NEWSROOM

Why Your Marital Contract Really Matters

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.

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Don’t let Money Ruin Your Relationship

Money can be one of the biggest sources of conflict in a relationship. When partners disagree about how to manage their finances, what to spend on, and how to save, it can create tension that is very difficult to resolve.

Being able to communicate honestly and openly about money should therefore be foundational for any couple. It should be something that is prioritised from the start.

READ MORE

Compound Interest: The Eighth Wonder of the World

Albert Einstein called the magic of compound interest, “the eighth wonder of the world”. He famously stated that “he who understands it, earns it, and he who doesn’t, pays it.”

In other words, compound interest is great when you’re investing and terrible when you’re borrowing.

READ MORE

How Good do You Think You Are at Investing?

We all have a tendency to overestimate our abilities. A lot of the time, this is a good thing. Without any self-confidence, we would struggle to ever find a partner, apply for a job, or try a new hobby.
But there are also times when overconfidence has hazardous results – when we think we know things that we don’t actually know, or believe we know something others don’t.
In this article we look at why this is particularly perilous when it comes to our money and give a very pertinent real-world example.

READ MORE

Why an Endowment is One of the Best Ways to Invest Offshore

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.

READ MORE

Invest With FIRE and Never Look Back

What do you think of when you hear the word ‘fire’? Smoke and helicopters, the sound of a gun? The feeling in the back of your throat when you take a sip of whisky? Maybe even being fired in a recessionary economy? All pretty negative stuff, apart from the whisky…

But we’re not talking about actual flames. FIRE is an acronym for Financial Independence, Retire Early. It’s about maximising your saving power through reduced spending, greater earnings and wise investment. Read on to find out how it works.

READ MORE

Why Timing Might be Everything in Retirement – Especially in a Bear Market

We spend our working lives making sure that we save enough for our retirement. But if we’re unlucky enough to retire just before a market crash, this can throw our planning into disarray.

That is because a big drop in our retirement capital in the first few years of retirement will have a lasting impact. In investment terms, this is called “sequence of return risk” – the risk that bad returns at the wrong time can be especially painful.

READ MORE

Women’s Month: Three Ways You Can Improve Your Money Health

More and more people are becoming aware of the importance of financial wellbeing. Just like it’s necessary to look after your physical health, it is critical to be proactive about taking care of your financial health as well.

In Women’s Month, it’s worth considering why this is a particularly important topic for women. Often, they find it harder to take care of their financial wellbeing because of the different demands on their money and their time.

In this article we look at what makes financial wellbeing for women so important and examine three ways they can move towards a healthier relationship with their money.

READ MORE

A Simple “50-15-5” Budget Hack for Women (and Men!)

Many people find budgeting a turn-off. They don’t want to keep track of every rand they spend. They find it limiting, and an administrative hassle.

For those women who already shoulder most of the responsibility for running a household, this can be particularly true. They don’t want to add anything extra to the long list of things they already need to take care of.

Having a simple approach to running a ‘spending plan’ rather than a strict budget can therefore be quite liberating for many people. Read on to discover a simple approach to getting this right.

READ MORE

Is Your Business Good Retirement Capital?

If you’re an entrepreneur, you’re likely to be an optimistic risk taker and may believe that the proceeds from the sale of your business will suffice as retirement capital.

The harsh reality is that not all businesses have a happy ending.

Although drive, motivation and a propensity for risk are great for growing a business, they don’t always translate into sound retirement planning.

Diversifying your assets is a great way of insuring against the possible decline of your business, or the inability to sell it when you need to.

READ MORE

How Relevant Is The 4% Rule of Thumb These Days?

Generations of financial planners have advised their clients to use the 4% rule when planning retirement withdrawals. But is it still relevant today?

This article explains that, while the 4% rule can be a good way to think about how much you will need to save for retirement, it can never replace a proper financial plan.

Like most rules of thumb it’s not completely worthless – but it’s also not the answer to a happy and prosperous retirement. Planning your retirement is probably the biggest financial decision you’ll ever have to make so please do consult a qualified financial planner.

