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The Wealth Perspective - Fourth Quarter 2020

15 December 2020

The Wealth Perspective - Fourth 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 relationship between risk, return and time. Head of Sales, Nirdev Desai, highlights how compound interest can help you reach your goals if you use the gift of time wisely. Jan van der Merwe, Head of Actuarial and Product, provides a summary of the investment products that can help you create wealth in a tax efficient manner. Head of Technical Support, Gerhardt Meyer, explains when you should start with your estate planning and how often you should review it. He also offers some insights about bolstering your retirement nest egg, no matter the stage of life you are in.

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Welcome to the latest edition of The Wealth Perspective

Etienne De Waal

Health is wealth – this throwaway phrase has now taken on a new significance and resonance after the year we’ve had. The impact of the coronavirus pandemic has been significant; this period has challenged how we think and operate. Many of us now have a greater appreciation of factors such as health, relationships and time, and many of us are also looking at wealth creation in a starkly different way. These are lessons from the chaos that we can use to do better now that we know better.

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A word from our CIO

Adriaan Pask

Understanding the impact of time on risk can make you a better investor

Your investment time horizon impacts your risk and returns – this is an often overlooked fact. While most investors focus on the risk-return properties of their securities or portfolios, factoring in the third dimension of time can help you make better investment decisions.

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Industry views

Nirdev Desai

When time is on your side

We are generally living longer and healthier lives, which means many of us will work past the traditional retirement ages. And with this longevity, we are in a better situation to allow compound interest to work its wonders. Time is the crucial ingredient that makes compounding of returns valuable, and a longer and healthier life gives you that gift of time.

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Estate matters

Gerhardt Meyer

The time for an estate plan is now

Proper estate planning ensures that your estate is set up in such a way that it benefits you during your lifetime and your beneficiaries after your death. We are often told that the sooner attention is paid to your estate, the less the frustration that will be paid by you and your loved ones. However, when exactly should you start creating an estate plan? And how often should you review it?

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Quarterly insight

Jan Van Der Merwe

Tax factors to consider on your wealth creation journey

Tax considerations generally add significant complexity to investment decisions. It is therefore useful to consult a financial adviser (and, in some cases, a tax specialist) when making decisions around tax. However, there are a few basic principles and specific product-related tax features that should be considered. This article provides a brief overview of these.

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Employee Benefits Insight

Gerhardt Meyer

How to boost our retirement savings at any stage of life

Saving for retirement is a lifelong process and over time certain factors might influence your ability to save. Everyone’s circumstances will be unique, however, there are a few life stages that most of us will go through. In this article we’ll have a look at these typical life stages and what factors you should consider during each of these stages.

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Estate matters

Welcome to the latest edition of the Wealth Perspective

Quarterly insight

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