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Michael Haldane

Michael Haldane

Global & Local The Investment Experts

FSP no: 43286  

TOP CONTRIBUTOR

Michael has contributed over 50+ articles to Moneyweb.


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Contact information

 
 
0114862500 / 0832695040
 
18th Floor Metalbox, 25 Owl Street, Braamfontein Werf, 2092
 
https://www.globallocal.co.za

About

Michael Haldane formed Global & Local in 1999, after having achieved a Bcom Honors at the University of Kwazulu Natal and spending 8 years working for a number of financial institutions. Michael is a born investment advisor who places the needs of investors first. He has a deep understanding of investing in all this vast subject’s variances, especially when it comes to unit trusts, pre-retirement planning, hedge funds, post retirement investment management, offshore investments, structured notes, Whisky Cask investments and Crypto Baskets. Michael is a Certified Scotch Professional (CSP) and is especially skilled in advising offshore investments. Michael has passed the required RE 1, 5 & 3 exams.

Michael is married, has two children and is passionate about Eastern philosophies. He is also a voracious reader, traveller and enjoys playing squash.

Company info

Global & Local formed by Michael Haldane over 20 years ago. Throughout this time Michael has developed a deep understanding of those investors who are considering, entering into or in retirement. This understanding has now expanded to assisting those who wish to invest in markets outside of South Africa. During the last 20 + years Global & Local has developed a highly respected team of 35 people who administer, analyse, review and service Global & Local clients who reside all over South Africa, and across the globe.

Global & Local has an in-house analytical team of 5 highly qualified analysts whose task it is to analyse markets, investment institutions, funds, fund managers and client investments. Global & Local offers cash accounts, transactional FOREX services, onshore and offshore investments, hedge funds as well as alternative investment options such as Whisky Cask investments, Crypto Baskets and Structured notes.

Global & Local has remained a completely independent investment advisory company and as such we have over 58 contracts with different product providers as well as being able to provide outside experts in the fields of tax; fiduciary and estate planning services. Global & Local is able to provide advisory and investment portfolio management services to individuals, companies and trusts. You can also hear all about Global & Local’s investment offerings on Hot 102.7 FM

Michael on Moneyweb

reader question, investing, debt, reader question, property, investments, decision

How can I maximise R2.5m while protecting the capital?

3 Oct 2023    1
Two advisors answer this reader's question. ...
tax debts, retirement tax, pension tax,

If I cash in my late wife’s RA, will I still qualify to take R550k tax-free from my RA? 

20 Sep 2023
The death benefit of an RA is taxed in the hands of the deceased and will not affect your own exclusion. ...
Insolvencies, One journal, error-laden resumes, job application, spelling errors, Flanders, Belgium,

What are my options for the payout of my deceased spouse’s death benefit?

6 Sep 2023
You have three options, however, your choice will depend on your financial circumstances, immediate needs, and long-term goals. ...

I’ve exhausted my tax-free limit. Will I be entitled to a rebate if I take a 1/3 lump sum?

12 Jul 2023
Unfortunately, the tax rebate does not directly affect the tax calculation on the lump sum and may not result in receiving a refund. ...

Is a fixed or living pension more profitable?

11 Jul 2023
The living annuity is the better option. Here's why … ...
Elke Brink, Michael Haldane, property, investment portfolios, renting vs buying property, moderate-risk portfolio, cash investment

Should I transfer funds from a unit trust to a tax-free investment account?

4 Jul 2023
You could. However, the scale of the benefits will depend on a couple of factors. ...
pension savings, pension schemes, Angola, Mozambique, Zambia, Nigeria, Owen Nyang'oro

Can I withdraw again if I’ve previously withdrawn all my pension?

13 Jun 2023
Two advisors answer this reader's question. ...

What are good income investments?

25 Apr 2023
Here are some of the most popular traditional income-producing options for investors ...

Does the one-third lump sum increasing to R550k mean I can draw another R50k tax-free?

12 Apr 2023
You may get the cash lump sum tax-free since the tax-free portion is an accumulative total over your lifetime. ...

What’s the best return I can get on a R4m investment?

5 Apr 2023    2
Two advisors answer this reader's question. ...
Michael Haldane , capital gains tax, CGT, investment tax,

Where should I invest R400k from a recently matured fixed deposit?

28 Feb 2023
A unit trust is a good option, as it suits your conservative risk profile and it offers diversification and liquidity. ...

How should I invest my R3.2m retirement gratuity?

21 Feb 2023    2
Two advisors answer this reader's question. ...
inflation, investment, market uncertainty, investment returns,

What will be the best option for my provident fund when resigning?

