What is the risk, and can I do better? For many investors over the last few years, the predominant tendency has been to either invest in local money market funds or offshore cash markets. Investors have become more risk-averse and, in doing so, are seeking a conservative option for their offshore cash. However, they might […]
Putting your offshore assets into an insurance wrapper has the twin benefits of reducing your tax liability and making inheriting easier. Question: A few months ago, you talked about using offshore insurance wrappers to save on inheritance tax. We have some money overseas, from which we occasionally draw to supplement our South African income. If we […]
Understanding the fundamentals creates a solid investment foundation with better investment expectations. For those familiar with the game of golf, there is a saying “drive for the show and putt for the dough”. That simply means that a putt can either make or break you on a golf course, not necessarily how hard or […]
A good read compiled by Nedbank Investments especially applicable during this lock down period about managing your emotions and staying invested. Continue reading
Watching the value of your investment tumble over the course of just few days can be a painful experience. The global market crash that we’re experiencing has been unlike anything most seasoned investors have seen before, in its speed and severity. So if you’re new to investing, you certainly wouldn’t have seen an equity sell-off […]
Mitigating biases: stick to a sound investment plan. Avoiding volatile investments can produce a potential return and may save a significant amount on one’s wealth at retirement Many investors make decisions based on emotional biases that undermine the chance of meeting their investment goals. This is the second in a two-part series considering the risks […]
Investment decisions can easily be driven by emotions and chance. Time in the market, rather than timing the market, is far more valuable to investors Since investors rarely behave according to financial and economic theory, behavioural finance has grown over the past twenty years. Most investors know that emotion affects the way in which investment […]
An excellent youtube clip of equity returns relative to inflation. Clip by Corion Capital
A key question is whether an investment in cash is going to help you achieve your long-term objective. Equities have been under pressure for a while, which has skewed the traditional risk-return dynamic in asset classes. Typically, cash is on the conservative end, with lower risk, but also lower return prospects, while assets such as […]
The financial aspects of our lives can be vast and overwhelming, so it’s easy to understand why it causes confusion, or perhaps anxiety and distress. The task of managing your personal wealth can be broken down into many little pieces, and key among them, whether you’re an experienced investor or just starting out, is to […]