As much as we dislike the idea of New Year’s resolutions, January can bring with it a welcome burst of drive and energy to try and improve things from the previous year. When it comes to improving your investments, instead of focussing on maximising returns (which is never fully in our control), try focussing on […]
In the last few months of the year the personal income tax season hangs over year-end busy-ness like a shroud. Then, the new year begins right away with business’ financial year end looming. The last thing most of us want to think about in January is more tax. But really, January is the best time […]
Swiss banks hold a certain cachet about knowing good from bad investments, and currently the hottest topic on their lips are ESG funds. ESG stock options – or, rather, ‘Environmental, Social and Governance sustainability’ – have been steadily gaining traction among investors in the last few months, emerging into something of a buzzword. Once considered […]
How you finish your year is a powerful way to create momentum for the new year. How much you achieved (or didn’t quite manage) this year can inspire how much you aim to achieve next year. In the same way that an athlete pushes harder in every game, or an artist stretches their skills with […]
December should be a time of peace, cheer and goodwill to all men. But, if you’re a South African investor, it’s the month that likely brings up residual trauma of some decidedly un-jolly happenings from recent years’ Decembers. Cabinet reshuffle. Nenegate. Steinhoff. What is it about the twelfth month of the year that turns the […]
There is ample research to show that December is by far the most financially stressful time of the year for most people. Spending pressure is more emotionally charged than almost any other time of the year. Luckily, December need not be all doom and gloom for your wallet. Like many situations that seem at first […]
With all the treats at the social gatherings, watching both your budget and your diet during the festive season can be a challenge. Whether we’re talking about savings goals, or weight goals, it’s easy to get a little carried away. It’s wonderful to treat your loved ones and enjoy yourself, and during a holiday it’s […]
People are often quick to comment on doom and gloom posts and add their voice, and with the current subdued economic outlook, there seems to be plenty to be grim about. But what if we looked at something, like inflation, and highlight a positive South African success story? “… Inflation??” you cry. Hear this out. […]
They say to make hay while the sun is shining, but what about during overcast conditions? The current outlook for SA investors is not as stormy as it was two years ago, but it certainly isn’t clear skies. While we started the year filled with new optimism in a new president and the looming threat […]
It’s not always easy to see, but there are unexpected positives in South Africa’s current financial situation. Of all the segments of our population who could be grumbling, many would say that SME owners are right up there. Squeezed like the middle-class tax payers, but with the added brutal success figures of less than 10 […]