There is no doubt that people are different, and a perfect example of this is when it comes to using …
It pays to settle your debt
They say that you shouldn’t sweat the small things in life, and although there might be a lot of truth …
Why an emergency fund is so important
One of the most fascinating animals I have come across in my life, is the northern short-tailed shrew. It has …
Investing offshore – what you need to know
If Covid-19 has taught us anything, it’s that many of us have a tendency to act impulsively and without getting …
What to do in times of misfortune
In 1964, a 22-year old Muhammad Ali (known then as Cassius Clay) shocked the world when he became the world …
The road to success does not always run equally smoothly
It’s a scientific fact that no two people are exactly alike. A few years ago, my family and I took …
Five achievable investment ideas to help grow your personal wealth
I recently got home from work, only to find my eldest daughter in tears. Upon enquiry as to why she …
Sometimes doing nothing is the best thing to do
Until fairly recently, my youngest daughter competed in the South African XC mountain bike race series. For those of you …
How to save during tough times
We currently find ourselves in a market that hasn’t shown any real growth over the past five years and even …
Saving in offshore investments
We still find ourselves in the month of July, which also happens to be National Savings Month. In my previous …
How to prepare your investments for retirement
It doesn’t matter which social media platform you are using, it’s clear that it’s that time of the year when …
Retirement: What if the RECOMMENDED withdrawal rate is not enough?
Last week I discussed the impact of withdrawal rates on a living annuity’s lifespan and I showed investors how a …
Have realistic growth expectations
“`During my years in this industry, I have met countless investors who simply aim too high with their growth expectations …
Structure your direct offshore investment correctly, from the start
Do your own research and approach emigration and externalisation of assets with exceptional levels of critical thinking, not based on …
Funds: Are they poor performers or just being mistreated?
When I mention the names Floyd Mayweather and Connor McGregor, four words come to mind: Top Arrogant World Champions. Both …
How to retire in South Africa post 2019
South Africans will need to increase their focus on tax-efficient investment. South Africans received the budget speech gracefully on February …
High costs attached to retirement annuities are a myth
I recently co-consulted a client with another adviser with the aim of addressing the client’s retirement needs. The adviser recommended …
You CAN invest in direct shares within your RA
In recent weeks, we have busted a myth or two regarding retirement annuities (RAs), and proved the product’s undeniable benefits …
The retirement annuity tax myth busted
I’m sure many of you have noticed how we associate nearly every month of the year with something. September is …
The decision every parent must make, and would rather not
Considerations when appointing guardians for your minor child. By Richus Nel South Africa certainly is an exciting country to live …