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State of the nation

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…

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Implications of land reform for local investors

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…

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Newsletter March 2018: Live Cover Essentials

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…

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As TIME goes by

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.…

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Newsletter Dec 2017: Investor Biases

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…

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