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
An Economic and Market overview of October 2023 from Analytics Consulting.
Making sure that you have enough money to see you through retirement is a vital part of your future planning. But it shouldn’t be the only part.
In this article we look at how dealing with loneliness is attracting more attention, and how loneliness and financial difficulties in retirement can form a negative spiral.
Many retirement and insurance products allow you to nominate beneficiaries – the people you would like to receive the proceeds, should you pass away.
Read on for a rundown of some of the key considerations.
Mark Twain once said, “Buy land; they’re not making it anymore.” But do these famous words still hold true?
There’s much debate about investing in property, especially local property. Like all asset classes, it has its pros and cons.
That said, we still believe it should form part of a diversified portfolio. After all, diversification is the only free lunch in the world of investment
The FPSB Value of Financial Planning Consumer Research study presents a compelling comparison between the personal experiences of individuals who navigate their financial journey alone, those who work with a financial planner, and importantly, those who seek advice from a CERTIFIED FINANCIAL PLANNER professional.
An Economic and Market overview of September 2023 from Analytics Consulting.
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.
While most advice about budgeting concentrates on trying to find ways of helping people not to spend too much, there is another group of people that has the opposite problem. These “tightwads” find it very hard to spend at all.
In this article we look at what might be behind this anxiety and provide a practical way of trying to ease it.
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.
An Economic and Market overview of October 2023 from Analytics Consulting.
Making sure that you have enough money to see you through retirement is a vital part of your future planning. But it shouldn’t be the only part.
In this article we look at how dealing with loneliness is attracting more attention, and how loneliness and financial difficulties in retirement can form a negative spiral.
Many retirement and insurance products allow you to nominate beneficiaries – the people you would like to receive the proceeds, should you pass away.
Read on for a rundown of some of the key considerations.
Mark Twain once said, “Buy land; they’re not making it anymore.” But do these famous words still hold true?
There’s much debate about investing in property, especially local property. Like all asset classes, it has its pros and cons.
That said, we still believe it should form part of a diversified portfolio. After all, diversification is the only free lunch in the world of investment
The FPSB Value of Financial Planning Consumer Research study presents a compelling comparison between the personal experiences of individuals who navigate their financial journey alone, those who work with a financial planner, and importantly, those who seek advice from a CERTIFIED FINANCIAL PLANNER professional.
An Economic and Market overview of September 2023 from Analytics Consulting.
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.
While most advice about budgeting concentrates on trying to find ways of helping people not to spend too much, there is another group of people that has the opposite problem. These “tightwads” find it very hard to spend at all.
In this article we look at what might be behind this anxiety and provide a practical way of trying to ease it.
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