Financial Advisor
The million-dollar question for South African investors is the exchange rate. The reason for this is that 50% of the JSE’s overall earnings is now generated from overseas. A weaker rand translates into higher earnings and thus higher share valuations.
It is interesting to see how many people are beginning to look at their home as a retirement asset. There are two reasons for this firstly the average person nearing retirement is under-funded, in some cases their homes are their
I like to use the analogy of a pilot and co-pilot to describe the role / relationship between a financial adviser and the client. I have always considered the client to be the captain and the financial adviser the co-pilot
A recent Credit Suisse report revealed the best performing stock market since 1900 to be none other than our own ALSI. Hard to believe considering all the turmoil SA has been through over the last 116 years or maybe that
A bias is defined as; “Not logical or reasonable” “…tendencies to think in certain ways that can lead to systematic deviations from a standard of rationality or good judgment”. Recency Bias refers to our expectation for future returns based on
The rating downgrade is not the concern, but the reason for the downgrade is. Rating agencies primarily consider two critical factors when issuing a credit rating. Firstly, your ability to pay back the debt and secondly your willingness. How does
I was invited to spend a full day with arguably South Africa’s top asset manager; you go there with very high expectations hoping to get all the answers. These are the guys with the enviable track- record of consistently beating
If you do not want to erode capital in retirement your investment return must provide for both income and costs after inflation. If you’re drawing 5% income and the underlying costs are 2.5% then your investment needs to earn 7.5%
Risk is one of, if not the most misunderstood concept when it comes to proper investing. I hope to remove some of the confusion around the concept of risk by firstly covering the various terms used to describe risk and
The recent political rhetoric or should I say open warfare between the premier league a.k.a. Zuma and cronies vs. the reformists is heating up rapidly and likely to get a lot worse before the ANC elective conference in December. The