All that glisters is not gold.” (William Shakespeare, The Merchant of Venice) 1. Cash ain’t king Let’s cut to the chase: cash is not optimal for long-term investments. While it is the safest asset class, shares, property, and commodities generally produce better long-term returns. Unit trusts work well in diversifying asset classes. What’s more, cash…
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“In the face of too many choices, we often choose nothing—and pay dearly for it.” (Barry Schwartz, The Paradox of Choice) Everyone knows about FOMO. But have you even heard of FOBO, let alone contemplated how it might be kaiboshing your wealth targets? Fear of Better Options is a clear and present danger… The buffet of…
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“Patience is not simply the ability to wait – it’s how we behave while we’re waiting.” (Joyce Meyer) In recent years, there’s been a huge increase in advertising for market trading apps. These adverts all have two things in common: Firstly, they show someone making a large amount of money in a very short space…
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While President Trump’s unpredictable trade policies are continuing to create global market volatility, emerging market equities have attracted attention this year as investors embrace them as a welcome diversifier from the uncertainty and volatility of US-centric investments. The MSCI Emerging Market equity index is up almost 18% year-to-date, with foreign investors pouring money into India,…
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“By 2045, we will have multiplied the intelligence, the human biological machine intelligence of our civilization a billion-fold.” (Ray Kurzweil) Imagine that your financial planners (that’s us) possess a superpower: the ability to scan global markets in seconds and identify tax-saving opportunities as the deadline looms. While this may sound futuristic, it’s already a reality.…
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“In investing, as in life, it’s often better to be the patient retriever than the anxious terrier. Be steady, focused, and wait for the right opportunity.” (Inspired by Warren Buffett) When it comes to investing we’ve all got a bit of dog in us. But what breed are you? 1. The loyal labrador Steady, dependable,…
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“The only constant is change.” (Heraclitus) Stock markets everywhere have been on a bit of a rollercoaster in 2025. Uncertainty around interest rates, geopolitical instability, and the unpredictability of US trade policy have made for a bumpy ride. For any investor, these constant dips and gains can feel unsettling, even irrational. But before labelling current…
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“The markets are like weather; you may not like it, but you have to bear it.” (Rakesh Jhunjhunwala) South African investors don’t need to follow every twist in American politics or economics, but you can’t ignore them either. The world’s biggest economy casts a long shadow, and what happens in the US can ripple across…
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“Our ability to manufacture fraud now exceeds our ability to detect it.” (Al Pacino) If you’re anything like us, the chances are you’ve recently heard about someone in your circle who’s fallen prey to an internet scam. Enticed by glossy marketing, unbelievable returns, and what seemed to be valid endorsements, they invested their life savings…
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“The beauty of debit orders is that they make investing a habit, not an afterthought.” (Warren Buffett) We’re all human – which often means being emotional and not consistently disciplined. Debit orders remove the emotion from investing and encourage responsible behaviour. With debit orders in place, you don’t have to choose between contributing towards your…
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