There are always bills to pay and money needed for something or another, and few things seem as boring and unnecessary than an emergency fund. While you can enjoy the rewards of spending on, say, a good winter coat, or can see the benefits of saving for something like university for the kids, emergency funds are, by nature, never seen.
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Is your portfolio overly concentrated?
A well-balanced, diversified portfolio is a joy for all seasons, giving something no matter what various markets or asset classes are doing. An overly concentrated portfolio is the opposite, a ticking time bomb volatile to fluctuations in macroeconomics and other influencers of the share price.
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Explaining credit risk
Last month we talked about interest rate risk – the risk of your investment devaluing and you losing money due to changes in interest rate. In a sense, this is about an investment’s possibility of flailing due to macroeconomic conditions. This month, we’re going to look at credit risk.
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Taking an interest in interest rate risk
Education around the basics of wealth creation and preservation is like a good, solid diet packed with healthy food staples, it can help you enjoy healthy finances for years and create a strong foundation for building your future.
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Betting on cars – how to invest in motor innovation without getting a flat
“Never look back unless you are planning to go that way,” Henry David Thoreau once said. Investing in the future is an exciting prospect, but a daunting one as well. And what could be more of a ride than investing in motor vehicles?
But the road can be a bumpy one, even if it is a fast ride, so prudence is paramount when investing in all things motor.
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The four numbers of retirement – and why they aren’t enough
‘It’s my life, it’s now or never. I ain’t gonna live forever…’ The famous Bon Jovi words could well be used to describe retirement – and saving for it.
Most people don’t know where to start when contemplating something as big and hectic as retiring in decades’ time, but there are ample titbits of conventional wisdom from the financial planning industry. Let’s take a look at some, and their pitfalls.
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Learning from others’ (big) mistakes – notes from Steinhoff
For those who tell you not to worry so much and just invest in anything, no need to do much research, you need only say one word: Steinhoff.
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A tale of two outlooks: Where to find value in the Market
It’s the best of times, it’s the worst of times, as Dickens might have said. At every conference and around every braai, South Africans are being told that everything’s going to the dogs.
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Trust issues – four things to check in your trust deed
Trusts as vehicles of wealth preservation have had some important regulatory changes over the past few years as authorities have attempted to shift them away from tax evasion and more towards a true, family-minded way to pass on assets.
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Your starter guide to alternative investments
In the wake of very lacklustre JSE performance and plenty of uncertainty, many investors have started considering thinking… alternatively.In a nutshellAlternative investments are different to the standard stock market approach; investing in assets outside the usual asset classes or in companies outside of the JSE-listed crowd.
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