17 Jan 2023    1
If you don't require a cash lump sum, transfer the full portion into a provident preservation fund to preserve the capital. ...

Does a living annuity terminate on death or after a fixed period?

11 Jan 2023
Two advisors answer this reader's question. ...
Marius Fenwick, Michael Haldane, investing tips, investing advice, unit trusts, inflation, fixed deposit, purchasing power, capital gains tax, equity funds, interest rate hikes, income funds, money market funds,

Should I move all of my unit trusts into money markets?

29 Nov 2022    1
Two advisors answer this reader's question. ...
inflation, investment, market uncertainty, investment returns,

What would be a good investment for my excess contributions?

8 Nov 2022
Two advisors answer this reader's question. ...
retirement, retirement savings, retirement benefit, life annuity, living annuity, investors income, retirement savings, retirement tax, retirement investment, retirement income, pension tax, pension funds, pension investments

Where should I invest R20k monthly?

3 Nov 2022
There are many great options to choose from. Here are a few … ...
Elke Brink, Michael Haldane, property, investment portfolios, renting vs buying property, moderate-risk portfolio, cash investment

Should I switch from a moderate-risk portfolio to a cash-related investment?

27 Oct 2022
Two advisors answer this reader's question. ...

What happens when one of the beneficiaries of a RA dies?

25 Oct 2022
Two advisors answer this reader's question. ...
fixed deposit vs unit trust, Michael Haldane, tax-free savings unit trust, tax-free savings account, tax-free investment, unit trusts, emergency fund, emergency funding, savings, where to invest your emergency funds, money market funds, income funds

Should I save emergency funds in a fixed deposit or unit trust?

20 Oct 2022    3
Two advisors answer this reader's question. ...
Asisa, True South Actuaries & Consultants, Hennie de Villiers, ASSA, The Asisa Insurance Gap Study, offshore life insurance, Discovery Life, foreign investment allowance, Tax Clearance Certificate, Single Discretionary Allowance, capital disability, dread disease cover, severe illness cover, capital disability cover, offshore life insurance policy, Jonathan Braans, Michael Haldane, Offshore life cover, Offshore insurance, offshore insurance policy,

Can I purchase an offshore insurance policy?

6 Oct 2022
Two advisors answer this reader's question. ...
retirement savings, transferring retirement savings, Government Employees Pension Fund, Old Mutual preservation pension fund, preservation fund, municipal pension fund

Can I transfer my preservation fund to my municipal pension fund?

20 Sep 2022
Yes, provided the receiving fund accepts the transfer. ...
whisky, alternative investments, Money Savvy podcast, investing in whisky casks, michael haldane

Is investing in whisky casks as smooth as the tipple itself?

26 Aug 2022
Michael Haldane of Global & Local The Investment Experts discusses investing in whisky casks as opposed to bottles of rare whisky, how to choose the right cask and not overpay, expected returns and ri ...
Arno Olckers, saving, the power of compounding, compounding interest, Saving vs investing

I’m 75 with R2.5m. Which low-fee, low-risk investments should I consider?

24 Aug 2022
We don't want to be locked in for more than a year and would like a monthly drawdown to top up our savings account. ...
tax debts, retirement tax, pension tax,

What are the tax implications of withdrawing R700k from my pension preservation fund?

26 Jul 2022
Three advisors answer this reader's question. ...
property, rental income, investing in property, unit trusts, offshore investment

Where should I invest my rental income for 10 years?

19 Jul 2022
A unit trust investment may be best as it doesn't limit you on the amount of risk you'd like to take, and it's a liquid investment. ...
Japie Lubbe, investec, Indirect offshore investment, investing offshore, offshore, offshore investing, Direct offshore investment,

How can a 55-year-old go about investing offshore?

14 Jun 2022
You have the option of investing directly or indirectly depending on your preference and circumstances. ...
stETH

How can I invest in crypto baskets for my kids?

24 May 2022    1
Most exchanges require the investor to be over the age of 18, but a parent or guardian can invest in a crypto basket on behalf of minor children if they submit some extra documentation. ...

At 70, what is the best investment one can make with R500k?

19 May 2022
Should one consider high dividend-yielding ETFs like the Satrix Divi? ...

Can I sue a broker for poor management of funds?

9 Mar 2022    2
You would need to be able to prove they had breached their fiduciary duties. ...
Elke Brink, preservation fund vs a retirement annuity, GEPF, retirement savings, retirement investments, RA, government pension

Can I transfer my RA offshore?

14 Jan 2022
No – but you can get offshore exposure. ...

Can I cancel my provident preserver policy and withdraw everything?

