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Month: November 2023

Intelligent Investing

Retiring Well is About More Than Money

“The most terrible poverty is loneliness.” (Mother Theresa) Loneliness is a subject that researchers and even politicians have started to think about a lot more in recent years. In 2017, former US Surgeon General Vivek Murthy called loneliness a public health “epidemic”. The following year, the UK appointed a “minister for loneliness” to deal with…
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Retirement Planning: The ins and Outs of Nominating Beneficiaries

“Two main categories of people are needed in your circle; those who give you the necessary support to accomplish your dreams and those who become beneficiaries of what you achieve.” (Unattributed) Pension and provident funds and retirement annuities All retirement funds are governed by the Pension Funds Act, which prioritises financial dependants when distributing death…
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Why do People Invest in Property?

Wealth buckets Property is one of several asset classes, the others being equity (shares or unit trusts), cash-related products (like money market products), and bonds. Here are some of the most important benefits of investing in property: What about the downsides? Property investment also involves risks and challenges, such as finding suitable tenants, dealing with…
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Market Update: The Effects of War, Higher Interest Rates and China on Equities

South Africa’s benchmark stock market index, the JSE All Share Index, fell 2.7% in October, leaving it 4.2% lower for the year to date. That contrasts with developed market stock exchanges, which had a negative month but remained positive for the year to date. The US technology index, the Nasdaq, eased 0.6% during October, while…
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