17

June

While recently browsing the business section of my local bookstore I was struck by the many books which titles begin with the words ‘How to…’ (‘How to invest’; ‘How to make millions’; ‘How to be like Warren Buffett; ‘How to blah blah blah’) and so it was quite refreshing to notice Barry Ritholtz (Co-founder, chairman, and chief investment officer of Ritholtz Wealth Management LLC) new book title, ‘How NOT to Invest’ which book I subsequently bought.

17

June

According to research conducted by Allan Gray, millennials—those individuals born between the early 1980s and early 2000s—tend to focus on saving for short-term goals but often overlook the importance of long-term financial planning, particularly for their retirement.  They tend to be more debt-averse when it comes to credit cards and large purchases like homes or cars. This caution is evident in lower rates of homeownership and delayed milestones like marriage and starting families, often tied to financial readiness rather than cultural expectations.

12

June

Watch our videos right here, we hope you find them educational and helpful.

11

June

My father is the reason I pursued a career as a financial adviser. Not because I was following in his footsteps, but rather because I followed his advice.

11

June

My pa is die rede hoekom ek ’n loopbaan as finansiële adviseur gekies het. Nie omdat ek in sy voetspore gevolg het nie, maar eerder omdat ek sy advies gevolg het.

11

June

One of the most important – and most misunderstood – aspects of investing is the cost involved. While much is said about fees, few investors truly understand how to interpret them or for what they are actually paying.

11

June

Een van die belangrikste aspekte van beleggings, en die een wat die meeste verkeerd verstaan word, is die koste wat betrokke is. Hoewel daar baie oor fooie gesê word, verstaan min beleggers hoe om dit te interpreteer of waarvoor hulle eintlik betaal.

10

June

Making sound investment and retirement decisions is one of the most important aspects of financial planning. Yet many individuals still follow financial advice without fully understanding the implications. While the guidance of an adviser is extremely valuable, it should always be accompanied by a clear, personal understanding of your options.

29

May

It’s one of the oldest clichés in the book – but when it comes to investing, few phrases ring truer. In the financial world, time isn’t just a measure; it’s a multiplier. Yet, many people underestimate just how much time – not timing – can influence long-term wealth. Time is the most valuable asset in your investment toolbox and harnessing it wisely can turn even modest savings into meaningful financial security.

29

May

Dis wel een van die oudste clichés in die boek, maar baie relevant wanneer beleggings ter sprake is. In die finansiële wêreld is tyd nie net ʼn maatstaf nie – dis ʼn vermenigvuldiger. Tog onderskat baie mense die groot invloed wat tyd – nie tydsberekening nie – op langtermynwelvaart kan hê. Tyd is die waardevolste bate in jou beleggingsarsenaal en as jy dit oordeelkundig gebruik, kan dit selfs ʼn beskeie spaarbedraggie in betekenisvolle finansiële sekuriteit omskep.

28

May

Dit is nie net markopbrengste of portefeuljesamestelling wat die uitkomste van langtermynbeleggings bepaal nie – beleggersgedrag speel ook ʼn geweldig groot rol. Trouens, navorsing toon deurgaans dat welvaart vinniger as gevolg van emosionele en gedragsfoute uitgewis kan word, as in die geval van ʼn ineenstorting van die mark. Die ironie? Die meeste beleggers is hul eie grootste vyand. Hier is ʼn paar van die mees destruktiewe gedragseienskappe wat portefeuljes skade berokken, in volgorde van belangrikheid:  

28

May

When it comes to long-term investing, it’s not just market returns or portfolio construction that matter — investor behavior plays a massive role in determining outcomes. In fact, research consistently shows that emotional and behavioral mistakes can wipe out wealth faster than a market crash. The irony? Most investors are their own worst enemy. Here’s a look at the most destructive behavioral traits that damage portfolios, ranked in order of importance:

29

April

As hard as it is to believe, we find ourselves in May once again. Each year around this time, I remind investors who rely on market myths and sayings to ensure that the actual data supports what they believe to be true.

01

April

As South Africa observes Youth Month, it is an ideal time to reflect on how financial literacy and strategic planning can help bridge the generational gap in managing and transferring wealth. Whether you are part of the older generation aiming to preserve and pass on your assets, or a younger family member seeking to grow and protect that inheritance, successful intergenerational wealth management requires more than investment knowledge – it calls for open communication, education and values-driven decision-making.    

01

April

Shares and derivatives each have their own distinct place in investing. In this article, I explore the differences between these two financial instruments and explain how investors can use these products effectively to reach their financial goals.  

01

April

The start to 2025 has seen a notable shift in market conditions, with volatility proving to be the only constant. Recent months serve as a stark reminder of how unpredictable markets can be, particularly in the face of geopolitical tensions, changing monetary policies, and broader macroeconomic developments such as tariffs. In such an environment, asset allocation and diversification are vital tools to assist investors in navigating market turbulence while aiming to reduce risks and capitalise on emerging opportunities.

01

April

In the previous edition of The Wealth Perspective, we explored choosing the right product (or investment vehicle) to support your journey towards your destination of financial freedom. However, the investment world also has various different investment instruments that form the underlying foundation of the product/s you select. In the same way as buying a car involves choosing a type of vehicle and then deciding on a specific brand or model, investing entails selecting both the type of product and its underlying investment instruments. The investment instruments refer to the types of funds or asset groups in which you invest.  

01

April

In this edition of The Wealth Perspective our chief investment officer, Adriaan Pask, shares some valuable insights on the basics of macroeconomic indicators. Head of Sales Thomas Berry explores the various types of asset classes and Head of Securities Wendy Myers sets out the differences between shares and derivatives. Legal Advice Specialist Mariska Redelinghuys describes how investors can plan a legacy to benefit generations to come, and Head of Actuarial and Product Linda Kleynscheldt explains the different types of investment instruments. To round off this quarter’s edition, Advice and Product Specialist Robyn Laubscher provides some useful guidance on making the most of engagements with a financial adviser.

01

April

Building a trusted relationship with your financial adviser is key to achieving your financial goals – after all, the relationship between client and adviser has some similarities to a marriage. The intention should be to forge a relationship that is life long and continues through generations. To make the most of the services a financial adviser provides, it’s a good idea to spend some time considering how to make the most of the time you spend with them.  

01

April

‘One day when I’m big!’ How many times have we uttered those words as children when dreaming about our future? And then, quite suddenly, we find ourselves ‘adulting’ and reflecting on the lessons we’ve learned and considering the legacy we will be leaving the next generation.