10 Jan 2022
Your options depend on whether you are younger or older than 55. ...

Can I withdraw funds from my pension fund to settle my medical bills?

17 Aug 2021    2
We recommend that you stop the transfer process of your pension fund as soon as possible if you are able to, and rather take a cash withdrawal directly from the fund. ...

Can the payout of my life insurance policy be deposited into a foreign account?

21 Jul 2021    5
If your wife still has a local bank account, the proceeds can be transferred to the SA account then sent offshore. ...

With R800K, what monthly income can I expect if I want an income until I pass on?

2 Jun 2021    9
And will the balance fall away when I pass on? ...

Can I transfer my GEPF pension fund into a private living annuity at retirement?

14 Apr 2021    13
If so, are there any tax consequences to consider? ...
retirement annuity rules, Devon Card, RA, retirement annuity, retirement planning, Allan Gray, Old Mutual, Section 14 transfer,

Can South Africans contribute to an offshore annuity?

3 Mar 2021    2
Reader asks what options are available. ...

What should I consider when moving my pension to a preservation fund?

17 Dec 2020    8
It's important to know what the various providers can and cannot offer you. ...

If my LA is invested in foreign portfolios, can my income be paid into a global account?

18 Nov 2020
Foreign exchange control regulations prevent this – but once you receive your income in rands you can transfer it to an offshore bank account. ...

Would it be better to invest R500k or deposit it into my bond?

10 Sep 2020    1
The decision is not as simple as one might think. ...

Should I invest R1m in a balanced unit trust for medical expenses?

5 Aug 2020
If I go through with this, I would then cancel my medical aid. ...

Was it in my best interest to sign a Category II mandate?

11 Jun 2020
A discretionary mandate is used by an investor and a financial services provider to assist in the ongoing positioning of a portfolio as circumstances change. ...

Can I still invest in an RA at 50?

9 Apr 2020
Yes, there is no age limit on retirement annuity contributions. ...

Trusts: do I have funds due to me as a beneficiary?

2 Sep 2019
Sign a letter of authority and send it to all investment providers to ascertain if there are any investments in your name. ...

What platform can I use to buy Nasdaq stocks?

20 Jun 2019    2
Know the risks in trying to manage your own portfolio – even professional traders are getting their calls wrong. ...

‘You’re a priest, doctor and trauma counsellor’

10 May 2019
I only recommend what I've invested in personally – Global & Local founder Michael Haldane. ...
retirement annuity rules, Devon Card, RA, retirement annuity, retirement planning, Allan Gray, Old Mutual, Section 14 transfer,

Are my pension plans wise?

8 Apr 2019
After taking out my pension to pay off my bond, I want to invest the rest in an annuity for life once fully retired. ...

How do I invest my pension when I retire?

18 Mar 2019
Two important questions to consider: will you take the allowable cash portion, and what annuity type is most suitable? ...
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Michael's views

September economic update

2 Oct 2023
Heightened uncertainty has led to a drop in equities. ...

Preserving your wealth: Investment strategies for estate planning

29 Sep 2023
An investment which bypasses the winding-up process is suitable for estate planning purposes. ...

Navigating tax on living annuities when emigrating

22 Sep 2023
How to ensure correct taxation. ...

Income-bearing investments: An extra paycheque

15 Sep 2023
These investments provide monthly income, and they come with a diverse range of features to cater to various preferences for safety, security, and yield. ...

Beyond the bill: A closer look at the benefits of admin fees

11 Sep 2023    1
These fees can vary in structure but are typically based on factors such as the total assets under management or a flat rate. ...

August economic update

1 Sep 2023
Locally, inflation is now comfortably within the Sarb's target range. ...

Structured notes: The best investment you’ve never heard of

25 Aug 2023
This product is a powerful tool that can accomplish almost any investment goal. ...

Emigrating? Make sure you know your tax obligations

18 Aug 2023
A look at the process of changing your residency status and the potential complexities involved. ...

The evolution of cryptocurrency

11 Aug 2023
Digital currencies have become an integral part of the financial landscape. ...

What happens to my retirement annuity when I emigrate?

4 Aug 2023
South Africans who choose to emigrate will have to wait for a period of three years before they can access and prematurely withdraw their retirement funds. ...

July economic update

1 Aug 2023
Both developed and emerging markets ended the month in positive territory. ...

The importance of life insurance: Securing a brighter tomorrow

28 Jul 2023
This product is a powerful tool that provides peace of mind, security, and a safety net for the future. ...

Will your money last as long as you do?

21 Jul 2023    1
Ensuring a secure financial future. ...

Should ChatGPT replace my financial advisor?

