“Our ability to manufacture fraud now exceeds our ability to detect it.” (Al Pacino) If you’re anything like us, the chances are you’ve recently heard about someone in your circle who’s fallen prey to an internet scam. Enticed by glossy marketing, unbelievable...
What is a Power of Attorney and is it Forever?
“The number of cases of dementia is estimated to almost triple by 2050.” (World Health Organisation) Although the actual prevalence per capita of dementia is reportedly on the decline, aging populations ensure that it is becoming more and more of a problem in society...
Amid Trump Turmoil, Diversification is the New Safe Haven
“The only certainty is that nothing is certain.” (Pliny the Elder) For decades, US Treasuries (government bonds) and the US dollar have been the world's primary safe-haven assets. Investors have been able to rely on them to hold their value due to America's status as...
What is Risk?
Investors talk a lot about investment risk, but nobody seems to be able to define exactly what it is. While we don’t need to precisely calculate risk, understanding it is essential to sound investment decision making. So, how should we think about it? Risk means more...
How Fit Are You Financially?
“He who has health has hope; and he who has hope, has everything.” (Thomas Carlyle) Doing a financial health check can sound like a daunting idea. But it needn’t be. Just checking a few simple things can give you a good idea of whether you’re financially healthy and...
Should You Have a Second Will for Your Overseas Assets?
“Only put off until tomorrow what you are willing to die having left undone.” (Pablo Picasso) If you own assets outside South Africa, you may have wondered: Is my local will enough? This is a question many South Africans are asking, and the answer will depend on your...
6 Signs it Might be Time For Business Owners to Pivot
“The measure of intelligence is the ability to change.” (Albert Einstein) Change can be uncomfortable and often we humans love to avoid it. In business, however, being brave enough to embrace change could be the difference between going under or thriving. All business...
Does Your Debt Die With You?
When the final note is played, debts become a part of the legacy shared. (Anonymous) Debt’s journey Unfortunately, your debts don’t evaporate when you pass away. But there is a silver lining as they don’t typically hitch a ride to your family either – unless they’re...
Could You Be Over-Insured?
"Too much of a good thing can be bad. After all, you can drown even in clear, clean, pure water." (J. Grant Howard) While long-term insurance is important in any financial plan, you may unknowingly be paying for more cover than you need. This is particularly possible...
Market Update: Tariffs, Tariffs, More Darn Tariffs
Since returning to office in January 2025, President Donald Trump has implemented a sweeping series of tariff measures – the latest of which is a 30% tariff on South African exports to the US. These decisions have sent shockwaves throughout the global economy and...


