Newsletters

Three Pot System 101: What You Need to Know Before 1 September We’re ready to help you navigate the “three-pot system,” (often referred to as a two-pot system) which will be implemented on 1 September this year. This change in the law is meant to help you harmonise your long-term savings with short-term financial agility,…

Why the Marshmallow Effect Could Derail Your Retirement Plans The “marshmallow effect” gets its name from a fascinating 1960s experiment which used marshmallows to test preschoolers’ ability to delay gratification.  In financial planning, delayed gratification means resisting the temptation to spend money immediately and instead saving or investing for future benefits. This article explains how…

How the Elections May Impact Markets in the Months Ahead South Africa’s momentous elections will impact financial markets for months to come, we just can’t predict how. Even if an investor-friendly coalition is agreed in the next week, you can still expect plenty of ups and downs.  Foreign investors may dip in and out based…

Do You and Your Partner Share the Same Money Values? Money can be one of the most contentious issues in a relationship. Yet often couples don’t think about where they agree about financial matters and where they don’t. Understanding your partner’s money values and how they align with your own should be as much a…

The Secret to Solving the Financial Rubik’s Cube? Consistency. All it takes to excel at something – whether it’s mastering the ukulele, poaching the perfect egg or learning to solve the Rubik’s Cube – is consistent practice and dedication.  When it comes to financial planning, the simple concept of consistency is equally effective.  Read on…

Budget 2024: What it means for you While the budget has been largely viewed as prudent, there were few surprises and little in the form of good news for individuals in Minister Godongwana’s speech.  Although there were no major tax proposals and no major tax rate hikes announced, bracket creep and increases in sin taxes…

Is There Really Much Difference Between Investing and Gambling? If you pay attention to dictionary definitions you’ll know that investing and gambling are almost polar opposites. But this doesn’t mean there aren’t loads of so-called investors who behave far more like gamblers … Especially when it comes to the expectation of profit in the face…

How to Avoid Getting Burnt by the Next Investment Bubble in 2024 It’s not just speculative assets like cryptocurrencies or meme stocks that can be prone to bubbles. Think of the dot com bubble crash of 2002. The internet is here to stay – but many of the companies investors bet on back then are…

How to Give Meaningful Gifts This Festive Season Let’s face it. We’ve all got more than enough stuff. No one you know wants another pair of socks or a new set of ramekins. And even your kids (or grandkids) don’t really need any more material possessions. But it’s the festive season and it’s only natural…

Retiring Well is About More Than Money Making sure that you have enough money to see you through retirement is a vital part of your future planning. But it shouldn’t be the only part. A holistic approach to thinking about your future should also consider your overall wellbeing, and particularly the challenge of loneliness that…