14 Jul 2023
AI-powered chatbots are great at giving you a brief overview of a topic, but they are not suited to giving personalised answers. ...

How your boss can help you retire

7 Jul 2023
Employers can empower their workforce to plan for a better retirement by providing guidance, support, and appropriate benefits. ...

June economic update

3 Jul 2023
The South African economy narrowly missed a technical recession in the first quarter. ...

Navigating the effects of high interest rates on your retirement funds

30 Jun 2023
High interest rates can significantly influence the performance of pension funds, annuity rates, and the funding of defined benefit pension plans. ...

Self-investing: what are the risks?

23 Jun 2023
While the idea of personally selecting underlying funds may seem appealing, it is crucial to consider the risks involved. ...

Can your offshore investments be repatriated back to South Africa?

16 Jun 2023
If exchange control laws were to be amended to require such, then all SA residents and entities would be required to comply with the regulations. ...

Is English whisky the next big thing?

9 Jun 2023
English distilleries are known for their craftsmanship and attention to detail. ...

Exploring some of the taxes we pay in South Africa

26 May 2023
South Africa’s tax system is a complex framework that ensures the government can finance public services, stimulate economic growth, and address social challenges. ...

Understanding funeral costs and the importance of funeral insurance

19 May 2023
Understanding the average cost of a funeral and the benefits of insuring for it can provide peace of mind during a difficult period. ...

The effect of high interest rates on your debt vs savings

12 May 2023
While high rate make it more challenging to manage debt, they can also accelerate savings growth. ...

Local vs offshore investing: the risks

5 May 2023
According to the South African Reserve Bank (Sarb), load shedding is here to say. The central bank expects load shedding to increase from 157 days in 2022 to 250 days in 2023. It estimates that this w ...

April economic update

3 May 2023
Not much has changed on the local front as South African businesses and consumers continue to adapt to load shedding and a higher cost of living. ...

Protect your golden years: expert tips to safeguard your retirement

28 Apr 2023
Possible solutions that an investor can use to both protect and grow capital in a recessionary environment. ...

RSA Bonds: yes or no?

21 Apr 2023
A look at bonds as an investment and the elements affecting their performance. ...

Does the exchange rate really matter?

14 Apr 2023
A look at what the exchange rate means for investing. ...

Do all roads eventually lead to bitcoin?

6 Apr 2023
The answer to this question depends on which camp you are in. ...

March economic update

3 Apr 2023
Mining production fell by 1.9% year-over-year in January, beating estimates of a 2.7% decline but marking the completion of a full 12 months of consecutive contractions. ...

Bonds vs money market investments

31 Mar 2023
While both investment options offer a degree of safety, they differ in terms of return potential, liquidity, and risk. ...

Is my retirement basket sufficient?

24 Mar 2023
This is extremely subjective and is not a simple 'one size fits all'. ...

With the rand falling, will my money be worth anything?

17 Mar 2023    1
Some tips on how you can best safeguard yourself from the negative consequences of the declining rand. ...

Why we love living in South Africa

10 Mar 2023    1
But beyond its natural beauty, South Africa is also an attractive destination for those looking to invest or do business. ...

February economic update

1 Mar 2023
With the US economy holding up and inflationary pressures lingering, investors are pricing in rates going higher for longer. ...

Overview of the 2023 budget speech

23 Feb 2023
Key highlights from the finance minister's speech. ...

Living annuity vs life annuity: which is best?

17 Feb 2023
It depends on several individualistic factors and, most importantly, the answer lies in your understanding of how these two products work. ...

Where to invest your cash now

10 Feb 2023
Options for savers looking to get higher returns on their cash. ...

Reminder: Maximise your tax savings

3 Feb 2023
Take advantage of the tax incentives before the end of the tax year. ...

January economic update

2 Feb 2023
South African equities continue to perform well due to the risk-on environment. ...

Why don’t many advisors advise investing offshore?

27 Jan 2023
Offshore markets can be very volatile at times. This can cause any investor/advisor to become very pessimistic. ...

How can you achieve financial freedom?

23 Jan 2023    1
You need to know how to differentiate between needs and wants. ...

Five investment portfolio risks for 2023

13 Jan 2023
Are investors in for another giddy year? ...

December economic update

4 Jan 2023
Emerging markets outperformed their developed counterparts, with the MSCI Emerging Markets index losing 1.6%, as compared to -4.3% for the MSCI World index. ...

Our predictions for 2023

30 Dec 2022
While inflation has been the talk of 2022, it will also be a key factor determining how markets perform in 2023. ...

Global macroeconomic factors that shaped 2022

23 Dec 2022
2022 has presented a difficult investment environment to navigate, leaving every financial practitioner with little room to traverse the investment terrain. ...

