“The only constant is change.” (Heraclitus) Stock markets everywhere have been on a bit of a rollercoaster in 2025. Uncertainty around interest rates, geopolitical instability, and the unpredictability of US trade policy have made for a bumpy ride. For any investor, these constant dips and gains can feel unsettling, even irrational. But before labelling…
“Piglet noticed that even though he had a Very Small Heart, it could hold a rather large amount of Gratitude.” (Winnie the Pooh, by A.A. Milne) The tax-free launchpad for young futures With a bit of planning, retirement fund members can ensure that, in the case of their own death, their minor children benefit from…
“Marriage is the chief cause of divorce.” (Groucho Marx) Retirement savings typically account for a substantial portion of a person’s wealth. When a marriage ends, these savings can become a serious bone of contention. The good news is that, starting 1 September 2024, the definition of pension interest will be standardised across all retirement funds.…
2025’s perfect storm began with President Trump exhibiting his trademark unpredictability, announcing sweeping tariffs that sent markets into a tailspin in April. When tariff fears peaked in April, the S&P 500 sold off as much as 17.8%, while the Nasdaq suffered an even steeper 23.4% decline from its highs. Oil futures fell to four-year lows…