It's no secret that inflation is set to rise. This is bad news for everyone, but especially for pensioners, who need their retirement savings to generate an adequate real return while preserving capital, or at least minimising the risk of loss....
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Jargon buster: absolute return funds
Rob Zagey, manager of fund research and development at Stanlib, explains what Absolute Return Funds are. "Absolute Return Funds are unit trust funds that use a variety of investment strategies to accomplish the following: Target a return over a...
Why socially responsible investing affects you
The environment wasn't the only thing to suffer with BP's oil disaster. Investors – including more than 1 000 institutions that owned portfolio stock in BP to the combined asset value of $2,7-trillion – took a serious hit. BP lost more than half...
What should be in my financial plan?
Pay off debt: It is always best to pay off high interest debt like your credit card. If you want to use your credit card for convenience set up a debit order so that it is paid in full at the end of every month. Emergency fund: Everyone should have...
How do I start investing?
You need to take your personal circumstances into consideration but here are some points to consider: Beware of cash: Over time cash will not keep up with inflation so unless you are only saving for one or two years, it is best to invest in a...
Deciding between a unit trust or an ETF
I recently wrote about how a R200 a month investment became worth R35 000 by just investing investing in Satrix 40, an index-tracking exchange traded fund. I mentioned that the returns could have been even better if I had selected one of the top...
The secret to creating wealth
Earlier this week I was interviewed on radio about savings accounts for children. I related a story about the savings account I opened for my son -- a story I have written many times. For the last eight years I have invested R200 a month into...
