The crash of 2008 and the Great Recession
Two decades after the crash of 1987, the world saw another major conflagration in equity markets, caused by a global credit crunch led by the collapse of various debt instruments linked to property (the sub-prime crisis). This followed a sustained 20-year rise in asset prices. The Bull Run that effectively started in December 1987 (after […]
Vrese oor finansiële onsekerheid
Ek dink ek is soos heelwat ander mense oortuig dat die meeste spanning by mense veroorsaak word as gevolg van finansiële redes. Dit vorm so ‘n belangrike kern van ons daaglikse bestaan dat die meeste van ons besluitneming meesal bepaal word op grond van die beskikbaarheid en die versameling van finansies. Daar is diegene wat […]
Beleggingskeuses by aftrede
Met hierdie artikel raak ek seker een van mees sensitiewe besluite aan wat diegene wie naby aftrede is moet neem. Onthou ons praat altyd van verpligte fondse (beleggings wat val onder die Wet op Pensioenfondse) en diskresionêre fondse (gewone spaargeld). Vir die oefening hieronder verduidelik ek net die opsies van verpligte fondse. Kom ons kyk […]
Afsterwe van ‘n broodwinner
Bogenoemde gebeur meestal met ‘n skok, daar is egter gevalle waar lang siekbeddens hierdie gebeurtenis voorafgaan en sekere stappe dan geneem kan word om die situasie te verbeter, want om dit dan eers heeltemal te probeer regstel, is meestal onmoontlik. Of ons nou hiervan hou of nie, of wegskram of eerder uitstel om voorbereid te […]
11 Secrets of irresistible people
Some people, regardless of what they lack – money, looks, or social connections – always radiate with energy and confidence. Even the most skeptical individuals find themselves enamored with these charming personalities. These people are the life of every party. They’re the ones you turn to for help, advice, and companionship. You just can’t get […]
9 Habits of profoundly influential people
1. They think for themselves Influential people aren’t buffeted by the latest trend or by public opinion. They form their opinions carefully, based on the facts. They’re more than willing to change their mind when the facts support it, but they aren’t influenced by what other people think, only by what they know. 2. They […]
Lewensversekering: Wat jy behoort te weet
Bykans alles wat ons vandag koop, bied oneindige keuses, so ook met lewensdekking, ongeskiktheidsversekering en dekking vir gevreesde siektes. Die volgende punte behoort egter aan u ‘n riglyn te verskaf met u besluitneming tydens die uitneem van hierdie versekering. Ek raak elke punt net kortliks aan om sekere punte uit te wys en dit is […]
Life Insurance: What you need to know
Almost everything we buy today, offers endless choices, as well does life insurance, disability insurance and critical illness cover. The following points should, however, provide you with a guideline to your decision-making when taking out this insurance. I hereby briefly point out some important issues to remember when considering life insurance policies and it does […]
To be able to retire – or not ….
We as Financial Planners receive the following question so often from clients and potential clients that I decided to prepare this article to clarify the matter. There is unfortunately no alternative to these calculations as I have not come across one situation in 31 years of practice where this loss was made up through normal […]
Om te kan aftree – of nie ….
Ek ontvang so dikwels die volgende vraag van kliënte dat ek dit goedgedink het om hierdie dokument op te stel om die aangeleentheid uit te klaar. Daar bestaan ongelukkig geen alternatief hiervoor nie aangesien ek die afgelope 31 jaar nog nooit ervaar het dat die verlies opgemaak is oor die oorspronklike termyn deur ‘n normale […]