“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...
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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,”...
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...
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...
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...
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...
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...
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...
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...
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...
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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...
You lose money when you panic
“Uncertainty, volatility and complexity is always present in investment markets. It is not unique or rare in some way and it does not ‘rear its head’ like some kind of scary monster. The fact is that positive and negative price movements are common occurrences over...
Offshore investing in the middle of Armageddon
Over the last year investment gurus have told us to take advantage of a relatively strong rand and lower global valuations by investing offshore. Since then the world has gone pear-shaped once again with negative real interest rates, an investment in government bonds...
Are guaranteed funds meant for 30 year olds?
“What investments should one consider for a ten year period? The 10 year investments I took out with Old Mutual are in a smoothed performance bonus fund and optimised fund with guarantee,” asks Vaneshen Maya replies: In terms of the Old Mutual smoothed performance...
How to save R150 000 in seven years
"I am 23 years old and I earn R7000 a month. I want know where and how much to save so that I can buy a car worth R150 000 by the time I am 30 years old. I am thinking of buying a house too but I am tired of borrowing a car. At least my parents are still providing a...
Lessons on investing from John Mauldin
After listening to a very entertaining and informative talk by financial expert John Maudlin, who wrote EndGame a book on the global debt spiral, I was struck by how US/Euro centric his observations were. Yes we know the developed world is imploding but far too much...
Why the markets are so volatile
The rout in global financial markets is continuing, characterised by extreme swings of up to 5% in some markets. According to Dr Prieur du Plessis, chairman of the Plexus group and author of the Investment Postcards blog, there are a couple of reasons behind the...
Investors are ignoring value stocks
Geoff Blount, CEO of Cannon Asset Managers, shows that the market has all but abandoned value stocks over the last few years with most investment managers shifting their portfolios to more expensive growth stocks. This will have significant implications for investors...
Kicking off a financial plan with a lump sum
“I am ready to formulate a financial plan and want an idea of where I should be investing my money for a real return. Once I have my lump sum should I buy a property, purchase shares in a start-up company that looks very promising or invest in shares on the JSE?” asks...