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The Wealth Perspective - Second Quarter 2020

07 July 2020

The Wealth Perspective - Second Quarter 2020

Welcome to the latest edition of the Wealth Perspective

In this edition of The Wealth Perspective, Chief Investment Officer Adriaan Pask looks at the real threats to wealth creation and how you can combat them. Head of Sales, Nirdev Desai, highlights the importance of having a financial plan that can adapt to your realities while following a long-term investment strategy. Grant Meintjes, Head of Securities, explores the benefits investors can gain by looking at investment opportunities offshore. Head of Technical Support, Gerhardt Meyer, outlines the key issues business owners should focus on when planning their business legacy. He also cautions against early withdrawals from retirement savings to remedy short-term financial challenges. Jan van der Merwe, Head of Actuarial and Product, provides a summary of the investment products that would be appropriate to meet your savings and investment goals at every stage in life.

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Welcome to the latest edition of The Wealth Perspective

Etienne De Waal

July has been tagged National Savings Month by the South African Savings Institute (SASI) to encourage South Africans to cultivate a culture of saving. Given our current economic situation, many people are under financial pressure and may feel they can only focus on the now — surviving from month to month — rather than planning for the long term. However, it is these uncertain times that teach us the importance of having a savings buffer in tough economic times. For those that can save, it is important that they use all the instruments available to improve their long-term financial sustainability. Having a short-termism mindset is the reason why many households do not have an emergency lump sum saved or adequate retirement savings.

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A word from our CIO

Adriaan Pask

The three threats to growing your wealth

When faced with economic and market crises, which usually wreak havoc on returns over the short term, investors can all too quickly lose track of what the real enemies of wealth creation are. While we understand that extreme spikes in volatility cause concerns among investors, these are not the biggest threats you should be wary of.

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Industry views

Nirdev Desai

Adapting your financial plan because of a pandemic?

As a pandemic wreaks havoc across financial markets, investors can become overwhelmed and anxious about the future. The uncertainty, coupled with constant negative news, may cause investors to make emotional investment decisions. However, while it’s understandable to be concerned during such turbulent times and you should have a financial plan that can respond to changing circumstances, a savvy investor should always approach their investment strategy with a long-term lens.

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Investing and trading

Grant Meintjes

A world of opportunities – investing offshore during a pandemic

At the start of the COVID-19 pandemic we saw global markets rocked to their core, as borders closed, industries shut down and global growth forecasts turned negative. The pandemic and its accompanying volatility have highlighted how important it is for investors to use all tools available to them to protect their wealth and grow their savings. And investors are no longer bound by the restraints of investing in a single market or asset.

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Estate matters

Gerhardt Meyer

Business legacy planning

If you are a business owner, estate planning takes on an even more important dimension. Your business may be the only income your family has, and if you pass away, they may have to manage a business with no previous experience or possibly lose the business and its value. What should you consider?

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Quarterly insight

Jan Van Der Merwe

Aligning your savings plan to your life stage

In the middle of a crisis it can be difficult to quiet the storm. However, you must keep sight of your long-term goals and ensure that your financial plan will continue to appropriately meet your needs as you move through life. This article provides an overview of the various life stages and an outline of some investment products that may be suitable for each stage.

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Employee Benefits Insight

Gerhardt Meyer

Raiding your retirement fund in a crisis?

Do you have an emergency fund set up or any investments available in case of a crisis? Or are you eyeing your retirement savings to close the gap? There are serious pitfalls to raiding your retirement fund prematurely. Which is why it is important to have other savings pools that you can use in short-term emergency situations.

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