Financial lessons for widows

20 Dec 2022
The prospect of making financial decisions can be paralysing for a widow when just getting out of bed seems impossible. ...

Is retiring comfortably a reality?

9 Dec 2022
There are a few tips one may consider in making retiring a little bit less tricky. ...

November economic update

1 Dec 2022
The UK economy continues to battle with a looming recession and political uncertainty. ...

We’ll attempt to make the ‘rules’ simpler on beneficiaries

25 Nov 2022
While there are specific laws and industry standards, one should always refer to the specific insurance contract in question. ...

How much offshore exposure should your investment portfolio have?

18 Nov 2022
There is no exact answer as not all investors have the same investment goals. ...

Why is it best to do nothing?

11 Nov 2022
When the stock market is falling, panic selling can harm your portfolio rather than help it. ...

Why should you factor inflation into your investments?

4 Nov 2022
Investing during periods of high inflation can be more difficult because earnings and real value become more volatile and difficult to predict. ...

October economic update

1 Nov 2022
The Chinese economy continues to slow as the housing market and zero-Covid policy hamper demand. ...

Mini-budget speech review October 2022

27 Oct 2022
In this budget speech, a lot of questions linger, South Africans are seeking clarification on a variety of important subjects, including inflation which is evidently rising along with the rest of the ...

Here’s what’s contributing positively to South Africa’s economy

25 Oct 2022
Commodities, the agricultural and tourism sector are some of the positive contributors to the economy. ...

What happens when South Africa is greylisted?

14 Oct 2022    1
A comprehensive perspective of this buzzword. ...

Is now a good time to invest?

7 Oct 2022
Regardless of the direction the market is taking, it is generally a smart idea to keep investing. ...

September economic update

3 Oct 2022
South African equities followed their global peers lower with the JSE All share index losing 5.3% in September. ...

Investments that may not be suitable for retirement portfolios

23 Sep 2022
Investors should align their investment policy statement with asset allocations and investment products that deliver value to their portfolio. ...

Is it wise to have maximum offshore exposure in your retirement funds?

16 Sep 2022
The answer is dependent on how much risk are you willing to take. ...

Loss of income and disability cover: An important inclusion in your financial plan

9 Sep 2022
Risk cover protects you, your family and your business in the event that you are unable to earn an income. ...

August 2022 economic update

1 Sep 2022
South African equities remained resilient until a late selloff near the end of the month. ...

Rand insights for 2022

26 Aug 2022
The local currency has seen a 43% decline since February 2018. ...

Is the 60/40 portfolio strategy still effective?

19 Aug 2022
A comparison of this strategy vs an equally weighted portfolio. ...

The benefits of risk cover

12 Aug 2022
Risk cover allows you to worry less about any financial strain that comes with a major life event. ...

Tax after death

5 Aug 2022
It is important to be aware of your post-death tax obligations to try to avoid unnecessary tax implications. ...

July 2022 economic update

1 Aug 2022
All sectors of the JSE ended the month in the green. ...

All about exchange-traded funds

22 Jul 2022
An ETF can be created to track anything, from the price of a single commodity to a big and diverse collection of securities. ...

Has 2022 been catastrophic for investors?

15 Jul 2022    1
Stay on course during bad periods like now, as any deviation might result in missing the upswing when it arrives. ...

How to get your investments out of SA once you’ve formally emigrated

8 Jul 2022
Moving your assets abroad can come with certain limitations. ...

June 2022 economic update

1 Jul 2022
CPI officially broke through the upper limit of the Reserve Bank’s target range, which may lead the central bank to hike rates more aggressively going forward. ...

Global events causing financial markets shake-ups

29 Jun 2022
So, what's the best way to manage your portfolio during these uncertain times? ...

How to protect your business from insolvency risk due to a loan account

24 Jun 2022
The most cost-effective way to avoid liquidity and insolvency risk is to apply for a life policy on the life of the owner/lender. ...

The effects of inflation over a 42-year period

17 Jun 2022
When comparing food prices back in the 1980s to food prices now, the inflation rate has increased significantly. ...

What happens to your investments when you die?

10 Jun 2022
It is important to understand what happens to your assets when you pass on so that you are able to invest in investments that will ensure your beneficiaries receive maximum benefits. ...

May 2022 economic update

3 Jun 2022
South African equities ended relatively flat with the FTSE/JSE All Share index losing 0.47% in May. ...

How to cut spending and save money

30 May 2022    1
Savings in SA have reached the lowest level since 1990. ...

The real cost of the war on the South African pocket

20 May 2022
Oil price increases, interest rates, and petrol price hikes are just some of the effects of the war. ...

Why wait until you die? Living inheritance now!

