Whilst the previous article (“As a South African, what are your concerns?”) was still being prepared to be posted on the IIB website, disaster, only a few kilometers away from PE, was wreaking havoc among 75 homesteads in St Francis. This type of calamity (which presents in many different forms and circumstances) we have all, …
Fire wreaking havoc among modern homesteads in St Francis Bay Read More »
As a South African, what are your concerns? If they are of a financial nature, e.g. Life Assurance, Disability Protection, Income Protection, Motor, Home, Business Protection, or saving/investing for/at Retirement or any other purpose – INSURED INVESTMENT BROKERS is an unbiased, fully transparent independent brokerage able to offer appropriate professional advice and a selected range …
Compounding occurs when investment returns are added to your original investment and these additional amounts then start generating returns as well. Over time, you therefore earn returns on an increasingly larger investment, which magnifies the growth of your savings. In fact, Einstein himself referred to the effect of compounding as the “most powerful force in the …
All economies move in cycles: good times follow bad times which again follow the good times. The trend over time is upward. Though each cycle will have its own unique characteristics, depth and duration, the chart below presents a simplified view of the business cycle. Below the chart is an explanation of the four typical …
A person drawing down from their investments can choose from a number of different withdrawal strategies. One popular strategy is to set aside enough cash at the beginning of each year to meet that year’s spending requirements. The cash set aside earns money market interest rates at very low risk, while the rest of the …
Sanlam Besigheids- en Professionele Markte, Ekonomiese Oorsig : September 2012 Klein sakeondernemings, het dikwels hoë rathefboom-verhoudings en is geneig om tydens periodes waar rentekoerse skerp daal en groei sterk versnel, goed te presteer. Een voorbeeld is die tydperk vanaf middel-2003 tot en met laat in 2007 toe die reële Bruto Binnelandse Produk (BBP) groei gedurende …
Let us consider what Dawie Roodt has to say here about “Confessions of an unreconstructed neo-liberal fundamentalist” and follow his views in the next four editions of his newsletter which will be “dedicated to his plan for the economy”. This should make for both interesting and thought provoking reading – which, coming from Dawie, is …
Confessions of an unreconstructed neo-liberal fundamentalist Read More »
Prof. Matthew Lester addresses a topic here which, over a number of years, has become a taboo subject matter for many investors and would-be investors. I can fully understand why, but I would hasten to caution that you re-evaluate your personal standpoint on this important matter against the backdrop of – past and present – …
Back in 1696 the then Bank of England was facing financial strain. To rectify the situation, King William III instituted a Window Tax. Under the new tax, each house would pay tax based on the number of windows that it had. In theory this tax was well conceived. It was easy to assess (counting the …
DWT is a tax on dividends received by a shareholder and is a ‘withholding’ tax. This means that the entity paying the dividend must subtract the tax from the dividend and withhold the tax before paying the net dividend to the shareholder. Click here to read more …..
The low interest rate environment is not helpful to people who are dependent on income, plus a high degree of capital stability. A favorable alternative to money market funds, i.e. Cash Plus Funds, could possibly be considered for providing stable income or stable yield to investors seeking returns in excess of money market funds without …
According to Delphine Govender, portfolio manager, Allan Gray, “We know for sure that we don’t know where the South African stock market might move to in the short term”. What we also know for sure is that there are a number of “Key investing truths” which we would be well advised to be mindful of. …
My advice to my clients as well as prospective clients is – please do yourselves a good act and read these simple truths presented here by Money Marketing about investing. The contents bear out what I often emphasise in my practice to clients and which, unfortunately, are not always acted upon – to their own …
We hear a lot nowadays about the importance of avoiding a conflict of interest, and a recent court case illustrates, somewhat dramatically, the effects of an unresolved conflict. This case is Elena van Niekerk v Kathleen van Niekerk and the Master of the High Court 2011 (2) SA 145 (KZP). Mr Basil van Niekerk divorced …
The danger of appointing an Executor who faces a conflict of interest Read More »
It is often required of me to “educate” new clients to understand just how important it is to approach their financial planning from a holistic point of view and not from a single need, product driven point of view. Holistic planning takes more time, but it is the right thing to do if you’re serious …
A single professional financial advisor is the future of financial planning Read More »
