I recently drove ~1500km with only my own thoughts and a few audible books to keep me company; what bliss and a lot of time to solve problems. The one problem that resonates with me is that we usually know exactly what to do, or what not to do, and we still falter....
I am grateful for the privilege to have had a solid upbringing, attend a good school, graduate from two quality universities, and to get thrown into the deep end of a large credible institution at a young age where I gained invaluable learnings. I also had some...
Do you have tax fatigue? There is relief for savers. A tax-free savings account (TFSA) is exempt from tax on capital gains, interest and dividends. TFSAs were introduced in 2015 to incentivise and encourage household savings. TFSAs are ideal for long-term investors or...
Let me borrow and translate a verse from my favourite Afrikaans rock band Fokofpolisiekar’s song, Tygerberg Vliegtuig:“All the instructions they give us. Work, get married and have children. And possibly then suffer from depression. Someone has to ask why. Someone has...
Lyrics from the Clash’s hit, “…you got to let me know, should I stay or should I go?” rings so true for investors and their money during these unprecedented times, either in pursuit of better returns or to hedge against South African specific risk. A handful of...
Unit trust investments, whether made directly or underlying to another financial product like a living annuity, have one certainty, and that is the impact of the fees that you pay. The rest, like your return or the level of volatility, remains completely uncertain. In...
“Never invest in something you don't understand” - Warren Buffett With an official savings rate of -0.2%, South Africans are not saving at all. This is due to various factors, such as an overall poor savings culture, low incentives to save, or restricted access to...