What are ETF’s What are the benefits of using ETF’s What are some of the shortfalls of ETF’s Potential…
Ideas About Money
This original content is my way of sharing ideas and concepts which I believe will help you to make a success of your financial life. You will get insight into how I think and consequently what I focus on trying to do well when helping you to reach your objectives.
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Is ‘average’ ever a good thing?
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…
Stealth costs that are legal
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…
Predictions, Forecasting and Experience
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…
The chicken or the egg?
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…
Striking it Rich
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…
Investing for income – Updated
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…
Retirement in numbers
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…
The four letter word in investment planning
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…
The impact of fees on your investment returns
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…