Spotlight on American banks
Again – American Banks It has been a whirlwind start to the month of March 2023, where bank failures in the US sparked global investor panic. Two banks, Silvergate and Silicon Valley Bank (SVB), reported losses due to bond sales required to service significant deposit withdrawals. Customers started to panic because of this, which led […]
Kollig op Amerikaanse banke
Weereens – Amerikaanse banke Dit was ‘n warrelwind begin van Maartmaand 2023, waar bankmislukkings in die VSA wêreldwye beleggerspaniek ontketen het. Twee banke, Silvergate en Silicon Valley Bank (SVB), het verliese gerapporteer weens verbandverkope wat nodig is om beduidende deposito-onttrekkings te bedien. Kliënte het paniekerig begin raak as gevolg hiervan, wat gelei het tot ‘n […]
Disciplined investing – Five principles to follow
What does investment discipline mean to you? Having a long-term investment plan on its own is not enough. Cultivating the right behaviours is integral to achieving your long-term outcomes. You need to stick to a few core principles to achieve long-term success. Despite our best intentions, many of us focus on the wrong things. We […]
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 […]
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 […]
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 […]