US stock markets are again toying with bear market territory, now off more than 18% from their January peaks. Renewed concerns about still-hawkish central banks and the energy crisis unfolding in Europe have seen the benchmark S&P 500 Index decline 18.2% to date and the Nasdaq slide a hefty 30%. Risk aversion gathered pace in […]
The success of any resilient, all-weather portfolio lies in the waiting. We were all hoping for a bit of a breather going into 2022. But as if the pandemic wasn’t enough for all of us, the year so far has proven to be very eventful. The year started with the Russian-Ukraine conflict, rising interest rates […]
We often get the question; “Why do some clients achieve better investment returns than others?” While we don’t believe that there is a silver bullet – each of us is unique after all; we do think that the following dos and don’ts shared with us by financial advisors help to explain why some investors do […]
Volatility won’t disappear; it’s about how you manage it. The below is from an interview between Ciaran Ryan and Adriaan Pask, chief investment officer at PSG Wealth. CIARAN RYAN: Volatility is one thing that is certain about markets and is part of every person’s investment journey. While market swings can be uncomfortable, they should not distract […]
The rate at which the COVID-19 virus has spread globally has left many investors feeling understandably nervous. Equities have fallen dramatically since the start of the outbreak, with the FTSE/JSE ALSI falling 33% in the past 30 days (as at 19 March 2020). Bonds haven’t fared much better either, with the yield on the SA […]
Are you a South African citizen with interests offshore? Perhaps you have a home in Spain? Or a business in Italy? Offshore assets make wills more complicated. This situation calls for careful estate planning with the right people on-the-ground. This Wills Week, David Thomson, CFP Senior Legal Planner at Sanlam Trust, gives insights into estate […]
Having debt can keep you awake at night, regardless of whether it’s the good or bad kind. Although learning about money and financial responsibility is a life-long process, there are some things we may wish we had known sooner. The bank is not your dad: Borrowing money from mom or dad is very different from borrowing […]
Question:- Because the performance of South African equities has been so poor in the past three years, I’ve been putting my savings into cash investments to avoid losses. Should I leave it there? I’m saving for longer-term goals like my children’s university costs and retirement. Answer:- You may be pleased with your decision to have […]
Research shows that parents’ attitudes to finances play a big role in determining how a child will grow up to manage money, so it’s wise to get savvy about the subliminal signals you might be sending. Here are five must-dos for involving your kids in money matters: Start by getting them to understand the concept […]
Most parents want to leave their children a legacy, but what if you could leave your children a secure retirement? A retirement that they never have to save a cent towards and that is completely tax free? According to Nic Andrew, executive head of investments at Nedgroup Investments, this is exactly what would happen if […]