18 May 2022
When and how to give a living inheritance, and the advantages and disadvantages thereof. ...

Wealthy South Africans are leaving in droves

6 May 2022    1
Data shows approximately 4 500 HNWIs have left South Africa over the past decade. ...

April 2022 economic update

4 May 2022
The IMF to cut the UK’s GDP growth forecast to 3.7% for 2022 down from January’s forecast of 4.7% ...

Why should one diversify their portfolio?

29 Apr 2022
Diversification is one of the most important components of reaching long-range financial goals while minimising risk. ...

Direct real estate vs property unit trusts

22 Apr 2022
A look at the advantages and disadvantages of each strategy. ...

Pack your bags, but don’t forget ceasing your tax residency

14 Apr 2022
Here's how you go about starting the process. ...

Don’t stay where you aren’t happy

7 Apr 2022
You can transfer your retirement annuity to a different product provider by doing a Section 14 transfer. ...

March 2022 economic update

1 Apr 2022
The financial sector was the best performer, advancing 11.58% in March. ...

Change to the tax rate on annuity income

24 Mar 2022
A taxpayer can choose to apply a fixed tax rate across their annuities. ...

Government old age grant: Can you apply?

17 Mar 2022
The grant is only available to people who do not have any existing social grants. Here are the other conditions... ...

Is now the right time to invest into equity markets?

10 Mar 2022
One should focus on one’s long-term investment goals and if you can, and you can see the opportunity, then consider increasing your invested capital. ...

February 2022 economic update

2 Mar 2022
Inflation increased in the US and UK, while in SA it slowed, though the figure remains near the top of the Sarb’s 3-6% target. ...

Budget speech review 2022

23 Feb 2022
Not much will change, apart from the minor changes in sin tax. ...

Get your own back on the taxman

17 Feb 2022
You have until the end of February to maximise your tax savings for this year. ...

Investing in offshore wrappers

10 Feb 2022
There are many benefits to this product. ...

January 2022 economic update

1 Feb 2022
The rand has strengthened year to date, gaining 3.82% against the greenback in January. ...

Reduce your tax liability during this retirement annuity season

27 Jan 2022
Maximise your tax deductions by contributing towards retirement funds. ...

National Treasury’s proposed two-pot system for retirement savings

20 Jan 2022
Members who access retirement savings early reduce the probability of being able to sustain themselves later in life. ...

Preparing for the uncertainties of life

13 Jan 2022
There are several risk control measures to prepare for uncertain eventualities. ...

December 2021 economic report

3 Jan 2022
The FTSE/JSE All Share Index advanced 4.6% in December. ...

What happens if…

17 Dec 2021
The importance of having an in case of emergency document. ...

Think offshore investing

10 Dec 2021
Investing offshore is one of the ways to achieve portfolio diversification. ...

Transferring wealth from one generation to the next

2 Dec 2021
Having conversations around financial planning will help ensure the coming generations are more responsible when it comes to managing the wealth they inherited. ...

November 2021 economic report

1 Dec 2021
The rand lost 4.40% against the greenback and pushed above the 16 mark for the first time in about a year. ...

Taking advantage of your interest exemption and CGT allowance in your investment portfolio

25 Nov 2021
The tax payable depends on the investor’s marginal income tax rate and the type or amount of investment income. ...

Six weeks to go

18 Nov 2021
There is a sense of hope for a better ending than that of 2020 in the air.  ...

Budget speech review 2021

12 Nov 2021
While there have been measures put in place to better our economy, a lot has to be done before we get to a place of satisfactory economic growth. ...

October 2021 economic update

2 Nov 2021
The South African stock market tracked global stocks higher with the FTSE/JSE All Share Index returning 5.97% in October. ...

Benefits of a living annuity

29 Oct 2021    3
A living annuity may be a viable long term investment solution depending on your return objective and lifestyle goals. ...

The forgotten beauty and flexibility of linked investment service provider investments

21 Oct 2021    1
ISPs are an investment that allows you to have access to multiple funds from different fund managers under a single platform. ...

Are your annual life premium increases killing you?

15 Oct 2021
Converting your cover to a level premium makes sound financial sense as it ensures long term affordability. ...

Big brother is watching

11 Oct 2021
A look at some of the global agreements and laws that currently govern your investments, whether you like it or not. ...

September 2021 economic update

1 Oct 2021
The rand recently hit a new low and seems to continue weakening. ...

Thoughts of a parent when investing for the future generation

24 Sep 2021
The fine print about tax and ownership rights. ...

Simple steps to investment portfolio building

17 Sep 2021    1
Some insight into the foundation of an investment or wealth portfolio. ...

Do your offshore assets fall under your SA will?

