Newsletters

Snakes and Ladders: Managing Your Money in a World That’s Lost the Rulebook What could a childhood board game possibly have to do with investment advice? Quite a lot, it turns out. Uncertainty has always been a feature of human history. But in recent years, the volatility has ramped up several notches. Change is everywhere,…

The “Grey Zone”: It’s Time to Redefine Retirement Retirement has long been seen as a binary switch: you worked until 60 or 65, and then shuffled off to live off your pension.  But so much has changed. Economic shifts, increased longevity, and the “fractionalisation” of the workplace have birthed a new era: The “grey zone”….

Your Year-End Tax Checklist: Smart Moves Before 28 February As we approach the end of the tax year, now is an ideal time to make a few strategic adjustments that can strengthen your financial position.  These steps are simple, high-impact, and designed to help you make the most of the tax incentives available to South…

Turn Intentions into Outcomes: Setting SMART Investment Goals for 2026 A new year can bring renewed motivation to take control of your finances. But vague ambitions like “I want to save more” or “I need to invest better” rarely lead to meaningful progress.  The most effective investors are the ones who set clear, realistic goals…

Thank you for your support during the year.Best wishes for the festive season and happy new year to all. Our offices will be closed from 25 December and re-open on 5 January 2026. The Psychology of Generosity Financial planning is often thought of as merely a numbers game. But while investment returns are an extremely…

Are You Financially Fluent or Just Faking It? Have you ever wondered why your career is flourishing, but the value of your investment isn’t? From keeping too much cash on hand and falling for “get rich quick” schemes to confusing wants with needs, many people unknowingly sabotage their financial future.  This article explores common money…

FOBO: The Silent Saboteur of Wealth Few threats menace the world of wealth creation as silently, and as corrosively, as FOBO: Fear of Better Options.  Unlike its impulsive cousin FOMO (Fear of Missing Out), FOBO doesn’t drive action. Instead, it whispers, “Wait. Something better might come.” And in that interval, wealth quietly departs. READ MORE…

Why Most Traders Lose Money – And Investors Don’t There’s been a proliferation of market trading apps in recent years, mostly backed by a message that making money through trading can be easy. The evidence, however, is quite the opposite.  In this article we look at why almost nobody makes money from day trading, and…

What Kind of Dog Investor Are You? In the wild world of investing, everyone has a bit of a dog in them. Some sniff out every opportunity, others guard their bones fiercely, and a few want a calm walk in the park.  The key is understanding your inner dog and allowing it to inform your…

Is There Ever Such a Thing as a “Normal” Stock Market? There is no shortage of things for investors to worry about at the moment, and the rate at which markets have swung up and down this year shows just how much uncertainty there is.  But how abnormal is what’s been happening? In this article,…