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Money Matters Blog – Introduction

Money Matters Blog – Introduction

Money Matters is a bi-weekly financial advice column that Mark has been writing for the District Mail, the local newspaper in the Helderberg, since 2001. We see this column as part of our corporate responsibility work as most of the

mw@dmin June 30, 2016September 23, 2016 Uncategorized Read more

Will retirees’ capital last entire stretch?

Will retirees’ capital last entire stretch?

This week I would like to focus on the term capital income, which is usually used to describe the taxable portion of a capital gain realised.  However, the term capital income is also applicable in retirement planning.  Let me explain

mw@dmin April 1, 2021April 1, 2021 Personal Finances, Retirement Read more

Emotional investors need good advice

Emotional investors need good advice

Allan Gray asset management recently came under fire in an article, in which the author opined their recent poor relative performance.  The author, who will remain nameless as I think he may have been looking for publicity,  blamed the disappointing

mw@dmin February 25, 2021February 25, 2021 Investment Risk, Investment Strategies, Investor Behaviour, Market Drivers Read more

Last March’s panic selling is a loss one will never recover

Last March’s panic selling is a loss one will never recover

The price of generating real above inflation returns by investing in the share market is accepting the inherent volatility associated with equity investing.   Investors must remember that short-term price volatility is not the risk per se. The risk is how you

mw@dmin February 11, 2021February 11, 2021 Investment Risk, Investor Behaviour, Market behaviour Read more

Cash is now showing itself to be trash

Cash is now showing itself to be trash

For 3 years now cash has been masquerading as the King.  But I am sad to announce,  “the King is dead, long live the King!”  The reason I say masquerading is the fact that cash can never rule for long

mw@dmin January 28, 2021January 28, 2021 Cash, Investment Strategies Read more

Proper Investor’s input is best  

Proper Investor’s input is best  

Harry Markowitz developed Modern Portfolio Theory, which theorized that investors could design a portfolio to maximize returns by accepting a quantifiable amount of risk.  In other words, investors could reduce risk by diversifying their assets and asset allocation of their investments using

mw@dmin January 14, 2021January 14, 2021 Investment Risk, Investment Strategies, Investor Behaviour Read more

Here’s looking forward to the mirror image of 2020 for 2021

Here’s looking forward to the mirror image of 2020 for 2021

Driving to Cape Town on the N2 last week I witnessed a young lady come to near standstill as she turned her head around to look-in her back window in order to check on approaching traffic before changing lanes.  This

mw@dmin December 10, 2020December 10, 2020 Investment Strategies, Market behaviour, Market Drivers Read more

Beware TINA!

Beware TINA!

The tile of this week’s article sounds more like a tropical storm warning than a warning to investors, which may be appropriate given that TINA can be just as devastating on your wealth as a category five hurricane when making

mw@dmin November 26, 2020November 26, 2020 Equities, Market Drivers Read more

Covid-19 causes K-shaped crisis

Covid-19 causes K-shaped crisis

The recent COVID-19 crisis should be a reminder that sh…t happens and the importance of stress testing your personal finances.  The shape of the recovery is best described by the letter K  with the upward sloping arm of the K

mw@dmin November 17, 2020November 17, 2020 Investment Risk, Investment Strategies, Market behaviour, Market Drivers Read more

Better returns over the next five years

Better returns over the next five years

As it turns out my crystal ball really works.   Unfortunately, I only realise that now after going through all my articles written in 2013 when the crystal ball correctly predicted the lousy returns of the last 5 years.  Of course,

mw@dmin October 29, 2020October 29, 2020 Hello world, Market behaviour, Market Drivers Read more

Do nothing is the hardest rule of all to get right

Do nothing is the hardest rule of all to get right

Guru investor Terry Smith,  founder of the phenomenally successful Fundsmith in the UK, has a remarkably simple investment philosophy based on three investment rules: Invest in a good business Pay a fair price for the business Do nothing! I will

mw@dmin October 15, 2020October 15, 2020 Investment Risk, Investment Strategies, Investor Behaviour Read more
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