The discussion document issued by National Treasury on Strengthening Retirement Savings demonstrates that Treasury has a good handle on the issues within the retirement industry, however the challenge will be in finding solutions that are not...
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Creating wealth from your first holiday job
How a 22 year old accumulated R360 000 through saving and investing. A wise man once said that thrift is a form of income. What he meant was that it is what you do not spend rather than what you earn that will determine your wealth. Twenty-two...
CFD’s rise from the ashes of single stock futures
Since its peak in 2008 the single stock futures market has fallen from around R60 billion open contracts at any one point, to around R2bn today. Maya Fisher-French explores the demise of the single stock future industry against the rise of CFD’s...
The power of the debit order
A monthly debit order is undoubtedly one of the most powerful investment tools. It creates a savings discipline as it goes off your account before you have spent your money on consumables. But now studies show that, rand cost averaging, which...
SA resource shares looking attractive
Paul Stewart, managing director of Plexus Asset Management looks at the opportunity to invest in resource stocks. In the current global economic climate, solid growth is a rare phenomenon. And where growth exists, it tends to be more prevalent in...
Trading across the globe
A new online trading platform makes it possible to trade shares across the world Do you want to invest in companies that make all the cool stuff you use like Apple, Google and Facebook? The launch of a new global trading platform makes it possible...
Why the dividend tax should be reviewed
The announcement of a 15% dividend withholding tax came as a shock to all investors earning dividends, despite Treasury’s claims that it should have been expected. The rate came in 50% higher than market expectations and there was very little...
Offshore asset allocation
“I want to invest offshore and I'm considering Allan Gray's Orbis Funds. Should I go for full equity, a medium equity or for 0% equity exposure?” writes Vaneshen Maya replies: In terms of offshore, the investment guru’s all believe that equities is...
Where to save in retirement
“My husband and I were not able to save towards our retirement as we would have wished, but now, at ages 73 and 74 we have both been able to find employment and have been saving as much as we can. Where can we invest with reasonably good interest...
Where should I invest each month?
“Where should I invest my R5000 per month? Should I save the extra cash for a deposit on a property? Distribute the money across my unit trusts? Save into an ETF (domestic or offshore), buy shares online or increase my monthly RA contribution,”...
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Build up a property portfolio or diversify into other assets?
“My primary residence is fully paid off and I recently purchased a second property which I would like to pay off in the next 5 years. I have an extra R100 000 in a money market account, should I put that into the rental property plus an extra R2000 per month and pay...
Top stock picks for 2012
Alwyn van der Merwe, director of investments at Sanlam Private Investments (SPI) puts his head on a block and gives his top shares for 2012. Anglo American is our top pick for 2012, with the company on the road to recovery, a balance sheet once again in good health,...
How to learn to trade without losing money
Fin24’s new product, Dashboard (www.fin24.com) is perfect for the novice who wants to know how to pick shares, how to interpret the figures in a portfolio and when to buy or sell, all using virtual money. So you can have the experience of exposure to the market...
How to trade forex for free
So many people have been caught out by the “get rich quick” advertising of foreign currency trading platforms and have failed to do their homework properly. If you really want to get into foreign currency trading, you can do it for a faction of the cost. Last year we...
SA investment managers go shopping abroad
The unresolved European crisis may have markets reeling but it is creating an opportunity for South African investment managers to bulk up on cheap assets in developed markets. In the last few months major South African investment managers have announced new...
What to expect from your financial adviser
If one of your New Year's resolutions is meet with a financial adviser and put a financial plan in place, you need to know exactly what you can expect from your adviser. Financial adviser Warren Ingram who was nominated as the FPI 2011 Financial Planner of the Year...
Four shares for the Christmas stocking
Adrian Saville, CIO of Cannon Asset Managers, suggests shares to buy with your December bonus I have been using the Samsung I9000 Galaxy for the past year and I am hooked. Given the incredible agility and resilience of this device, together with its affordability, it...
Credit crunch II – coming to a bank near you?
Jeremy Gardiner, director, Investec Asset Management looks at the risks of another credit crisis and what it means for SA What a difference a year makes. Back in November 2010, South Africans were still basking in the glory of a world-class World Cup, summer was on...
Get free advice
The Financial Planning Institute of Southern Africa is hosting a Consumer Clinic, supported by the South African Savings Institute (SASI) as part of their Festive Seasons Campaign initiative. They will provide you with an opportunity to get free financial planning...
Why it is not worth paying for a guaranteed return
Nico Coetzee, Executive: Business Development at PPS Investments explains why an investment guarantee is no guarantee at all A guarantee is generally an assurance that sets us at ease when choosing how to spend our money. Most of us won’t mind paying a little more for...