Insights
Two Pots: What Should You Do with Your Retirement Fund if You Change Jobs?
According to the US Bureau of Labor Statistics, the average person stays in a job less than four years. Most people will switch employers multiple times. This might mean you have more opportunities to boost your salary and career prospects, but it also means you’re triggering many decisions about what to do with your retirement savings. Let’s look at how the “two-pot” retirement system has changed resignation rules for fund members, and break down your options when moving to a new job.
Market Update: What the US Bond Sell-Off Means for South African Investors
US Treasury yields hit their highest levels since 2007 in August, highlighting that investors are losing their patience with the US’s mounting government debt exposure and failure to bring inflation down to its target.
Usually, the US’s woes become South Africa’s. But remarkably, domestic assets haven’t been caught up in the sell-off so far. The attractive carry trade is holding up the bond market and strengthening the rand. The question is how long the good times can last.
Private Credit Is Having a Moment
Private credit is booming. But what does it mean for you and me? Once associated with high-risk lending, private credit has evolved into a sophisticated, institutionalised market filling gaps left by traditional banks. Understanding why it’s growing, and who’s driving the demand, offers a useful window into how global markets are changing, even if you never invest in private credit yourself…
When Risk No Longer Feels Risky
After years of market turbulence followed by surprisingly resilient recoveries, many investors are asking an unexpected question: “Am I being too cautious?”
Let’s look at how recent experience shapes our perception of risk, why discipline still matters, and the role thoughtful financial advice plays in keeping emotions from driving investment decisions.
Why Are More People Building ‘Career Insurance’?
For a long time, a second income was a nice-to-have: a “side hustle” that brought in some extra spending money, or was a way to express your interests and creativity outside of work. But it is increasingly becoming something entirely different: ‘career insurance’.
In this article we look at a profound shift in how people think about a second income, and why it is becoming more critical.
Market Update: Why Markets Keep Finding Their Way Back to the Same Place
This year, just about everything that could go wrong has gone wrong. But despite the turmoil markets have shown remarkable resilience. Time and again, investors have been confronted with events that seemed destined to derail global growth, only for fundamentals to reassert themselves. As wars, technology, and economic policy continue to pull markets in different directions, one question remains: why do markets keep ending up in almost exactly the same place?
Making the Most of Your First Paycheck
Earning a first paycheck is a big step in anyone’s life. The value of that money in your bank account goes well beyond just the financial. It’s a significant psychological shift. It is a moment of great opportunity, but also one fraught with challenges. In this article we look at how to navigate your first salary and to optimise it for your future like a seasoned financial architect.
The Highest Return on Investment May Not Be Financial
We all know investing is about building wealth over time. By saving consistently and investing prudently, we aim to lay the groundwork for long-term financial wellbeing. But the most fulfilled people are not always those who have accumulated the greatest amount of wealth. More often, they are those who feel that their skills, resources and experiences have become part of something larger than themselves.
What Does Financial Planning Look Like if You Don’t Have Kids?
For generations, financial planning followed a familiar script: build a career, buy a home, raise a family and, eventually, pass wealth on to the next generation. While that path still resonates with many, modern lives are far more diverse. The reasons for not having kids may differ, but the financial question is often the same: if your wealth is not destined for children, how can it best enrich your life, reflect your values and leave a meaningful legacy long after you are gone?
The Ultimate Gift: Maximising Your Child’s TFSA from Day One
They say that nothing comes for free, but for South African investors there is an exception. Tax-free savings accounts give investors tax-free growth on their money, making them a powerful wealth creation tool.
They are most powerful when they are given time to work their compounding magic. In this article, we examine just how incredible the results can be if you open one for a child the day they are born.
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