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  That was the  large font header, highlighted in the bright red corporate branding colour of one of South Africa’s big four banks (Lets call them ASBA),  that greeted me when I opened my post recently. The purpose of the letter was to offer me the opportunity to apply for…

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  As mentioned on our Facebook page in January, the South African Reserve Bank recently raised interest rates for the first time in years. I wanted to take this opportunity to expand on the subject and to provide some practical insight on how this impacts your personal…

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  For the vast majority of us, looking after our finances should not be difficult from the perspective of being overly technical  or complicated – It merely involves getting the simple ‘stuff’ right. But the truth is that most of us find looking after our hard earned money very hard.

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I am contacted by many people during the course of the year who express a desire to set up an investment plan (retirement, kids education, wealth creation) but many do not follow through, in most instances, because ‘life just gets too busy’. So this holiday season why not sit down…

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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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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.