10 Sep 2021
It may not always be required to have a second will to administer your assets outside of South Africa. ...

August 2021 economic update

1 Sep 2021
Federal Reserve Chairman Jerome Powell stressed that there was no hurry to increase interest rates. ...

Retirement planning or ‘financial independence’?

27 Aug 2021    1
Financial independence as a concept is perhaps easier to consider than formal retirement for the younger folk living in the modern world today. ...

Why you should opt for a Portuguese golden visa

13 Aug 2021    7
The program has investments that make sense with investment limits as low as €350 000 in some cases. ...

July 2021 economic update

4 Aug 2021
European stocks have been a mixed bag, as fears return over more Covid-19 restrictions following a breakout of the Delta variant. ...

How will my family receive the assets from my estate?

30 Jul 2021
It all starts with the will. ...

The impact of divorce on your finances

16 Jul 2021    2
Check your will and any life policy beneficiaries as soon you start divorce proceedings. ...

It’s time to do your tax return!

13 Jul 2021    2
Filing season officially opened on July 1, 2021. Below are a few important things to keep in mind when doing your taxes. ...

June 2021 economic update

1 Jul 2021
On June 11, the FTSE 100 in the UK closed at its highest level since February 2020, but it all came crashing down with the update from the Fed. ...

Exciting headlines

25 Jun 2021    1
Lately, we are seeing many things that make us optimistic for the future – as investors, as South Africans and as humans.  ...

Filled whisky casks as an alternative investment

18 Jun 2021
How this asset compares to investing in whisky bottles and other physical assets.   ...

Is it reasonable to expect what you want from your investments?

11 Jun 2021
We all want a low-risk portfolio that gives us great returns, but we cannot expect that. ...

May 2021 economic update

2 Jun 2021    1
The rand may remain strong for quite some time and even strengthen further from here. ...

Scary headlines

28 May 2021    1
What should investors be doing? Speaking to a financial advisor and letting them worry about those scary headlines! ...

Is borrowing from our retirement savings a good idea?

14 May 2021    5
South Africans are drowning in debt and it is hard to imagine that more debt is the solution to the structural economic issues we face. ...

April 2021 economic update

3 May 2021
The US Federal Reserve kept interest rates unchanged in April, signalling that concerns about the economic recovery in the US persist. ...

The cost of living abroad

29 Apr 2021    6
Prepare for the cost of the smaller things that you may not have analysed as carefully yet but will nonetheless have a big impact on your day-to-day finances. ...

Practical things you can do to help your family after your death

16 Apr 2021
The death of a loved one is hard enough without having to deal with the administration of it all. ...

March 2021 economic update

6 Apr 2021
The JSE All Share Index, S&P 500 and FTSE all ended the month higher. ...

How to spot investment scams

1 Apr 2021    1
Take your time before making an investment decision and research what is being offered. ...

The rise of ESG investing

26 Mar 2021    1
ESG factors are now a mainstay in most valuations and portfolio formations. ...

What else can they tax?

12 Mar 2021    4
A look at weird and wonderful taxes that Finance Minister Tito Mboweni hopefully doesn't implement. ...

Can I run my own trading portfolio?

5 Mar 2021    5
What to consider before moving from your demo trading account to a live account. ...

February economic update

2 Mar 2021
US markets saw another strong month, despite flat or down months for FAANG stocks. ...

Budget Speech 2021 breakdown

25 Feb 2021    2
Treasury estimates that it is on track to return to a budget surplus in 2024/25. ...

What are we teaching our children about money?

19 Feb 2021
If we can start having real conversations about money with our children from a young age, we can take the stress out of financial planning for them before it is too late. ...

Implications of changes to our tax laws

12 Feb 2021    2
There were three very important changes that will affect most individuals in South Africa. ...

Why consider a life income as opposed to a life cover lump sum?

5 Feb 2021
A life income product can effectively be used to ensure successful financial planning. ...

January 2021 economic update

3 Feb 2021    1
The rand depreciated by just under 3,5% to end the month at R15.15 to the US dollar. ...

Are retirement annuities still worth it?

28 Jan 2021    1
The debate is quite hot. ...

Alternative investments for you to consider

14 Jan 2021
If you are looking for something a bit more bespoke, these investment options may be a good fit for you. ...

December 2020 economic update

5 Jan 2021
Bitcoin had an eye-watering 300% increase for the year. ...

Company pension funds – myth or magic

18 Dec 2020    2
You cannot rely on your company retirement benefits to solely support you for an almost equal period as your working career. ...

