Environmental, social, and governance (ESG) refers to the three factors in measuring sustainability and the ethical impact of an investment. Every company we invest in affects, and is affected by the environment, functions within a wider, diverse society, and requires governance. The Environmental factors focus on how a business responds to issues such as climate …
What is ESG and why does it matter for investors? Read More »
The financial year end in February is approaching, and it is time to review your current financial situation and optimize the tax breaks granted to you. The following options are available: Retirement Annuities:One of the most effective tools in tax planning is Retirement Annuities (RA’s). You can benefit from the following significant tax benefits: The …
“What is the difference between a taxidermist and a tax collector? The taxidermist takes only your skin.” – Mark Twain Mark Twain was not the biggest fan of the tax collector, but who is? He also uttered the famous words: “The only certainties in life are death and taxes”. While we don’t have any control …
Difference Between a Taxidermist and a Tax Collector? Read More »
There are so many options of where to invest your hard-earned money, but it is really important to consider, understand and maximise the impact of tax in the different investment vehicles. It is also important to advise everyone according to his or her own personal needs and goals and to optimize tax concessions and benefits …
Indien daar nog iemand is wat kon glo dat finansiële beplanning vir die toekoms sonder enige Black Swan gebeure moontlik is, is wreed ontnugter oor wat die afgelope dae internasionaal gebeur het. ‘n Mediese ontdekking van ‘n nuwe virus deur knap medici in Suid Afrika het veroorsaak dat ons internasionaal geisoleer en gevolglik ekonomies benadeel …
Where are you? The starting point in any journey is to know exactly where you are. In this instance you need to know the state of your finances. In simple terms- what are you worth? Assets – Liabilities = Net worth Where are you going? A successful journey has a clear end. What does this …
5 Questions you should be able to answer about your finances. Read More »
I read a great article from Debra Slabber from Morningstar Investment Management, comparing saving for retirement to running a marathon. While most of us (me included) have not completed a marathon, we can all take the lessons from another endurance race or difficult university degree to compare to saving retirement. Hope you enjoy the article …
The parallels between running a marathon and saving for retirement. Read More »
Most investors don’t realise that they already have offshore exposure if they are invested in a Multi Asset/Balanced Fund. Most of these type of funds will allocate a portion of the fund towards offshore equities, cash and bonds. Another way that you may have offshore exposure is through owning shares in big multinational companies listed …
Driving on the N1 South towards Johannesburg on a summers morning should provide you with a beautiful view of Sandton and Johannesburg. This might have been the case years ago, before the effects of Global Warming turned that exact picture into one of smog. As a country we have a long way to go in …
In these very uncertain times where people are bombarded with bad news, I believe it’s necessary to change the focus from fear to faith in every area of our lives. The definition of fear is the following: it is an unpleasant, nagging feeling triggered by the perception of danger, real or imagined. Does that sound …
