This time of year, many investors are in a rush to contribute as much as possible towards their retirement annuities before the end of the financial year, and rightfully so. Along with the most obvious tax advantages associated with a retirement annuity (RA), investing in a retirement annuity also offers an array of other benefits: […]
In this post, we look back at the year’s performance of the various asset classes and highlight one of the most statistically significant observations (mean reversion) in financial markets and how it can benefit you as a long-term investor. The most important quality for an investor is temperament, not intellect – Warren Buffet Growth Assets Continue […]
In the hive of festive activity, it’s easy to forget your financial goals and spend more than you planned. Next thing you know, it’s the New Year and the long month of January, with its all too familiar financial hangover, is stretched out before you. You may have heard about the ‘Marshmallow Test’, a series of experiments conducted by […]
It has been a good few years for cash. As shown in Graph 1, over the past three years cash (i.e. highly liquid assets, like money market funds and fixed-interest assets, such as Treasury bills) has delivered decent returns, when compared to equities and bonds, with significantly less volatility amid ongoing global uncertainty. This has been […]
In South Africa , talking about money makes many people uncomfortable. It is not considered a suitable dinner table topic, or something one easily discusses with one’s children, friends or colleagues. Many companies even have a policy that employees may not discuss their salaries, as if these deserve to be regarded as intimate secrets. This […]
Even if you manage to enjoy a financially savvy Black Friday, the festive season will quickly be upon us and will kick off the frenzy of “special deals” and “discounts” – bombarding consumers that have not had a great year as far as personal finances go. “We have seen the same trend every year since […]
How do you overcome the barriers to investing? Not sure how to start investing your money? Thandi Ngwane from Allan Gray mentions five easy steps how you can start investing sooner rather than later – in their 7 part Investment series. Investing is not a complicated activity only for rich people. It’s a great way to create […]
Every decade brings its own financial challenges, here’s how you can plan for them. Every decade of your life brings fresh challenges, and as your experience, education, and expertise increases over the years of working, so too should your income. As such, the financial goals of your twenties, when you’re finishing up your studies and […]
Financial Planning is an ongoing process to help you make sensible decisions about your money, and the journey begins with helping you communicate the things that are important to you, whether they be aspirational or material. Many people contact SALVO CAPITAL because they know they need independent financial advice but are not sure where to […]
SEPTEMBER is National Wills month – consider taking advantage of the offer to get your Last Will and Testament (Will) drafted. It’s also an opportune time to learn more about the death claims process for your different investment products so that you can share this information with your dependents and loved ones. Sonja Smit from Allan […]
