investment risk
If you’re fit and healthy, you may want to remain in the family home for longer. You may also not feel ready to enter into a retirement home or village while you are still enjoying good health, which is understandable.
In the absence of an appointed multi-manager, a financial advisor and client would need to meet on at least an annual basis to select underlying funds, make changes to asset allocation, and re-balance the portfolio.
As with all approved retirement funds, investors can save up to 27.5% of their taxable earnings into an approved retirement fund on a tax-deductible basis, up to the annual maximum of R350 000.
Before retiring, it is important to carefully assess your capital needs – both at the point of retirement and into the future. Remember, you are not permitted to make lump sum withdrawals from a life annuity or living annuity, so
Diversification is the cornerstone of portfolio construction and is based on the principle ‘don’t put all your eggs in one basket’. Diversification is a management tool that allows investors to spread investments to avoid hedging their bets on a single
It is important to be clear on what your investment is earmarked for, and this can be established through a simple goal-setting exercise. Do you want to save for a deposit on a property, pay cash for a car, enjoy
With there being over 1 000 unit trust funds for South African investors to choose from, multi-managers play an important role in researching and analysing all the funds offered by various assets managers and building portfolios from these to achieve
An ETF is a listed investment product that tracks a defined index such as the JSE Top 40 which tracks the stock exchange’s top 40 companies. ETFs track JSE-listed shares which give investors exposure to multiple companies by investing in
Investment markets are by nature volatile and accepting short-term fluctuations is an investment fundamental. Markets move in cycles through peaks and troughs and, as an investor, you need to be emotionally prepared to confront this reality without becoming fearful.
