Financial Planning

A Budget is not a once-off process

Greek mythology has provided us with many famous myths and mythical creatures over the years, but the siren certainly has to be one the most famous. With the head of a woman and the body of a bird, this creature lived on an island where it lured sailors to their doom through enchanting songs. Sailors […]

Markets & Equities Portfolio DIY

Why Dividends help you to Invest better

Without trying to sound like the ‘Naked Chef’, it can be said that it takes a relatively small piece of dough to bake a tasty, fresh loaf of bread. To get better results, it is always better to leave the dough in the oven until it is fully proved and baked. If you become impatient, […]

Financial Planning

Does rebalancing add any real value to your Portfolio?

With summer approaching, I recently decided to dust off my bicycle and regain my former fitness levels. My body, however, made it clear that age moves faster than my bicycle can move up Suikerbossie, so once I got home, I ran the deepest Deep Heat bath possible. Upon getting in with heavy legs, I discovered […]

Markets & Equities

Is Gold still a ‘safe haven’?

It hasn’t been a good month for gold bulls after the gold price decreased by 6.4% (in US$), and the local Gold Index decreased by 17% for the month up to 20 July. The reality is that this isn’t a new trend, but rather a continuing trend since gold’s all-time high in September 2011 (Gold […]

Financial Planning

How much do you need to Retire Comfortably?

Saving for retirement is a lot like batting first in a cricket match. You know you have to save and you do so to the best of your ability, but how many ‘runs’ do you truly need to retire comfortably? In this week’s article, I’m going to try to show you a more structured approach […]

Financial Planning

eTV Moneyline Interview: Top Tips for National Savings Month 2015

Schalk Louw talks about National Savings Month, July 2015. The opinions expressed in this interview are the opinions of the speaker and not necessarily the opinion of PSG. These opinions do not constitute advice. Although the utmost care has been taken in the research and preparation of this interview, no responsibility can be taken for actions taken on […]

Financial Planning

Remember the term ‘SAVE’?

We have just passed everyone’s favourite time of the month – month-end! Perhaps you looked forward to an expected mid-year increase, and shamelessly went ahead and spent your money on all those desirable items before payday. Sobering is that moment when payday arrives without your expected salary increase, in a time when necessities such as […]

Financial Planning

Stay sharp with the SHARPE RATIO

The rules and regulations relating to investments have changed considerably since 2002, especially in terms of advice given to clients. In addition, we now find ourselves in the ‘calm before the storm’ as investors are becoming increasingly worried about the market’s high and risky levels. Many are either starting to flee or to search for […]

Markets & Equities Portfolio DIY

A team that can score and defend

With exciting prospects of a Rugby World Cup later this year, I was encouraged to show that I too can choose a winning team for the moderate investor. I won’t be using rugby players, of course, but rather investments that you can consider when building your own balanced portfolio. Props They are usually the heaviest […]

Economy

The Rand – 12.5 Litres in a 10 Litre bucket

I always enjoy the story of how the Springkboks played a test match against Scotland at Murrayfield Stadium in 1951, and how they beat them with a record score of 44-0. No wonder the Scottish commentator, Bill McLaren, had to wait until after this outstanding performance by South Africa, to tell his listeners in his […]

Markets & Equities

Shares and Interest Rates go hand in hand

We’ve all heard the saying: “It goes hand in hand.” The easiest way to illustrate its meaning is by referring to examples such as cheese and wine, tea and biscuits, Sonny and Cher, and Bismarck and a disciplinary hearing. When we take a closer look at the equity market and interest rate cycles, it becomes […]

Financial Planning

Retirement Planning – What to do in your 40’s?

A number of years ago after attending a presentation in Gauteng, I had to rush back to the airport in time for a flight to Bloemfontein. There were a lot of road works, the weather was dreadful and as a result, I missed my flight. To add insult to injury, I was informed that it […]

Markets & Equities

Invest with a clear Mind and not a weak Heart

In a previous article, I asked you to imagine your perfect summer holiday at your dream destination. Now imagine that same holiday while having a bad bout of the flu. Your body is aching, your head is pounding and you are running a fever. I hardly need to explain why this holiday would turn out […]

Financial Planning

Procrastination is the Thief of Time

We recently decided to spend a beautiful Sunday at one of our favourite Cape Winelands restaurants. Instead of booking a table immediately, I spent my time attending to an array of other tasks and each time my wife asked me whether I had made the booking, I answered: “I just want to finish this and […]