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 […]
The current 2018/2019 tax year is ending on 28 February 2019. During this time, it is important to remember to make use of certain benefits for the year such as your annual deductions and exclusions: Contributions to a retirement annuity can be claimed as a tax deduction when filing your annual tax return. These contributions […]
The end of February sees an end to another tax year. In this newsletter, we remind our clients that the current tax year is almost coming to an end, and as such the benefits of topping up or starting a Retirement Annuity will be discussed. We’ll also review the structure and the long-term benefits of […]
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 […]
A century ago Albert Einstein shook the foundations of our understanding of the universe when his theories of relativity changed the way we think about space and time. His theories reframed time as a relative and subjective experience. Although science may now think differently about time, our everyday experience continues to tick over in a […]
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 […]
