Category Archives: MARKET

As we build businesses and seek to create various income opportunities, we are always confronted with the challenge of pricing. It’s a challenge because all of our situations are different. Those with qualifications and experience often charge more for their time. But it’s not a sure way to work out billing and costs; sometimes peopleContinue reading “How much time is your money worth?”

Whilst intentional reflection may happen at the end or beginning of a year or personal growth journey, unintentional reflection happens all the time. And, we barely notice it, most of the time. But, several times a week, if not several times a day, we measure ourselves against something or someone; we’re either measuring ourselves againstContinue reading “Setting benchmarks”

“As you slide down the bannister of life, may the splinters never point the wrong way.” Irish Blessing When everything is going right, we often feel that something is about to go horribly wrong. Sometimes, it’s helpful to smile at our human traits and do all we can to avoid derailing our plans! It’s soContinue reading “Don’t derail your finances”

One of the biggest challenges with change is that it can be overwhelming. There are many reasons why we might be averse to constant change, but when it is just simply too much all at once, we will find ourselves overwhelmed and in this space, our ability to make healthy decisions is seriously hampered. TheContinue reading “Avoid being overwhelmed by change”

In a recent article from Morningstar, they raised two excellent points about measuring financial success. Like so many of us, Morningstar believes that great investing advice means understanding our hopes, dreams, and ideals to determine what really matters. It doesn’t just focus on the finish line — it focuses on the journey. Great advice canContinue reading “How do you measure financial success?”

Have you ever heard someone say that you need to make your money work for you? It seems like an impossible achievement for many of us because we immediately think we need a stack of dollar bills to leverage this strategy. And, that’s not entirely incorrect. We do need a large sum invested, but weContinue reading “What’s an annuity?”

Somehow, despite all the messages to be kinder to ourselves, we have this predisposition to put ourselves down. Along the line, the early messages of “You can do better” become “You’re not good enough.” We live in an age where the focus is on self. As we scroll through social media, we see countless selfies,Continue reading “The best place to invest”

At the very surface level of constructing a financial plan, the journey can feel linear. We begin with what we have and plan to move towards an end goal of ‘having enough’ and being financially independent. But this is not where financial planning ends; it’s just the toe-dipping beginning as we gain courage and confidenceContinue reading “Levels of financial dependence”

“How much should I be charging my clients?” This is a common question as we work with an increasing number of people setting up their own businesses. In the wake of a radical economic downturn, our creativity and necessity to generate an income spark new business ideas. The entrepreneurial spirit begins to take centre stageContinue reading “Charge what you’re worth”

Have you ever gone down the #Fintwit rabbit hole? According to fintwit.ai, #Fintwit is a vibrant community of investors on Twitter, who tweet trading ideas, active trades, personal portfolios and well thought out insights about financial securities. Millions of investors around the world are increasingly using Twitter to stay abreast of the financial market andContinue reading “Six areas of financial planning”

How do you decide on the better of two products you are not really familiar with or can’t visually tell the difference? For example – I had to buy a new cellphone charger the other day, and there were two options – one was two-thirds the price of the other, but both were reasonably pricedContinue reading “The higher the fee, the better the value?”

When we experience our first crisis, we think our world is about to end. It could have been our first unrequited love when we were 12, a rejection letter from an application when we were barely out of our teens, bad news from the doctor or an accident that leaves us dealing with a deepContinue reading “Déjà vu?”

There’s a rare object known as a tuit. It’s a special gift to keep for yourself, but also has great value for your friends and family. Tuits, especially round ones, will generally have a note or inscription along the following lines: This is a Round Tuit.  Guard it with your life! Tuits are hard toContinue reading “A round tuit – and a bit about dread disease cover”

For many years we’ve been having better conversations about retirement. It’s no longer a matter of finding a job, staying in it for 40 years, and then retiring for fifteen years under the assumption that the company pension scheme will finance that entire period for us.  It simply doesn’t work that way anymore. Finding aContinue reading “Have you been offered early retirement? (Part 1)”

If someone is selling something, their primary goal is most often to convince you to buy what they’re selling. If you follow financial accounts on social media, your timeline is likely crowded with people touting the next big winning investment. As we look back on market history, there is an obvious attraction to finding theContinue reading “A powerful mental trick to master the markets”

The fastest way to lose half of your money is not a stock market crash but a divorce, separation or a poor business decision (so it’s a good idea to make sure you’re on the same page with your partner when it comes to joint finances.) Many have felt disheartened by the stock market inContinue reading “How does the stock market work?”

