Financial planning isn’t only about facts, figures and market returns. It’s a process that we follow to give you financial wellness which re-frames your wealth and perceptions to add meaning and joy to your life. Financial wellness provides you with a sense of security and very significantly, freedom of choice. Here are some of the…
Alarm bells have been ringing in homes around Cape Town and it’s not about day zero – it’s about the worrying rumour that property prices in our beautiful city are nosediving. Now, before you make any rash decisions as to whether to buy or sell – hang back, take a quiet sip of coffee, and…
Investors and the public at large will note with some anxiety the prospect of ‘land expropriation without compensation’ as a targeted policy by the ruling party. In this article we assess the potential outcomes of this policy on investor portfolios, and where both opportunities and threats may exist. A change to the Constitution The motion…
A large part of our fund research work focusses on trying to understand how a fund manager thinks. While most businesses want you to believe that it’s all about ‘philosophy’ or ‘process’, in reality it is people who manage funds and people who make investment decisions, not processes. Understanding the inner workings of the individual…
2017 was the year ethical failure dominated news headlines – By Fundhouse Cartoonist Zapiro described Jacob Zuma’s long-awaited exit as President of the country as the end of an error. But does this mean that in South Africa we can anticipate the dawn of an ethical era? Time Magazines Person of the Year for 2017…
Why you should never skirt the vital issue of Life Insurance Life insurance may not be a particularly pleasant topic of conservation but ignoring it is far more dangerous. Life cover is the first step towards a successful financial plan and is an absolute must for young up-and-comers. You simply have to ensure that your…
As time goes by, our financial goals evolve and change. When we’re young, most of us focus on specific goals that will help us to accumulate wealth. Then – as our golden years approach – we tend to shift our attention to wealth preservation and, ultimately, the successful transfer of capital to those we love.…
Choosing to downsize your home for retirement is a momentous decision, but it can be a very exciting process if managed well. It’s a financially savvy strategy that also gifts you more time, the greatest commodity of all. Remember that downsizing doesn’t mean downgrading. Lovingly pruning two rose bushes can be just as fulfilling as…
The start of a new year brings with it a fresh mindset with which to consider investment prospects for 2018. Over the course of any given year, and in particular such a politically and economically busy one such as 2017, it is easy to lose track of where we are as we filter the deluge…
When it comes to investing, we all like to think of ourselves as rational beings who are controlled by our heads and not our hearts. But even successful investors can let emotions lead the way with harsh consequences on our hard-earned wealth….. You may think that you’re one of the fortunate ones who can switch…
It’s hard to like the tax man, more so the one wearing the capital gains tax cap. Capital gains tax can come as a nasty surprise, but as it’s based on investment gains, it should actually be celebrated! Read on to find out how you can use the capital gains tax rules to your advantage. …