What if Results Turn Out Better Than Expected in Retirement?
Retirement planning is usually about making sure you have enough money to last. You build a nest egg, work out how much you can safely withdraw, and try to protect your income against the uncertainties of markets, inflation and longevity.
But what happens when things go better than planned, and your portfolio grows rather than shrinks? Then it’s time to push the fears aside and seize the day…
Estate Planning is Much More Than Just a Will
According to a new study, South African families are largely underprepared for the administrative implications of the death of a loved one. The results are deeply concerning.
In this article, we look at what goes into estate planning, why it matters, and how to make sure you are prepared.
Back to Budgeting Basics: Spend Less on What Matters Less
Mention the word “budget” and enthusiasm tends to go up in a puff of smoke. The B word suggests fewer dinners out, cheaper holidays and the uncomfortable business of working out where last month’s money went.
Budgeting is usually presented as an exercise in cutting back. But used properly, a budget can reveal how much is going towards things we barely value anymore … Often at the expense of things we would much rather be doing.
Market Update: The Everything Bubble Is Back. What It Means for Investors
Five years after meme stocks and Special Purpose Acquisition Companies (SPACs), the Everything Bubble has returned. This time it is more concentrated, more leveraged and more dependent on a single theme: AI.
September’s bond-driven sell-off shows how exposed stretched markets are to rising interest rates. For South African investors, already nursing a 4.5% slide on the JSE this month, the challenge is to remain invested without getting caught up in the fallout.