000 points for the first time, investors are now carefully weighing the opportunities and risks ahead.
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
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
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
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
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
It’s normal not to want to prepare an antenuptial contract, as it feels like you’re preparing for divorce – absolutely the last thing you want to think about when you’re caught up in the thrill of planning a wedding.
Read on for an overview of the choices available to you – and their financial consequences.
Tax is one of the most important aspects of financial planning.
The donations tax allowance is one of the most under-utilised exemptions, and it’s available to everyone.
Read on to find out how to take advantage of it.
The much talked about two pot system for retirement savings hasn’t even come into being. And now government’s proposing a three-pot system (although they’re still calling it a two-pot system).
Read on for an in-depth discussion of the pros and cons of the pending changes to retirement planning in South Africa.
South Africa has some serious problems, and there’s little sign of them getting better.
So, what should a South African investor do in this situation?
When people talk about wealth, they tend to think of material possessions. But true wealth requires a mindset that goes beyond just accumulating money.
Read on to learn how to think differently about wealth and why it is about more than just your finances.
Kevin Lings, Chief Economist at Stanlib, unpacks the 2023 budget in this 15 minute video.
The South African economy represents less than 1% of global economic activity and returns on local equity have been average over the last few years.
Investing offshore – over and above the contributions to your local retirement fund – is crucial. A healthy portfolio should be split across regions and currencies to hedge against the depreciating rand, and to gain from higher economic growth in other jurisdictions. But with Regulation 28 blocking the way, what other options do you have?
This month we explain how endowments work.
The biggest obstacle to growing your wealth has nothing to do with the stock market – it has to do with you. More specifically, the choices you make about your lifestyle and your saving habits.
Achieving financial freedom is a personal journey that involves lots of little behavioural changes over time.
These small changes can make all the difference in the long run.
Increasingly, South Africans are acquiring foreign assets – investments, bank accounts, properties and the like. If that applies to you, you’ve no doubt wondered whether your local South African will is enough to cover all your assets globally, or if it only applies to your local assets?
It appears that Trump-related investor optimism has dissipated, leaving the US stock market in the red since he took office.
Uncertainty, it seems, is the order of the day and investing for the long-term (but expecting realistic returns) is the only solution.
What is Capital Gains Tax (CGT)? Why do you have to pay it? How is it calculated? And how can you keep its impact on your finances to a minimum?
We’ll answer all these questions and several others in this handy explainer on one of the most poorly understood aspects of our tax law.
After your passing, the last thing you want is conflict among your heirs and unnecessary legal drama.
Born between 1965 and 1980, Gen Xers have lived through times of economic turmoil, making them the first living generation to be worse-prepared for retirement than their parents. But they’re also equipped with some financial planning superpowers: they think on their feet and never take anything for granted.
Investor anxiety set in late last year and has continued into early January, with both local and global uncertainties creating an environment that’s ripe for volatility.
While initial enthusiasm surrounding Trump’s likely market-friendly economic policies drove the S&P 500 index above 6,000 points for the first time, investors are now carefully weighing the opportunities and risks ahead.
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
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
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.
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
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
It’s normal not to want to prepare an antenuptial contract, as it feels like you’re preparing for divorce – absolutely the last thing you want to think about when you’re caught up in the thrill of planning a wedding.
Read on for an overview of the choices available to you – and their financial consequences.
Tax is one of the most important aspects of financial planning.
The donations tax allowance is one of the most under-utilised exemptions, and it’s available to everyone.
Read on to find out how to take advantage of it.
The much talked about two pot system for retirement savings hasn’t even come into being. And now government’s proposing a three-pot system (although they’re still calling it a two-pot system).
Read on for an in-depth discussion of the pros and cons of the pending changes to retirement planning in South Africa.
South Africa has some serious problems, and there’s little sign of them getting better.
So, what should a South African investor do in this situation?
When people talk about wealth, they tend to think of material possessions. But true wealth requires a mindset that goes beyond just accumulating money.
Read on to learn how to think differently about wealth and why it is about more than just your finances.
Kevin Lings, Chief Economist at Stanlib, unpacks the 2023 budget in this 15 minute video.
The South African economy represents less than 1% of global economic activity and returns on local equity have been average over the last few years.
Investing offshore – over and above the contributions to your local retirement fund – is crucial. A healthy portfolio should be split across regions and currencies to hedge against the depreciating rand, and to gain from higher economic growth in other jurisdictions. But with Regulation 28 blocking the way, what other options do you have?
This month we explain how endowments work.
The biggest obstacle to growing your wealth has nothing to do with the stock market – it has to do with you. More specifically, the choices you make about your lifestyle and your saving habits.
Achieving financial freedom is a personal journey that involves lots of little behavioural changes over time.
These small changes can make all the difference in the long run.
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