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Living annuities and how they affect your living

Oh, the ironies of life…  One of South Africa’s most contentious laws regarding annuities states that a retirement fund may not be completely withdrawn in a lump sum, but a minimum of two thirds must be invested into a compulsory living annuity in an attempt to aid preservation of retirement money. Even those who are well informed about their retirement money sometimes forget this element of their annuities. Then along came the Coronavirus pandemic with global […]

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Words that will make (or cost) you money

Communication around your finances is crucial if you want to be more mindful and intentional around wealth creation. There are some conversations that will help you ascribe meaning to your money, and these should happen early on in your planning process (and regularly thereafter). Then there are conversations that will facilitate the actioning of your financial plan and will be important when you need to make changes to your portfolio. Here is a quick guide to […]

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Finding the fungibility in commodities

Depending on your level of investing savvy, you may or may not be comfortable with the term ‘commodities’. As our global systems currently enter one of the toughest times experienced in over a hundred years, you may hear this term bandied about a fair amount. Essentially, commodities are the basic building blocks of the global economy, upon which most other goods are created. They fall into two broad categories – hard and soft. Hard commodities are […]

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Investing amid uncertainty

Anything of any value takes time. Likewise, creating wealth is a long-term process. Well-structured investment strategies have always taken uncertainty into account. Patience, resilience and a robust strategy are imperative to weather the global investment storm that has been raging in recent times. As you embark, or continue, upon your journey to great financial security, it is important to wholly understand the investment landscape. This is one of the areas where having an adviser you trust […]

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Bear Markets vs Bull Markets

When it comes to investing in the markets, the terms bull and bear market are used to describe how stock markets are doing in general. Simply put, are they going up or are they going down? At the same time, because the market is determined by investors’ attitudes, these terms also denote how investors feel about the market and the ensuing trends. Driving up A bull market refers to a market that is on the rise. […]

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Why have the markets taken a knock?

In a nutshell, the markets are driven by business activity which is supported by investor confidence. When businesses have investors, they can grow and create more value, which in turn encourages more investors. When businesses can’t run normally (like in the case of a global pandemic), investors fear they will lose money and pull out their investments or stop supplying more cash – which hits the businesses even harder. The interconnected world we live in means […]

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Understand what you need in your adviser

Here’s the thing about a 20-minute DIY job: it never takes 20 minutes. Either you don’t have the right tools, or the right skills… or the materials turn out to be too hard, too soft, too big, too small etc. On the rare occasion, it might take you 20 minutes or less. You might be perfectly suited to it, and have all you need on hand. For most of us – it doesn’t turn out that […]

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Silver lining investments to get you through slump time

They say to make hay while the sun is shining, but what about during overcast conditions? The current outlook for SA investors is not as stormy as it was two years ago, but it certainly isn’t clear skies. While we started the year filled with new optimism in a new president and the looming threat of state capture vanishing, other problems have remained. Thanks to Eskom, plummeting business confidence scores, policy uncertainty and a host of […]

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Reasons for SA SMEs to smile

It’s not always easy to see, but there are unexpected positives in South Africa’s current financial situation. Of all the segments of our population who could be grumbling, many would say that SME owners are right up there. Squeezed like the middle-class tax payers, but with the added brutal success figures of less than 10 percent after two years, SMEs seem to have it doubly rough. But could there be a silver lining? Things cost the […]

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The dollar’s time is running out

South Africans (and many others) sometimes suffer from an unbalanced bias when it comes to the United States: we assume that anything American is top-class. Certainly, when talking about the markets, South Africa’s indices and analyses are always about what America is doing. The dollar has, for a long time, been the most influential currency. However, this may not be for much longer. Investors are preparing for what’s becoming known as ‘de-dollarisation’. What is de-dollarisation? De-dollarisation […]

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