One of the challenges of financial planning is its complexity. Not only is it mathematically layered, but it’s also fraught with bias and emotional influence. For most of us, we only scratch the surface of about seven areas of financial planning and allow experts to make recommendations and decisions that will hopefully create a betterContinue reading “Is anchoring holding you back?”

One of the early appeals for cryptocurrencies was that they would not be taxed as they are not fiat currencies (yet), in that they are not owned by a country or used for trade inside of geographical tender regulations. However, as these platforms grow and develop, we are seeing that this is most likely notContinue reading “Crypto can be taxing”

Dualistic thinking assumes a universe where there are only two opposing, mutually incompatible options or realities. This type of thinking is either/or, good/bad, negative/positive, and has a significant impact on our beliefs and behaviours. Our development is stymied by dualistic thinking. The sooner we can break free from this either/or mindset, the sooner we canContinue reading “Dualistic Thinking”

One long-held belief is that lemmings purposefully run off cliffs in their millions. This myth has become a metaphor for the behaviour of crowds of individuals who follow each other blindly, regardless of the consequences. Herd instincts are prevalent in all parts of life, including the financial industry when investors follow what they feel otherContinue reading “Don’t be a lemming”

There’s a story that was told many years ago (it may or may not be true…) about a Microsoft call-centre agent and their call with a deeply irate customer. Having recently purchased a computer that came pre-installed with Windows, the customer called to find out why his computer would not respond. It goes a littleContinue reading “I’m not sure I want to know”

The simple answer is: Yes, we all are! In a recent blog, we looked at five financial trip-wires and glanced over the term ‘mental accounting.’ Introduced in 1999, it’s a concept that refers to the different values we place on money. These values are often based on subjective criteria; sometimes, this subjectivity benefits us, andContinue reading “Are you money-mental?”

“It’s not in the way that you hold me It’s not in the way you say you care It’s not in the way you’ve been treating my friends It’s not in the way that you stayed till the end It’s not in the way you look or the things that you say that you’ll doContinue reading “Hold the line”

If you’ve ever seen the mayhem from the middle of the trading floor of the New York Stock Exchange (NYSE), you can be forgiven for thinking it’s a warzone! Whilst most stock exchanges around the world now trade electronically, having cleared out their trading floors, NYSE still hosts the traditional tussle of the floor traders’Continue reading “Five financial tripwires”

When it comes to financial planning, risk planning, estate planning and investing, many of us like to “set and forget”. Our lives are full of things to remember, for work, family and the communities in which we’re involved – often, the last thing we want to review is our financial portfolio. As a result, it’sContinue reading “The premium time to review your premiums”

Money isn’t real. It’s just an agreed-upon system of exchange. Have you ever heard that?  This is the realisation that many reach when feeling frustrated with tax systems, witnessing social injustice or experiencing the unfairness of life. While money and currency systems may not be real, they represent value and help us form and communicateContinue reading “Our oft-told money stories”

A few short decades ago, we lived in a world that seemed to have far more security and certainty. The rate of change was slower, and many assumed that if you stuck to the system, the system would look after you. Social security, income security and good health were taken for granted in developed countries.Continue reading “Protecting your income for a better outcome”

“… your money deserves to go places,” Ninety One (dual-listed on both the South African and London Stock Exchanges). Many people who choose to stay in a country feel a sense of pride and patriotism for their local residence. Whether it’s a native birth-right or an adopted sense of nationalism, buying, supporting and investing localContinue reading “Offshore shouldn’t be off-putting”

“If only I’d bought into Bitcoin in 2008…” “But, it’s not regulated…” “But, the bubble…” “Bitcoin – I don’t want to miss out…” Before engaging in any blog about Bitcoin, it HAS to be stated that Bitcoin is an incredibly risky investment that may or may not pay off. Bitcoin is a decentralised digital currency,Continue reading “Ifs, buts and Bitcoin”

No matter how hard we try, we never seem to get it all right… all the time! We were taught as kids that practice makes perfect, and this phrase set us up for unrealistic expectations. At some point in our future, we figured we would get it perfect. All we needed to do was keepContinue reading “Bite-sized chunks”

