Seed Market Overview – February 2019

On the 29th of March, Moody’s will announce the results of its review of South Africa’s sovereign debt ratings. Moody's is the only major ratings agency that has not already downgraded South Africa's sovereign debt to junk. Currently, Moody’s has South Africa’s rating...

read more

2019 – The year ahead

2018 landed up being one of the worst investment years we have had since 2008. No matter how we try to look at it, no matter where you were invested, the negativity remained. With the yearend statements coming out, it has been dismal reading. The question now is, what...

read more

Buy and Sell/Key Person Insurance

It is essential in the successful operation of any business that continuity and succession planning be addressed in the event of a member dying or becoming disabled. Very often, the most effective way to achieve this is with Buy and Sell and/or Key person insurance....

read more

Emigration and your retirement fund

There is ongoing uncertainty on how retirement investors can access their savings on emigration. Given our country’s history of exchange controls and the restrictions that apply to retirement savings, concern on this matter is understandable. In the past, the South...

read more

Greed

On a recent trip to Zululand, I found this interesting flyer on my car. “What does the good Doctor have to do with finance?” I hear you ask. Well, a few natural herbs can help you attract customers, win the lotto and even pass exams! Now I can hear a few people...

read more

Moving to Canada – Hereford

Moving to Canada can be exciting but also a daunting experience. We lived in Durbanville (Cape Town) with a lovely surrounding of vineyards and mountains but that does seem very distant now to the big city of Toronto. There are so many things to consider during a time...

read more

Seed Weekly – 2018 – Final Countdown

While we are comfortably settled into the month of October it is of no surprise that shopping malls have already started displaying their Christmas decorations and the talk around company water coolers is leaning towards conversations of, “So what are your December...

read more

WHAT TO DO WHEN SOMEONE DIES

Death is a topic we’d rather not dwell on any more than we absolutely have to. But it comes to us all, and just as we need to prepare for our own deaths by providing for our loved ones’ continued well-being with a valid will, we should be ready to deal with the...

read more

AGING EMPLOYEES: WHEN MUST THEY RETIRE?

AGING EMPLOYEES: WHEN MUST THEY RETIRE? Employers and employees: Be prepared for the record numbers of Baby Boomers now reaching their 60s. Many of them won’t want to retire for years yet, perhaps for financial reasons or perhaps because they want to keep active in...

read more

Financial Success, Luck or Skill?

As a financial advisor, I am often surprised by how much money some of my clients who don’t earn much have built up, and how little capital some clients with huge incomes have managed to amass. How is it possible that a client who has been a teacher for all of his...

read more

Living Will: What are they? Do you need one?

We will all die. We have limited control over what will eventually kill us and when, but there is something that we can do now, whilst we are still physically and mentally capable of doing so, to express our wishes as to whether we elect to be kept alive by artificial...

read more

Financial Success, Luck or Skill?

As a financial advisor, I am often surprised by how much money some of my clients who don’t earn much have built up, and how little capital some clients with huge incomes have managed to amass. How is it possible that a client who has been a teacher for all of his...

read more

Tax Efficient Investments

I know that “Tax Season” is over and that the big push for Retirement Annuities has now tapered off. However, Retirement Annuities are not the only tax efficient vehicles used in the investment space. Below is a useful summary of the more common investment vehicles...

read more

How to Escape from a Property Suretyship

You are a director of a company entering into a good, sensible property deal which you have researched thoroughly. So when you need finance from the bank and the bank says “sure, your company can have a R5m loan, just sign this personal suretyship here”, you sign....

read more

The importance of doing nothing

In this day and age of instant gratification, constant information flow, and the general speed of doing things, people constantly need to be kept entertained and constantly need to be “seen to be doing something.” If you look at the first graph below you will see the...

read more

Seed Market Overview – 31 December 2017

Local Market After two calendar years of weaker returns (5% in 2015 and 2.6% in 2016), market prices produced a respectable 21% in 2017. Despite this move up in prices, the 5 year compounded return for the JSE All Share index is only up to 11.9%. Nevertheless, this is...

read more