READ MORE

10 Factors to consider when buying an investment property

1. What do you want to achieve? Purchasing an investment property is a business transaction and is merely a bricks and mortar vehicle that enables you to achieve pre-defined financial goals. Before purchasing a property, it is important to identify your end goal and then formulate a plan to get

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10 Steps on how women can take control of their wealth

Two major trends are profoundly impacting women. Firstly, women are living longer then men and secondly, nearly half of marriages are likely to end in divorce, with rising rates among couples over 50’s. This means that many women will become widows or divorcees. Some women will be ready – many

READ MORE
Why Your Marital Contract Really Matters

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.

READ MORE
Don’t let Money Ruin Your Relationship

Money can be one of the biggest sources of conflict in a relationship. When partners disagree about how to manage their finances, what to spend on, and how to save, it can create tension that is very difficult to resolve.

Being able to communicate honestly and openly about money should therefore be foundational for any couple. It should be something that is prioritised from the start.

READ MORE
Compound Interest: The Eighth Wonder of the World

Albert Einstein called the magic of compound interest, “the eighth wonder of the world”. He famously stated that “he who understands it, earns it, and he who doesn’t, pays it.”

In other words, compound interest is great when you’re investing and terrible when you’re borrowing.

READ MORE
How Good do You Think You Are at Investing?

We all have a tendency to overestimate our abilities. A lot of the time, this is a good thing. Without any self-confidence, we would struggle to ever find a partner, apply for a job, or try a new hobby.
But there are also times when overconfidence has hazardous results – when we think we know things that we don’t actually know, or believe we know something others don’t.
In this article we look at why this is particularly perilous when it comes to our money and give a very pertinent real-world example.

READ MORE
Why an Endowment is One of the Best Ways to Invest Offshore

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.

READ MORE
Invest With FIRE and Never Look Back

What do you think of when you hear the word ‘fire’? Smoke and helicopters, the sound of a gun? The feeling in the back of your throat when you take a sip of whisky? Maybe even being fired in a recessionary economy? All pretty negative stuff, apart from the whisky…

But we’re not talking about actual flames. FIRE is an acronym for Financial Independence, Retire Early. It’s about maximising your saving power through reduced spending, greater earnings and wise investment. Read on to find out how it works.

READ MORE
Why Timing Might be Everything in Retirement – Especially in a Bear Market

We spend our working lives making sure that we save enough for our retirement. But if we’re unlucky enough to retire just before a market crash, this can throw our planning into disarray.

That is because a big drop in our retirement capital in the first few years of retirement will have a lasting impact. In investment terms, this is called “sequence of return risk” – the risk that bad returns at the wrong time can be especially painful.

READ MORE
Women’s Month: Three Ways You Can Improve Your Money Health

More and more people are becoming aware of the importance of financial wellbeing. Just like it’s necessary to look after your physical health, it is critical to be proactive about taking care of your financial health as well.

In Women’s Month, it’s worth considering why this is a particularly important topic for women. Often, they find it harder to take care of their financial wellbeing because of the different demands on their money and their time.

In this article we look at what makes financial wellbeing for women so important and examine three ways they can move towards a healthier relationship with their money.

READ MORE
A Simple “50-15-5” Budget Hack for Women (and Men!)

Many people find budgeting a turn-off. They don’t want to keep track of every rand they spend. They find it limiting, and an administrative hassle.

For those women who already shoulder most of the responsibility for running a household, this can be particularly true. They don’t want to add anything extra to the long list of things they already need to take care of.

Having a simple approach to running a ‘spending plan’ rather than a strict budget can therefore be quite liberating for many people. Read on to discover a simple approach to getting this right.

READ MORE
Is Your Business Good Retirement Capital?

If you’re an entrepreneur, you’re likely to be an optimistic risk taker and may believe that the proceeds from the sale of your business will suffice as retirement capital.

The harsh reality is that not all businesses have a happy ending.

Although drive, motivation and a propensity for risk are great for growing a business, they don’t always translate into sound retirement planning.

Diversifying your assets is a great way of insuring against the possible decline of your business, or the inability to sell it when you need to.

READ MORE
How Relevant Is The 4% Rule of Thumb These Days?

Generations of financial planners have advised their clients to use the 4% rule when planning retirement withdrawals. But is it still relevant today?

This article explains that, while the 4% rule can be a good way to think about how much you will need to save for retirement, it can never replace a proper financial plan.

Like most rules of thumb it’s not completely worthless – but it’s also not the answer to a happy and prosperous retirement. Planning your retirement is probably the biggest financial decision you’ll ever have to make so please do consult a qualified financial planner.

READ MORE