When should you start saving for a carefree retirement?
I get asked so much about the willingness and when to start saving. When is the right time to start or at what age should you start saving? The answer is always yesterday, but it’s not going to work, the second answer is today which is feasible, and the worst is when you hear the […]
Wanneer moet jy begin spaar vir ‘n sorgelose aftrede
Ek kry so baie die vraag oor die bereidwilligheid en wanneer om te begin spaar. Wanneer is die regte tyd om te begin of op watter ouderdom moet jy begin spaar? Die antwoord is altyd gister, maar dit gaan nie werk nie, die tweede antwoord is vandag wat haalbaar is en die slegste is as […]
Haal emosies uit u beleggingsbesluite
Ongelooflike studies is al gedoen oor die onderwerp hoe mense se emosionele besluite hul finansiële welvaart nadelig beïnvloed, veral verkeerde besluite op die verkeerde tyd. Ons is almal mense en dit is doodnatuurlik dat ons reageer volgens dit wat ons hoor, in die koerant lees of selfs sien. Die waarheid is egter dat die suksesvolle […]
Remove emotion from your investment decisions
Amazing research has already been done on how people’s emotional decions negatively effect their financial well-being, in particular incorrect decisions at the incorrect time. We are all human and it is natural to react according to what we hear, read in the newspaper or see for ourselves. The truth is rather that successful investors in […]
Die ses stappe in die finansiële beplanngsproses
Vandag skryf ek oor die prosesse wat gevolg moet word in Finansiële Beplanning. Hierdie ses stappe vorm die basis van dit wat die Finansiële Beplanningsinstituut van sy lede verwag tydens die Finansiële Beplannings Proses. Selfs die Fiansiële Diensteraad verwag dat volledige rekords van hierdie prosesse bygehou moet word sodat tussengangers aan die Wet op Finansiële […]
The six steps in the financial planning process
Today I am writing about the processes that must be followed in Financial Planning. These six steps form the basis of what the Financial Planning Institute expects from its members in terms of the Financial Planning Process. Even the Financial Services Board expects complete records to be kept of this process so that intermediaries comply […]
Risikoprofiel of beleggingsmandaat
Hierdie week wil ek graag ‘n paar idees met u deel oor ‘n strooihalm in die beleggingsbedryf met die naam risikoprofiel. Ek noem dit ‘n strooihalm, omdat dit in die tradisionele vorm bykans van geen nut is nie. Sedert die koms van die Wet op Advies en Tussengangersdienste op 1 Oktober 2004 word daar voortdurend […]
Risk profile or investment mandate
This week I would like to share a few ideas with you about a red herring in the Investment Industry called risk profiles. I call it a red herring because it, in its traditional form, is of no real value. Since the appearance of the Law on Financial Advisor and Intermediary Services on 1 October […]
Hoe beskerm is u effektetrust beleggings
Dit is seker een van die moeilikste keuses om te besluit waarin om te belê. Die belangrikste is om te onthou dat u in enige produk hetsy in ‘n vrywillige belegging of ‘n belegging wat resorteer onder die Wet op Pensioenfondse kan belê deur middel van effektetrusts met dieselfde wetlike voordele as die tradisionele beleggings […]
How safe are unit trust investments
It is surely one of the most difficult choices to decide where to invest. The most important thing is to remember that you can invest in any product, whether a voluntary investment or one which resides under the Pension Funds Act, through Unit Trusts with the same legal benefits as you receive with traditional investments […]