“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…
Turn your policy into an investment by: 1) Assuring its continuity and pay-out certainty, by checking if you have Paid Up Standard offered by Discovery Life. (This feature ensures you stop paying for whole of life cover from age 65, but cover remains fixed for whole of life. Ts&Cs apply). 2) Adding Cash Conversion which…
“Gold is the universal language understood by all nations.” (George Herbert) Just a few weeks ago, the gold price climbed above $2,500 per ounce for the first time in history. This has once again got South Africans talking about the attractiveness (or otherwise) of gold as an investment. Gold is probably one of the easiest…
On Thursday, 7 February 2019, the President of South Africa, Cyril Ramaphosa, delivered his second State of the Nation Address (SONA) since taking office on 15 February 2018. Ahead of the event there was a lot of media speculation (locally and internationally) and debate about the likely content and tone of Ramaphosa’s speech, especially ahead…
In this newsletter, we discuss human behaviour and how biases and pride may work very hard against achieving financial freedom in retirement. We look at loss aversion, lifestyle creep, and very importantly how to manage your salary increase. It’s those little changes in our behaviour, such as implementing a debit order auto-escalation for investment contributions,…
