Women outperform men by 1.8% when it comes to investment performance, according to a 2018 study by the Warwick Business School. The study tracked 2 800 investors’ behaviour and investment returns for three years. It found that women investors not only outperformed the FTSE 100 during that period, they also outshone their male counterparts. While annual […]
Considering South Africa’s stock market represents only around 1% of the world’s total listed equity market capitalisation, having some offshore equity exposure is a logical choice – otherwise you are missing out on 99% of the available opportunities, and some fantastic ones at that. However, studies have found that investors in both developed and emerging […]
Taking out insurance is about more than being prepared for the unexpected or signing up because it is the ‘right thing to do’. Insurance should be carefully adapted and tailor-made to suit every different stage of your life, whether you are a young executive starting out, or a pensioner wanting to enjoy life. We know […]
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 […]
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 […]
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 […]
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 […]
