How two groups of professional women have used an investment club to build their own wealth If you have an existing savings club with a group of friends that you want to take to a new level, starting an investment club to build wealth is a great...
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Where to keep emergency funds?
“As part of one’s personal financial plan, I believe in having 3-6 months living expenses saved up and easily accessible in case of an emergency. “My wife and I have saved extra funds into our mortgage bond and estimate that the value of the...
Group saving bank accounts
If you form an investment club you will still need to have a bank account for the group in order to collect money and pay out withdrawals. Speak to your bank about the best account for your needs. These bank accounts are specifically aimed at...
Investing your Batho Bonke windfall
ABSA’s empowerment deal, Batho Bonke (BB), is unwinding at a very interesting time for investment markets. All local asset classes apart from cash have delivered excellent returns over the past year, the stock market is at all time highs, and...
Borrowing to study
It is that time of year when many students will be selecting their courses for the year. In an ideal world one would have saved enough to pay for one’s studies, but unfortunately this is seldom the case and most students need to consider taking a...
The secret to money is already in your pocket
Old Mutual’s On The Money financial management programme, which targets mainly lower-end to middle income earners, helped me understand that the secret to being financially independent does not lie in earning a lot of money, but rather in learning...
Cost effective investing
A study by international fund rating agency Morningstar showed that the best indicator of outperformance by a fund was low costs. It is however often the cost of accessing that investment rather than the actual management fees that really hurts...
Now is not the time to blow your windfall
This month some households will experience a financial boost with either a bonus or a tax-rebate. Many South Africans have become used to having bonuses and tax refunds as an expected additional income instead of an ‘unexpected extra’, and...
No value to be found in local listed property industry
Local listed property in South Africa is overpriced at current levels and investors should avoid the industry until prices are reduced to fair value. This is according to John Rainier, property analyst at value asset manager, RE:CM, who says the...
Investment clubs are a good way to learn about investing on the JSE
If you are new to investing on the JSE and are looking for a good way to get your feet wet or you feel more comfortable learning about investing with others than on your, you can start a share club where you research companies and to discuss...
Previous Articles
RSA retail savings bonds as an investment
“Are RSA retail bonds still a good choice of investment over a 3 or 5 year period. And what interest rates are the offering at this stage?” writes Peter who is 65 years old. Maya replies: If you are simply comparing interest rates to a bank deposit then the RSA retail...
RSA retail savings bonds as an investment
“Are RSA retail bonds still a good choice of investment over a 3 or 5 year period. And what interest rates are the offering at this stage?” writes Peter who is 65 years old. Maya replies: If you are simply comparing interest rates to a bank deposit then the RSA retail...
RSA retail savings bonds as an investment
“Are RSA retail bonds still a good choice of investment over a 3 or 5 year period. And what interest rates are the offering at this stage?” writes Peter who is 65 years old. Maya replies: If you are simply comparing interest rates to a bank deposit then the RSA retail...
RSA retail savings bonds as an investment
“Are RSA retail bonds still a good choice of investment over a 3 or 5 year period. And what interest rates are the offering at this stage?” writes Peter who is 65 years old. Maya replies: If you are simply comparing interest rates to a bank deposit then the RSA retail...
Q&A: Buying Capitec
"I'm sitting with some cash and would like to invest it so I can get good returns on it. I have no knowledge of the investment game but I am looking at a long term investment. I've noticed the buzz around Capitec Bank and I would like to ask you if it would be a good...
Retail vs construction industry
Geoff Blount of Cannon Asset Managers looks at the relative valuations of Mr Price and the construction industry in 2007 and in 2012 with some remarkable conclusions. At Cannon Asset Managers, we have always believed that the price you pay for an investment is the...
Billions of rands paid out by employee share schemes
Due to significant increases in share prices, some participants in company share schemes are receiving payouts of hundreds of thousands of rands. If you are one of those lucky individuals, you need to use this opportunity to build your wealth base and also consider...
Global IT and consumer stocks looking overpriced
A price bubble appears to be developing in the global IT sector, led by Apple Inc, while traditionally defensive sectors like consumer goods and health care are also looking very expensive, according to Craig Chambers, MD of Dibanisa Fund Managers. Meanwhile,...
How risk affects your investment performance
Whenever you read anything about investing you hear words like volatility, risk and growth assets but how exactly does this affect your investment returns? There are two types of investors: one group is very risk averse and prefers to stick to cash-like investments...
Choosing the right retirement home
Most people when they retire opt to sell up and buy into a retirement home, as these offer a range of amenities, security and a social life with people of similar ages. There are a range of options available, varying from luxury retirement villages with every...