Passive investing has become the most popular investing strategy, globally. Simply put, it’s the strategy of buying the whole market (a diversified reach of stock allocations, ETFs and the like), and continually contributing to your portfolio. The long-term goal is to achieve the average market return. This strategy avoids buying and selling regularly (like withContinue reading “Key thoughts for passive investors”

The first thing to remember when approaching investing is that the best approach is dependent almost wholly on the investor and their desired investment outcomes. While this may sound simple, working out desired outcomes hinges on many factors and conversations and ultimately works out best when a trusted financial adviser guides the investor. In aContinue reading “Is active or passive fund management better?”

Recent times have been life-altering for so many, from emotional and health traumas to relational and financial traumas. We’ve all had to encounter a considerable onslaught of ‘stuff’ to process and deal with. It may just be life, but it’s still hard. Divorce is one such trauma that so many have to work through. ItContinue reading “Divorce and your retirement savings”

Nothing is certain in life, except for death and taxes. Benjamin Franklin said this almost 300 years ago, and it still rings of truth. The economic and political landscapes are now even more complex and connected than they were in the early days of American politics and free-market exploration. Making money has never been easier,Continue reading “Tax Savvy Investing”

In the world of investing there are myriad ways to create wealth. These systems are complex, integrated and offer just enough certainty to attract our attention, but not enough to be a sure-thing. Two investable options that are talked about daily are stocks and shares. They sound and look very similar, but are in separateContinue reading “Stocks vs Shares”

Ray Dalio is an American billionaire hedge fund manager and philanthropist who has served as co-chief investment officer of Bridgewater Associates since 1985. As a thought leader and industry pioneer, he also founded the world’s largest hedge fund and firmly advocates that “diversification is a wonderful, mechanical, good way to reduce risk without reducing expectedContinue reading “The next best thing for investors…”

This is not such an easy question to answer. Many of us may shoot up our hands, quickly realizing that what follows is a tough call-to-action: “Then start saving!” So we shrivel back and think we’ll rather start saving next month, or when we get our next increase. Others, already encumbered with tough monthly expenses,Continue reading “Who wants to save more?”

Medical aid (including insurance products) contributions need to form part of our overall financial planning. Every year these products are adjusted slightly – both in how much they cost in monthly premiums and in what they cover. These increasing costs can feel burdensome and unnecessary to those who seldom use their medical cover, but theyContinue reading “How much is enough?”

The largest factor in our wealth creation, and our wealth protection, is our behaviour. How we choose to save and how we choose to spend are the habits that will determine if we are able to grow our money over time, or if we will erode it over time. There are other factors, certainly. WeContinue reading “Pre-Lockdown vs Post-Lockdown Spending Trends”

From the seasoned investor to the newbie, most will know that ETFs have been gaining popularity in investment portfolios for about a decade. ETFs (exchange-traded funds) were first developed in the early 1990s by Nathan Most, they offer both retail and institutional investors a great passive investment option. Nathan initially started thinking about the ETFContinue reading “The growing popularity of the ETF”

Markets don’t make you money; your habits… make you money. As creatures of habit, we ultimately become our own best friend, or our own worst enemy. This is why it’s important to be mindful of how our emotions affect our choices and influence our behaviour. We can remind ourselves of this time and time again,Continue reading “Markets don’t make you money”

In a 2018 article, Tim Davis (President of The UPS Store) said this of small businesses: “Small business is the backbone of the economy. … It’s these businesses that are driving local economies, providing jobs for local residents and impacting key community organizations, through charity and service.” Whilst small businesses are crucial to the infrastructureContinue reading “The impact of the economy on small businesses”

One thing we can always know for certain is the past; but with far less certainty, the future, and even ‘later today’… eludes us. Despite knowing this, we often fall into the trap of thinking that we should have done certain things better, because we can see (looking back…) what a difference it would haveContinue reading “What did you do with your first paycheck?”

Here’s the thing about the lighthouse – it’s focus is always offshore. At the time of writing this article, the world is still flailing under the storm of the Coronavirus and the conditions have caused us all to rethink many of the foundations in our lives that we once thought secure. Just like the viewContinue reading “Lessons from the lighthouse”