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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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In September I wrote an article on potential income investing options. (Investing for Income -Sep 12) The opportunities for real  returns, or returns after being adjusted for  inflation, were slim at that time. There have been some significant moves since…

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There are three types of people in the world: Those that make things happen; those that let things happen; and those who look back and ask, “What happened?” I am not entirely sure of the source of that quote but it is rather apt when it…

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R-I-S-K Understanding risk, and what is meant by risk, is essential in determining an appropriate investment strategy and in managing your own expectations when it comes to investing. The concept of risk is difficult to define as it encompasses a broad range of notions and can mean different things to…

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The fees charged by the investment management industry are notoriously vague and often expensive despite the changes in legislation and regulation to combat this. The debate between a basic flat fee service and a service based on commission structures features regularly in personal finance discussions. There is a train of…

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We find ourselves in an environment of low interest rates as a result of the global financial crisis and the subsequent actions of global central banks to try and stimulate faltering economies. If you are borrowing money as a company and in some cases as an individual it…

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Your future becomes your present…

A plan is simply a way to bring your future into the present so you can do something about it.