Staying Investment Focused in 2022

In January’s blog, we performed a deep dive into what 2021 looked like, what goals you achieved, what you failed at, and what goals you are still working on. If you actively write down your goals and vision, you have a greater chance of achieving them. Studies have found that by writing them down, you have up to a 65% more likelihood of achieving them as opposed to not writing them down. When you plan your goals, it might be helpful to plan in 5-year increments. Planning how you want your life to look like in 5 years; and what […]

Reflecting on 2021 and what we can expect for 2022.

“In the midst of chaos, there is also opportunity”― Sun-Tzu Since the start of Covid, chaos and uncertainly has become part of our lives. Some might argue that chaos existed before then, but the waves of Covid have made uncertainty an everyday reality. Unfortunately our investments have not been spared by the impact of uncertainly and therein lie the opportunities. Below is the one year returns as supplied by Ninety One. South Africa equities exceeded expectations and performed close to 30% this past year, bonds and cash were more suppressed. SA Property has come off a very low base and […]

Lessons Learnt from Investing in 2016

Having recently read a report from the CEO of PSG Asset Management, Anet Ahern, here are a few key pointers that our top minds in the investment sector will be carrying with them as we start 2017. 1. The best investment decisions aren’t always the most comfortable During the first two weeks of 2016, a few of the top investment vehicles were down between 8% and 10% – the worst start to a year ever. All three indices would eventually add to their losses after a modest rebound, hitting their lows for the year in mid-February. The US market then […]

Characteristics of a canny investor – Part 2

Just because you don’t have an ultimate financial gambit to sell a business or inherit funds, it doesn’t mean you will never become wealthy. The important thing is to know yourself – in particular, your financial behaviour. Modeling your behaviour after successful investors is already a step in the right direction. Let’s look at some more of the behavioural traits of an astute investor: 1. They get pleasure out of saving, not spending Buying things releases endorphins, resulting in a ‘shopper’s high’. This can be a tough behaviour to reprogram due to the satisfaction that is hardwired into your brain, […]

Investing in your fifties

Many young people neglect to plan for their retirement during their early working lives, arguing that they will take care of it later in life when they are earning a bigger salary. However, on the flip side of the coin, as people get older they assume that they must rebalance their portfolios into more conservative investments. Luckily, most people are choosing to retire later in life. If you have left investing in your retirement until later in life, there may be a risk in investing too conservatively (not enough exposure to growth assets like shares and listed property) as your […]

Financial Fortifications for Forty Somethings

It’s often said that the best years are the forties – and for so many reasons! Whilst everyone is different, it’s good to state at the start of this article that this perspective is becoming even more prevalent. Some forty year-olds are in their first marriage with kids, others are in their second or third… with kids. Some have never been married and have no inclination of doing so. These situations place people in very different landscapes, but they all have one thing in common – over forty years of life behind them. It poses a unique opportunity to view […]

Retirement doesn’t happen at 65…

Retirement planning is only one component of a holistic financial plan and although retirement has a higher probability than all the other risk areas, this is the area we find people being the worst prepared for. Retirement doesn’t happen at 65… it happens when you make it happen! Planning for retirement is much like planning a flight in a light aircraft. Before you embark on this journey you have to check if your aircraft is in a good enough condition to make the trip, what the weather conditions will be like so that they can be used to your favour […]