What’s age got to do with insurance? A lot actually. How it affects your insurance tends to depend on the type of insurance we’re talking about. For instance, when it comes to life insurance, your age plays quite a big role in how much you’ll pay. It’s better to get cover as early as possible, […]
It may seem like a reasonable response to move out of investments that are underperforming into those that are outperforming, but this can destroy wealth. Warren Buffett is widely regarded as one of the world’s most astute investors. As chairman and CEO of Berkshire Hathaway, he has built up a fortune that made him the […]
Saving enough for retirement can seem like a daunting and complex problem. However, there are really only three things that investors have to consider. In its simplest form, saving for retirement depends on three factors: time, contributions and returns. Although you can shift your focus between these three factors, you cannot neglect any of them […]
How you can influence your investment outcomes – After an undeniably tough 2018, the local market staged a turnaround during the first quarter. But the atmosphere in the country is blowing hot and cold: As the general election approaches, and the Eskom crisis rages on, there is an undercurrent of uncertainty and markets are hypersensitive […]
Is the very thought of planning a barrier for you when it comes to investing? Or are you guilty of overanalysing and underacting? We investigate why, in our search for answers, we refuse to accept the simple ones. We also provides some useful tips to help us overcome these common barriers. We have written numerous […]
Goals-based investing is about aligning your investments with your life. When you decide how to invest, you should start with your end goal in mind in order to ensure that you are not distracted by short-term noise, such as a weakening or strengthening exchange rate, power failure or another Cabinet reshuffle. Goals-based investing, where an […]
Don’t just plan for retirement, Plan for a long life Those in the retirement industry bemoan the fact that South Africans are poor savers and are often one emergency away from trashing what savings they have. A survey shows that just one in three ‘baby boomers’ has any form of formal retirement saving. There are […]
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 […]
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 […]
When you consider the biggest risk to your wealth – Every investor would have heard of equity and listed property referred to as ‘risk assets’. They would also have seen a graph which shows the relative risk of different asset classes, with cash at the bottom as the ‘lowest risk’ and equity at the top […]
