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Why You Should Keep Your Investment Strategy to Yourself
“There is no pebble so small that it won’t make ripples when tossed into a body of water.” (Charles Peck) In a recent blog post, financial writer Morgan Housel made an interesting observation. He wondered what would happen if people invited public scrutiny of the way...
Market Update: Christmas in September if Rates Come Down as Expected
SA and US interest rate cuts on the cards in September If all goes well, SA and US borrowers can look forward to an at least 25-basis point (bp) reduction in interest rates, spelling the beginning of a declining interest rate cycle. There are hopes that one or both...
Three Pot System 101: What You Need to Know Before 1 September
“Change is not a gate we pass through; it is the definition of life.” (Millie Florence) The good Supporters of the change believe that introducing an accessible savings pot can provide salvation for those in financial crises, like the one caused by the Covid pandemic....
Do You Recognise Yourself in Any of These Client Case Studies?
“If a man is not faithful to his own individuality, he cannot be loyal to anything.” (Claude McKay) Case study 1: Family matters One financial advisor told us about a 68-year-old client who sold his business and worried his children would be ruined by inheriting too...
Market Update: Magnificent Seven Lose Their Magnificence in July
Magnificent Seven come tumbling down The Magnificent Seven stocks (Apple, Amazon, Google-parent Alphabet, Nvidia, Facebook-parent Meta Platforms, Microsoft, and Tesla) have been responsible for the lion’s share of the US bull market in equities since late 2022. So...
Market Update: Financial Markets Welcome GNU 2.0 and New Cabinet
GNU 2.0 the best possible outcome for investors South Africa’s second Government of National Unity in three decades heralds good things to come for the country and investors. Financially speaking, it is the best outcome we can hope for in a challenging political...
Why the Marshmallow Effect Could Derail Your Retirement Plans
“One must learn to give up momentary, uncertain, and destructive pleasure for delayed, restrained, dependable pleasure.” (Sigmund Freud) What is the marshmallow test? The test was devised by Walter Mischel, a Stanford University psychology professor, in the 1960s....
Safeguard Your Money: Look out for Phishing Scams
“Obviously crime pays, or there’d be no crime.” (G. Gordon Liddy) It’s an unfortunate reality that you can’t be too careful with your money these days. For all that modern technology has done to enhance our lives, it has also sadly made it easier for criminals...
Busting the Post-Retirement Jargon
“Often, when you think you’re at the end of something, you’re at the beginning of something else.” Fred Rogers Retirement planning 101 If you're part of a pension or provident fund or have a preservation fund and/or a retirement annuity, you can withdraw up to...
Investment Jargon 101: Your One-Stop Primer
"An investment in knowledge pays the best interest." (Benjamin Franklin) A is for Asset Your possessions are known as your assets, while any debts are called liabilities. If your home's mortgage is fully paid up, your home is an asset, but if you’re still paying off a...
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