One of the more common questions that readers ask is “which fund should I invest in”. They often provide a list of funds and hope that some crystal gazing will allow them to select that fund which will outperform all others. However, your future...
Starting an investment club
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...
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...
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...
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...
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...
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...
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...
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...
Previous Articles
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...
Five tricks to reduce your home loan
Homeowners can reduce the term of their home loan and the total that they pay in with careful budgeting and clever tricks. A house is usually the biggest asset that you will buy in your lifetime, but it's made affordable by the 20-year term of monthly repayments. Most...
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...
South Africans may soon be able to invest in unit trusts tax free
In an effort to improve household savings which have declined over the last fifty years from over 6% to a negative 0.05%, National Treasury has made proposals which will allow investors to invest in a range of investment products tax-free. These products will include...
Stop doing dumb things with your money
There are two questions I am always asked by fellow journalists. Firstly why on earth did I leave the lucrative world of stock broking to become a journalist and secondly as a journalist why don’t I write about shares and the markets. The simple answer is that all of...
Why money is different for women
With so many articles and books written about "women and money" one may ask the question as to why we have this focus on “women and money” -surely money is gender neutral. The reality is that despite all the advances women may have made in the workplace, they remain...
What to expect when you are expecting
“What to expect when you’re expecting”, the latest American blockbuster that was released in South Africa in June this year, put the spotlight on the journey by parents-to-be as they prepare to become parents for the first time. This is both an exciting and...
How financially healthy are you?
PODCAST How do you measure your financial health? By the amount you earn or the amount you save? Does your sense of financial wellness come from the car you drive and the house you live in or do you measure it by the amount of emergency savings you have and whether...
How to invest in risky markets
Every time we open the newspaper, switch on the radio or watch TV we are inundated by information on the imminent collapse of Europe and the impact it will have on global growth. As a result stock markets across the world are extremely volatile so share prices are...
Starting a property portfolio
Isaac shows how with discipline and a goal it is possible to build up a portfolio of properties on a limited salary that will one day pay you an income. It is important however to make sure that you do not over extend yourself and risk losing your entire investment....