Economy

Low volatility does not necessarily mean less growth

Investors who have followed my reports over the years, would know that I like to use well-known sayings to either point out or describe a variety of terms or market movements. But there is one saying that regularly makes its appearance in the investment world: “High risk, high reward.” Without wanting to offend thrill seekers, […]

Economy

The S&P500 party is just getting started

We have all been invited to a function, party, wedding or braai that we just didn’t look forward to, only to be surprised with a very pleasant event. Before you knew it, you were socialising like pro, and by the time midnight struck, you were the one proudly showing off your best dance moves to […]

Economy

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 a road trip through the Klein Karoo. Aside from being one of the most breathtakingly beautiful places on earth, it is also known for some of the world’s most beautiful mountain ranges. We spent the […]

Financial Planning

When last year’s winners keep up momentum

A few of you might point out that my message this week directly contradicts what I said a few weeks ago. “Don’t bet on last year’s star performers” was right there in the title in September after all, and I pointed out that betting on last year’s winning shares may not always be the best […]

Financial Planning

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 was so sad, she told me that she had a massive university assignment due and that this particular assignment was so huge, that with the time she had left and the quantity of work that […]

Financial Planning

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 who are not too familiar with the sport, the easiest way to describe this particular type of race, would be to refer to it as a mountain bike race that takes place on a track […]

Markets & Equities

Is there value hiding in quality shares?

When we talk about the biggest comeback of all times, I’m sure that Tiger Woods will stand out as one of the greatest ever. Until quite recently still, whenever the name Tiger Woods was mentioned, most people felt that he USED TO be one of the greatest golfers ever and that he was likely to […]

Financial Planning

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 the most optimistic investors are now starting to panic, especially those who have already retired. With the cost of living rising rapidly, many pensioners are forced to increase their withdrawal rates to well above the […]

Economy

Is there really value hiding somewhere in the South African market?

I have always found the human brain to be a fascinating thing. In school, we had a pupil that was extremely gullible. He would come to school 100% healthy, but from time to time, his friends would play a prank on him by telling him that he didn’t look healthy at all. Lo and behold, […]

Economy

There goes the rand… Yet Again

As South Africans, we have this amazing ability to come up with catchy terms for big events that take place in our country. But just as the USA is running out of female names for hurricanes, it seems that we will also be running out of terms to label local catastrophic events soon, especially when […]

Economy

Cobbler, stick to your last

A few years ago, my sister and her then fiancé, asked me to be master of ceremonies (MC) at their wedding. While he is Dutch and she had settled in Amsterdam many years ago, they decided to have their wedding in South Africa. Shortly before their wedding day, however, I got a call from my […]

Markets & Equities

The differences between SA Multi-Asset Income Funds and Money Market

If we take a look at the following incorrect statements made by individuals over the years, one thing becomes clear, and that is that no single human being is perfect: “While theoretically and technically television may be feasible, commercially and financially I consider it an impossibility, a development of which we need waste little time […]

Markets & Equities

The correlation between shares and interest rates

I have referred to the correlation, or lack thereof, between quite a few ratios and investments in my past writings. But much like Australian Cricket players and sandpaper, when we take a closer look at the relationship between our stock market and interest rate cycles, you will see that these two do in fact go […]

Financial Planning

Saving in offshore investments

We still find ourselves in the month of July, which also happens to be National Savings Month. In my previous three columns, I discussed the importance of saving both before and after retirement. This week, I would like to touch on something that has recently appeared regularly both in the press and on social media: […]

Financial Planning

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 everybody’s off to some or other holiday destination. Some have to book months, or even years in advance to reserve the perfect spot in the Kruger National Park, while others opt for a more exotic […]

Equity reports

Choose equity unit trust funds for their strengths

Those of you who follow my reports on a regular basis will know that I love to compare and analyse stocks according to different ratios globally in an attempt to identify the best of the best.  I have also pointed out that there isn’t necessarily only one right answer when it comes to investment ratios. […]

Financial Planning

Have realistic growth expectations

“`During my years in this industry, I have met countless investors who simply aim too high with their growth expectations and often refuse to invest according to the risk profile recommended for them. Upon inception, they want to invest as aggressively as possible to achieve the best possible growth, until markets take a turn for […]

Markets & Equities

Dividends are key

We all have that one thing or event that can take you right back to some of the best times in your childhood. I have plenty, but one that will always stand out is playing board games with my family at the dinner table during holidays. Unlike most families, we didn’t play Monopoly or Trivial […]