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
Managing personal finances is a real challenge for many people who find themselves part of “the sandwich generation”. When there are expectations from your children, your parents and even your wider family that you will support them financially, how do you cope? In this article, we look at a question
Global stock markets blinked in April for the first time since last October. This came in the face of growing geopolitical, economic and financial risks after rallying strongly for the first three months of the year.
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.
An Economic and Market overview of February 2024 from Analytics Consulting.
Every investor should have a financial plan to guide them on their savings journey. But they should also remember that no matter how good a plan might be, there is always the risk that something will go wrong.
In this article, we look at the importance of building room for error into your financial plan.
While the budget has been largely viewed as prudent, there were few surprises and little in the form of good news for individuals in Minister Godongwana’s speech.
An Economic and Market overview of January 2024 from Analytics Consulting.
Most financial theories and investment plans are based on the idea that investors are rational beings who consistently make decisions that are in their best interests.
There’s just one catch – we aren’t, and we don’t.
An Economic and Market overview of December 2023 from Analytics Consulting.
An Economic and Market overview of November 2023 from Analytics Consulting.
“Both optimists and pessimists contribute to society. The optimist invents the aeroplane, the pessimist the parachute.” (George Bernard Shaw)
In this article we look at why both optimism and pessimism are important characteristics for any investor.
If you’ve created wealth using Pension and Provident funds and/or Retirement Annuities and are nearing retirement, you’ll need to decide what you’re going to do with the funds to provide you with an income in your golden years.
Let’s face it. We’ve all got more than enough stuff. No one you know wants another pair of socks or a new set of ramekins. And even your kids (or grandkids) don’t really need any more material possessions. But it’s the festive season and it’s only natural to want to
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
Managing personal finances is a real challenge for many people who find themselves part of “the sandwich generation”. When there are expectations from your children,
Global stock markets blinked in April for the first time since last October. This came in the face of growing geopolitical, economic and financial risks after rallying strongly for the first three months of the year.
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.
An Economic and Market overview of February 2024 from Analytics Consulting.
Every investor should have a financial plan to guide them on their savings journey. But they should also remember that no matter how good a plan might be, there is always the risk that something will go wrong.
In this article, we look at the importance of building room for error into your financial plan.
While the budget has been largely viewed as prudent, there were few surprises and little in the form of good news for individuals in Minister Godongwana’s speech.
An Economic and Market overview of January 2024 from Analytics Consulting.
Most financial theories and investment plans are based on the idea that investors are rational beings who consistently make decisions that are in their best interests.
There’s just one catch – we aren’t, and we don’t.
An Economic and Market overview of December 2023 from Analytics Consulting.
An Economic and Market overview of November 2023 from Analytics Consulting.
“Both optimists and pessimists contribute to society. The optimist invents the aeroplane, the pessimist the parachute.” (George Bernard Shaw)
In this article we look at why both optimism and pessimism are important characteristics for any investor.
If you’ve created wealth using Pension and Provident funds and/or Retirement Annuities and are nearing retirement, you’ll need to decide what you’re going to do with the funds to provide you with an income in your golden years.
Let’s face it. We’ve all got more than enough stuff. No one you know wants another pair of socks or a new set of ramekins.
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