Checking your portfolio too often is a fast way to hurt long term returns. If checking your investment portfolio was a sport, many South Africans would qualify for the Olympics. Gold medal in Over-Monitoring, silver in Emotional Decision-Making, and bronze for “I Panicked and Sold at the Bottom”. Let’s get something out of the way […]
Investing success comes from timeless habits and steady principles, not predictions. The deeper principles that shape disciplined, long-term success, and how to apply them in your own strategy. The world’s greatest investors often distil decades of experience into a single line that endures long after market cycles fade. Yet, beneath these familiar quotes lie principles […]
True financial wellness comes from balancing today’s quality of life with tomorrow’s security. A balanced financial plan isn’t about perfection, but harmony; adapting, reviewing and rebalancing as life unfolds. One of the most enduring tensions in financial planning is finding equilibrium between living well today and preserving security for tomorrow. At first glance, it may […]
From believing planning is for the rich to thinking debt is always bad, these common misconceptions can quietly erode long-term financial security. Wealth isn’t built on comfort or chance – it’s built on discipline, clarity and intention. Financial planning is often misunderstood, even by successful investors who pride themselves on making rational decisions. Beneath the […]
Understanding how your money is earned, spent, and invested empowers you to make informed decisions. Financial wellness is more than just having money in the bank. It’s about creating a stable, secure, and fulfilling life. It intersects with physical and mental well-being, forming a foundation for long-term peace of mind. Whether you’re just starting your […]
A well-planned retirement isn’t just about savings – it’s about balancing life expectancy, spending needs, and diverse income streams for long-term financial security. When people ask, “How much do I need to retire?” it’s tempting to look for a simple answer. Rules of thumb, like saving 25 times your expenses or following the 4% withdrawal […]
Retiring from a retirement fund marks the shift from accumulating savings to drawing an income. Choosing the right annuity for your unique circumstances can be complex, with numerous factors and variables to consider. This decision requires careful evaluation to ensure your retirement capital effectively supports your financial needs and goals. Should you take a cash withdrawal? […]
South Africa’s retirement funding industry is highly regulated, complex, and challenging to navigate independently. Knowing the differences between retirement fund vehicles and their tax implications is crucial for building a well-structured portfolio aligned with your needs. In this article, we take a closer look at these vehicles, their benefits, and the legislation that governs them. […]
Following a systematic approach towards managing your finances for 2025, we would suggest that you do the following: Draw up a budget The first thing you need to do is draw up a budget. You need to know how much money is coming into your household each month and how much is going out. You […]
Renowned economist Dawie Roodt shared his economic outlook for 2025 – including interest rate cuts, inflation, the NHI and where investors should be putting their money. Daily Investor asked Roodt to share his thoughts on how South Africa’s economy will fare in the coming year. Where economic growth is concerned, Roodt explained that he expects […]