Offshore investment

Offshore investment

As a financial advisor, I am frustrated by the little or low return of our local stock exchange. Sure there are some returns, but many clients are asking: “Where can we get real return?” “Will we see inflation plus 4% or inflation plus 5% returns again?” I think the...
Offshore investment

Financial emigration

Financial emigration is currently very topical. The reason could be because of the proposed change in tax laws for South Africans working abroad from March 2020, or it could be because more countries are advertising themselves to South Africans as a country they...
The seven habits of cyber secure people

The seven habits of cyber secure people

It’s not for nothing that cyber crime and hacking was considered 2019’s number one “major risk” by the world’s largest insurer, Allianz, in their latest Risk Barometer Survey. These days, it’s not if the security of your electronic identity and assets will be tried by...
The bell curve in retirement income

The bell curve in retirement income

There comes a point in retirement where the lump sum invested at retirement cannot keep pace with the income that a retiree is drawing. In the first few years of retirement the lump sum invested continues to grow but after a few years, the growth of the investment...
Tips for a less taxing tax season

Tips for a less taxing tax season

‘Tax season’ elicits in most people the kind of shudder you’d imagine ‘open season’ to elicit in hunted animals. We all hate doing our taxes and, because of this, we often postpone the inevitable, sometimes with horrible consequences like penalties and waiting hours...