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  So in the spirit of checklists here is my list to help you identify why you DON’T need an investment advisor: 1.    You understand how to identify and define your investment goals. Sounds simple enough but we are not just talking about identifying a bland statement like:  “I want…

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Having a more meaningful understanding of why inflation is important and how it impacts on our ability to create wealth is a key element in creating a successful investment strategy. It may help us avoid making some of the more common mistakes that scupper our plans to achieve our long…

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It is old subject  matter but given the number of queries I have recently received regarding this topic, I thought it would be useful to post what is hopefully a fairly basic but informative overview of what retirement planning incorporates.  What is a retirement plan? At the risk of stating the obvious,…

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Two roads diverged in a yellow wood, And sorry I could not travel both And be one traveler, long I stood And looked down one as far as I could To where it bent in the undergrowth;  Then took the other, as just as fair,…

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 What are ETF’s What are the benefits of using ETF’s What are some of the shortfalls of ETF’s Potential…

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I often say that investing is not complicated but it is important to understand the basics so as to avoid some of the more obvious pitfalls and perhaps some misleading marketing from time to time. With this in mind, we will first look at some of the important issues related…

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Anyone who has ever entered into a discussion with me about investing (whether as a client or innocent bystander) will know that I feel very strongly about the costs associated with accessing investments and financial advice or products in general. I am passionate about not paying for a service I…

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My daily monitoring of market news and headlines is throwing out a couple of signals that remind me a little of the complacency that existed in financial markets pre-crisis.  A steady stream of articles articulate how the credit or corporate bond markets are absorbing new supply or issuance by the…

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If you ever needed proof that economic indicators are very poor predictors of market returns then you need to look no further than the last twelve months or so. Despite GDP growth rates indicating slowing economies in the US, UK and Europe (including Germany), all risk assets are trading at…

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  Source: Financial Times/www. ft.com as at 4 January 2013 They say a picture is worth a thousand words – this one has proven to be worth a few thousand Rand too.   My godson, Steven, turned 10 years old in July of last year and other than…

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It is not the drill that we want but the hole.

It is not the investment itself that has value, but rather what that investment allows or achieves which is most valuable.