“The power of compounding reflects the principle that small, consistent improvements yield disproportionately large results over time.” (Morgan Housel) In his book The Psychology of Money, Morgan Housel makes a great observation about Warren Buffett: more than 97% of...
Market Update: Our Survival Guide for Investors in 2026
January offered investors an early stress test for 2026. A rapid succession of geopolitical shocks, policy surprises, and market reversals left portfolios swinging sharply between risk-on and risk-off. Far from an anomaly, this turbulent start may well be a preview of...
Turn Intentions into Outcomes: Setting SMART Investment Goals for 2026
“If you want to live a happy life, tie it to a goal, not to people or things.” (Albert Einstein) Every investment journey starts with good intentions. You want to save more, protect your future, care for your family and give yourself the life you want to lead. But...
Are You Financially Fluent or Just Faking It?
All that glisters is not gold.” (William Shakespeare, The Merchant of Venice) 1. Cash ain’t king Let’s cut to the chase: cash is not optimal for long-term investments. While it is the safest asset class, shares, property, and commodities generally produce better...
FOBO: The Silent Saboteur of Wealth
“In the face of too many choices, we often choose nothing—and pay dearly for it.” (Barry Schwartz, The Paradox of Choice) Everyone knows about FOMO. But have you even heard of FOBO, let alone contemplated how it might be kaiboshing your wealth...
Why Most Traders Lose Money – And Investors Don’t
“Patience is not simply the ability to wait – it’s how we behave while we’re waiting.” (Joyce Meyer) In recent years, there’s been a huge increase in advertising for market trading apps. These adverts all have two things in common: Firstly, they show someone making a...
AI & Us: A Smarter, Smoother Wealth Journey
“By 2045, we will have multiplied the intelligence, the human biological machine intelligence of our civilization a billion-fold.” (Ray Kurzweil) Imagine that your financial planners (that’s us) possess a superpower: the ability to scan global markets in seconds and...
What Kind of Dog Investor Are You?
“In investing, as in life, it’s often better to be the patient retriever than the anxious terrier. Be steady, focused, and wait for the right opportunity.” (Inspired by Warren Buffett) When it comes to investing we’ve all got a bit of dog in us. But what breed are...
Is There Ever Such a Thing as a “Normal” Stock Market?
"The only constant is change." (Heraclitus) Stock markets everywhere have been on a bit of a rollercoaster in 2025. Uncertainty around interest rates, geopolitical instability, and the unpredictability of US trade policy have made for a bumpy ride. For any investor,...
The US and You: Why What Happens in America Impacts Your Portfolio
“The markets are like weather; you may not like it, but you have to bear it.” (Rakesh Jhunjhunwala) South African investors don’t need to follow every twist in American politics or economics, but you can’t ignore them either. The world’s biggest economy casts a long...


