In the third episode of a six-part podcast series entitled “Emotions and Money”, Maya chats with Paul Nixon, head of behavioural finance at Momentum Investments, about the key behaviours that make a successful investor. They also look at the impact...
When we think about investing we typically think about our long-term goals such as retirement. But what are the options for short-term savings, where you will need the money in less than five years? This could be for a deposit on a home, saving for...
In this first episode of a six-part podcast series entitled “Emotions and Money”, Maya chats with Paul Nixon, head of behavioural finance at Momentum Investments, about “behaviour tax” ‒ the true cost of our poor investment decisions. What is...
In this podcast, Maya and Moroka Modiba, author of Think Yourself Rich, discuss how newlyweds should start managing their finances together, why a household budget is important, and the shared goals that need to be discussed. Moroka also unpacks...
When an investment promises a guaranteed return above what a cash investment would yield, chances are it's a Ponzi scheme. “Do you think this investment is legit?” That's a question I receive at least once a week. While it's great that people are...
Five investment analysts from FNB Wealth give their top stock picks for those wanting to put some money into equity markets. Last year was a tumultuous year in global equity markets, and while the JSE eked out a positive return in rand terms, it...
In this podcast, I chat to certified financial planner Wynand Gouws, wealth manager at Gradidge Mahura Investments and author of To 100 and Beyond. He argues that a retirement strategy aimed at optimising only pre-retirement tax savings is short...
Debra Slabber, Portfolio Specialist Director at Morningstar Investment SA, reminds us that investing is a long-term endeavour, and you should stop worrying about what you don't ‒ and can't ‒ know. Year to date investors have been fleeing from risk...
Have you ever wondered why the rich keep getting richer? It has a lot to do with compounding. This is where your money makes more money when you are doing nothing. For example, you have R100 000 in a unit trust fund which is invested in the stock...
On Thursday, the Monetary Policy Committee (MPC) decided to increase the repo rate by another 75 basis points (bps). The increase will see the repo rate increase to 5.50% per year. The decision was made on the back of the South African inflation...
Victoria Reuvers, Managing Director at Morningstar Investment Management SA, explains that you need to sit tight and stay invested through a bear market (when the market is falling) in order to achieve successful long-term returns. What is the secret to successful...
Roné Swanepoel, Business Development Manager at Morningstar Investment Management South Africa, knows that many investors are currently unsure as to what to do in these difficult markets. She recommends biting the bullet and staying the course. Two years after the...
Kyle Wales, portfolio manager at Flagship Asset Management, gets into the nitty gritty of how inflation works and explains why it is bad for economic growth. For the last year opinions around the future path for inflation have been divided into two camps. In the first...
Last month National Treasury announced a welcome new addition to its range of RSA Retail Bonds. RSA Retail Bonds are interest-linked investment products issued by National Treasury that provide attractive, above-market interest rates for those who want to save for up...
By now, we should all be aware of the tax incentives offered by government to encourage savings via tax-free savings accounts, but Jaco van Tonder, head of Advisor Services in South Africa at Ninety One, urges us not to forget the other tax incentives that we should...
Rehana Khan, Portfolio Manager in the 4Factor team at Ninety One, makes a case for investing in domestic rather than offshore assets at the moment. The increase in offshore investment limits to 45% for Regulation 28 funds not only provides a larger opportunity set for...
Since 2015, South Africans have been able to contribute to a tax-free savings account (TFSA). This account was introduced to encourage a savings culture in South Africa. Although the uptake of this savings vehicle has been relatively good, many people still don’t...
Mansoor Narker, Research & Investment Analyst at Glacier by Sanlam, analyses the possible effects that the Russian invasion of Ukraine could have on our investments. After weeks of amassing armed forces and supplies around the border of Ukraine, Russian President...
Sasfin’s chief global equity strategist, David Shapiro, recently celebrated 50 years of buying and selling on the JSE, and shares some valuable insights that he's gained along the way. When I was a recently qualified chartered accountant stepping onto the JSE floor on...
There is something very attractive about the idea of investing in “good” assets such as bees, macadamia nut trees and even lettuce. We know these are healthy for us to eat (plus bees are great for the environment) and we can make a decent return at the same time. It...