If you were to take a quick poll from your peers of what they fear the most, you’re most likely to receive answers like snakes, flying, thunderstorms (non-Highveld-people…), needles, the dark and, if they’re really honest, the dentist! For the most part these fears originate around our mortality and anything that threatens our health. Which […]

This question crosses the minds of most people, just moments before they meet up for coffee with their financial advisor – and it’s a good question! This question can be answered in so many ways… so let’s answer it with a few questions: Would you service your own car? Would you diagnose yourself if you […]

Every year, the cost of living increases. Food is more expensive, rent goes up, services cost more and our luxury items become even more of a luxury. From the image above, we can see how much a few food items increased in four years. After cooking for the holidays, we’re sure you can see how […]

Many of our clients invest with the Allan Gray-Orbis rand denominated offshore funds. As you may or may not know, these funds are now temporarily closed for discretionary investments. WHY ARE THE FUNDS CLOSING? The exchange control regulations of the South African Reserve Bank allow unit trust companies to invest up to 35% of their […]

Hindsight is 20:20; we can always view what we’ve done with a comprehensive view, after the fact. Whilst you can’t change the decisions that you’ve made, you can change the decisions that you’re going to make in the future. When building an investment portfolio, the third key consideration that you must bear in mind is: […]

THE LARGER THE GAIN, THE LARGER THE RISK For those in the southern parts of South Africa, there are rainy days ahead. Easter normally signposts the temperature drop and increased saturation in the air. Rain begins to fall, animals slow down and all too often our waistlines begin to explore the other side of the […]

BASIC INSTINCTS Every winter we begin to see a profusion of pallid tree-dwelling rodents, squirreling away nuts and seeds for the cold season. This is a lovely illustration of wise investments for the future: simple, natural and too true to life. The reason for this can be put down to natural instinct, but ask yourself […]

Whenever we see an article with a list of ways to improve something, we seem to jump to the points and skip the first bit … we hope you don’t do that here! Healthy kidneys are important when applying for any kind of risk cover, so naturally an article about keeping your kidney’s in great […]