Financial Advisor
Establishing if you have enough for retirement is a fairly simple exercise of determining how much income you need to fund your lifestyle and then calculating how much capital is required to provide for this income using an assumed rate
Now that the hype and fanfare has died down a bit, I would like to discuss tax free fee savings accounts (TFSA), which were introduced 1 March of this year. TFSA allow taxpayers the opportunity to save R 30 000
Only the wisest and stupidest people never change. Confucius They say the only constant in life is change. This is nowhere more apparent than in the world of investing where things change daily. How must the average investor cope with
It seems appropriate this week, given the global issues at play, to address the concept of stock market risk. The financial service industries accepted definition of risk is that of volatility, which is the up and down movements (deviation) from
Don’t congratulate yourself or berate yourself too much your choices are half chance. This is one of those great wisdoms of life, which can be applied to every aspect of your daily living including your investment successes and failures. Hindsight
The American financial planning industry is currently running a campaign to promote retirement savings. In typical US fashion it’s all about ‘hitting the number”, having enough capital in order to retire. I was reminded by a new client the other
The recent white paper on retirement reform has prompted many financial advisors to try and qualify / quantify their value proposition in order to substantiate their fees. However financial advice is not a simple commodity, which can be compared, priced
The current rules governing the taxation of retirement funds provides for a legal tax avoidance scheme for the very wealthy to consider. This is why: Retirement funds pay no tax; that is no income, capital gain or dividend tax Non-tax
In the game of chess the most insignificant piece on the board is the pawn. The pawn has limited options for maneuverability only able to move in one direction and often sacrificed for the bigger game plan. As a South
The latest edition of Noseweek carries a story titled, “BUBBLE TROUBLE. A South African economic meltdown is imminent, warns the analyst who forecast the last global financial crisis”. The problem with sensationalist journalism / predictions like this is that the