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"The beauty of debit orders is that they make investing a habit, not an afterthought." (Warren Buffett) We’re all human – which often means being emotional and not consistently disciplined. Debit orders remove the emotion from investing and encourage responsible...
“Our greatest motivation in life comes from not knowing the future.” (Thomas Frey) Investing is an exercise in uncertainty. When you make any investment, you are taking a bet on the future. This can be a hard thing to do. Markets move up and down, economies shift, and...
“I'll tax the street, I'll tax your seat, I'll tax the heat, I'll tax your feet.” (Adapted from Taxman by The Beatles) 1. Why do I have to pay CGT in the first place? Following a worldwide trend, South African authorities introduced CGT in 2001 to broaden the tax...
RAs: The big one Retirement Annuities (RAs) offer significant tax breaks as contributions to the investments are tax-deductible, and the growth within the funds is tax-free. You can contribute a maximum of 27.5% of your taxable income to retirement funding each...
“Focussing is about saying no.” (Steve Jobs) What is the point of investing? In simple terms, there are only two reasons to invest: To save for a specific goal like sending a child to university or taking a holiday. These are finite targets with clear time frames. To...
“A life of luxury sounds nice, but generational wealth sounds better.” (Unknown) As the old adage goes: “The first generation creates wealth, the second generation preserves wealth, and the third generation squanders it!” Our goal is to prevent this. If you’re...
“A big lesson in life is never to be scared of anyone or anything”. (Frank Sinatra) If you were born between 1946 and 1964, you are part of the Baby Boomer generation. This generation is known to be flexible and robust, having lived through many bulls and bears over...
What will markets do in 2025? An annual ritual is underway at the major Wall Street investment houses: predicting exactly where the S&P 500 will finish the next calendar year. This mission is impossible — but that hasn’t stopped teams of well-trained strategists...
“If your compassion does not include yourself, it is incomplete.” (Jack Kornfield) There’s a common question financial advisers get asked when discussing life insurance: “Why should I give up some of my income when I am alive so that my family can be rich when I am...
"If you want something done right, do it yourself" – (Unofficial motto of Gen X) Gen X is the somewhat enigmatic generation group wedged between Baby Boomers and Millennials. Born from 1965 – 1980, they’re currently between 45 and 60 years old. What’s in a name?...