How to Earn Higher Investment Returns and Pay Less Tax This Tax Year (2020/21) How to be more tax savvy If, like most of us, you would like to see more return in your account and less in the hands of the tax man, it is important to engage with the details [...]
How to Bump Up Your Tax Savings This Year It’s been a difficult year, with COVID-19 unsettling markets, putting strain on households and causing much uncertainty. For many, it has driven home the importance of creating long-term financial security. With the end of the tax year approaching, if you have additional savings, [...]
Finding the Road to Recovery Who would have thought that 2020 would be a strong year for investors? In the depths of the COVID panic the term ‘depression’ was bandied about by many, a reset of the financial system in its entirety. Sentiment in our country was at its lowest as businesses [...]
Responsible Leadership President Cyril Ramaphosa has signed performance agreements with all of his cabinet ministers, detailing the targets they will need to meet. “These contracts aim to strengthen the capacity of the state and increase accountability, the presidency said in a statement on Tuesday 8 December. “These agreements – which are based [...]
Everything You Need to Know About the Tax Year Ending 28 February 2021 To All Our Valued Clients, It has been a very unsettling year, with COVID-19 putting strain on your finances in different ways, and job uncertainty and market volatility causing many of you to hold off on investing. However, the [...]
WYSIATI /’VE-SI-HA-TI/ Psychologist Daniel Kahneman was awarded the Nobel for economics for his work on how we make decisions. A common mistake he identified is WYSIATI – what you see is all there is. We focus on one thing and do not see the bigger picture. In October there were three important [...]
Failing to Succeed For many investors keeping track of their portfolios is an anxious pursuit. Markets seem to behave in a non-sensical way at times, with any manner of factors causing anguish. Inflation expectations, GDP growth, sentiment, the oil price, central bank policy, debt levels, company mergers and acquisitions, cases of fraud [...]
Investment Outlook Q3 2020 The past quarter has been quieter than the first half of the year, and investors and fund managers alike appear to be catching their breath. This also coincides with how the investment markets have behaved over the past few months, with significantly lower volatility, many asset classes trending [...]
The K-Shaped Recovery The recovery of a stock market following a market crash is generally described using a letter of the alphabet. A V-shaped recovery refers to a short, sharp market recovery back to pre-crash levels, while a U-shaped recovery is used where markets remain subdued for a period of time before [...]
The pandemic has affected virtually everyone. While many of us perhaps lived without taking too much notice of the pennies, this event has highlighted the value of a clear and definite strategy for our income, allowing us to weather storms better. For this reason we wanted to share a principle of budgeting that can help [...]
