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Tackling financial challenges as a team

In the shared journey of financial management within a relationship, it’s essential to identify the actual challenge: the financial situation, not your partner. Disagreements over money shouldn’t strain the relationship; rather, they should be seen as chances to strengthen bonds through understanding and teamwork. To tackle financial challenges as a team, it’s important to communicate in a way that values each person’s experiences and works towards your shared goals as a couple. One such transformative approach […]

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Sometimes, the best action is inaction

Many investors are drawn to the fast-paced world of buying low and selling high, chasing the thrill of timing the market for quick profits. Yet, there exists a timeless strategy far removed from the frenetic quest for immediate gains: embracing the power of staying invested over the long term. This approach, preferring ‘time in the markets’ rather than ‘timing the markets,’ encourages patience and a steady hand over speculative bets. The challenge with market timing is […]

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Smashing the invisible barriers

When we contemplate our financial goals, the journey often seems straightforward until we encounter invisible barriers that keep us from reaching our full potential. These barriers are rarely about the tangibility of money or the complexity of financial markets; more often, they are the intangible hurdles of our own limiting beliefs. The story of Roger Bannister, the first person to run a mile in under four minutes, isn’t just an athletic achievement; it’s a testament to […]

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The Solomon Paradox

Imagine possessing wisdom so profound that it becomes legendary, guiding nations and solving the most intricate disputes, yet finding oneself ensnared in personal quandaries with no clear path forward. This is the story of Biblical King Solomon, a figure whose life embodied what we know today as the Solomon Paradox—the intriguing disparity between offering wisdom to others and applying it to one’s own life. The very wisdom that made Solomon a figure of legend seemed to […]

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Coaching and financial planning

Financial well-being is not just about accumulating wealth; it’s about how we approach our finances, understanding our behaviours, and align our actions with our deepest values. This nuanced journey benefits immensely from a coaching mindset that integrates the principles of positive psychology, turning the daunting into the doable, and transforming challenges into opportunities for growth and self-discovery. The bedrock of trust and authenticity lies at the heart of a fruitful coaching-type relationship. This foundation enables a […]

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Two lessons for investors

In the journey of personal finance, where the currents of market trends and economic forecasts constantly shift beneath our feet, two principles stand as beacons to guide us through. These aren’t just strategies but rather philosophies that are time-tested and time-honoured. Principle #1: Steering Beyond Economic Forecasts Trying to forecast what’s going to happen in our economy can be similar (although less accurate) to weather predictions for sailors; it’s useful, but often fraught with uncertainty. They […]

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Financial wellness mindsets for life’s autumn

Autumn is a precious time of year and is perhaps an altogether more positive metaphor for another special time: the tail end of middle age when we are far from elderly, but far from young. You look up one day and realise that while you were busy building a life with your family, or perhaps pursuing a fulfilling career, the years rolled by more quickly than you thought. There’s still time on the proverbial clock, but […]

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Make your life easier – Part 3

Don’t avoid digital help. Whilst there are many dystopian stories about how robots will take over the world, those projected realities are highly unlikely to ever manifest. AI, big data and cloud storage can be our friend in making our life easier – which is what technology was always intended for! Granted, we can easily become disconnected from the material and relational world around us if we immerse ourselves too completely in the digital world, so […]

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Make your life easier – Part 2

Every time we say ‘YES’ to something new, it seems to just make our life more complicated down the line; more events to attend, increased responsibilities and less time to relax and do what we really want to do. Finding just the right amount of order in your life is one of the secrets to making your life easier (learning to say ‘No.’ is another secret…) Whilst we can’t just stop growing and adding more to […]

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Offshore investing and the new expat tax

As of 1 March 2020, an amendment to the South African Income Tax Act will have definite ramifications on the lives of South Africans living and working abroad. Now that this infamous ‘expat tax’ is in effect, SA expats are now obligated to pay up to 45% of their foreign income to the taxman when it exceeds R1 million per annum, which includes any fringe benefits provided as part of the job. But what about investors? […]

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When family means everything.