Investing in a model portfolio

4 Dec 2020
It is important to understand how they work. ...

November 2020 economic update

1 Dec 2020
News of a vaccine during the month translated into November being a bumper month for global stock markets. ...

The most common misconceptions in investing

27 Nov 2020
Examples of mistakes investors often make. ...

Is 2020 the beginning of the end?

19 Nov 2020    2
An article about hope... ...

Emigration: what you need to know

13 Nov 2020
Answers to the most frequently asked questions. ...

October 2020 economic update

4 Nov 2020
Minister of Finance Tito Mboweni confirmed the economy is expected to contract by 7.8% in 2020. ...

Things to consider before investing

3 Nov 2020
Knowing where to start is the hardest part; an advisor will assist with mapping out a financial plan that matches your goals. ...

Important things to know about endowments

23 Oct 2020
Endowments not only offer tax benefits but help investors save with discipline. ...

The procedure to follow when a person dies

16 Oct 2020
Plus the taxes and deductions payable by the estate. ...

Are we in the process of bargaining our economy out of existence?

12 Oct 2020
The future of our economy is literally in your hands when you dig into your wallet to make a purchase. ...

September 2020 economic update

5 Oct 2020
The rand continued to recover in September and is still expected by most economists to recover even further before the end of the year. ...

Using structured products to protect your portfolio

2 Oct 2020    1
These notes generally serve their purpose best in times of no or mediocre equity growth. ...

Living annuity vs life annuity

25 Sep 2020    3
Once you elect to retire from a retirement savings product two-thirds of your funds must be invested into either a living- or life annuity. ...

Client confidentiality above all else

18 Sep 2020
FSPs are required to act honestly and fairly, and with due skill, care, and diligence in the interests of clients. ...

Where to from here?

10 Sep 2020
If you have set financial goals, stick to them through the volatility. ...

Financial advisor vs broker: the key differences

7 Sep 2020    7
The main role of the advisor is to help a client clearly understand their financial goals. ...

August 2020 economic update

1 Sep 2020
Apple hit a market cap of $2 trillion for the first time this month. ...

How do service providers justify their fees?

27 Aug 2020
The investment management fee is generally a standard fee that does not change often or change depending on the performance. ...

Investors are spoilt for choice

21 Aug 2020
How to choose the investment strategy that's right for you. ...

Government looks to amend tax laws to keep hold of retirement funds

13 Aug 2020    5
New legislation seeks to prevent South Africans who no longer pay tax in SA from withdrawing retirement funds until they can prove non-tax residency. ...

Is it the right time to invest in property?

30 Jul 2020    1
What you should be considering before making the investment decision. ...

Delay in government getting its hands on the pension fund pot

23 Jul 2020    1
The ANC has confirmed that it is relooking at changing the rules of Regulation 28. ...

The benefits of using model unit trust portfolios

16 Jul 2020    2
Diversification can be expanded to not only include different asset classes, but also different fund managers. ...

Making asset allocation decisions in turbulent times

13 Jul 2020
Focusing on assets and sectors that have not yet fully priced in the upcoming global economic recovery could be beneficial. ...

How the 2020 tax season will work

9 Jul 2020
The tax filing season will only be opening as from September 1. ...

Banking in death: Corporate cash manager accounts

3 Jul 2020
CCM accounts are regulated in the same manner as normal everyday transactional bank accounts, with a few exceptions. ...

Watch: June 2020 economic update

1 Jul 2020
Gold has rallied 17% so far this year. ...

Think technology for your portfolio

26 Jun 2020
Evidence suggests investing in technological and biotechnological funds during market turmoil could gain an investor a better return relative to other traditional celebrated funds. ...

Covid-19 emergency budget speech summary

24 Jun 2020
Projected consolidated budget spending, including debt, will exceed R2 trillion for the first time ever. ...

How to avoid becoming a victim of a phishing scam

19 Jun 2020
As fraudsters evolve, we need to become more aware of what information we put out there. ...

Important things to consider before withdrawing retirement savings

15 Jun 2020
Cashing in your retirement savings can trigger a high tax implication. ...

WATCH: May 2020 economic update

2 Jun 2020
The S&P 500, FTSE 100, and Hang Seng fell in May, while the Alsi increased by 2.11%. ...

A look into alternative investments

17 May 2020
Scotch Whisky has historically delivered average returns of 12% per annum over the last decade. ...

The importance of risk cover

7 May 2020
Risk cover ensures you and your family will have an income should anything happen to you. ...

Watch: Your investments now and post Covid-19

4 May 2020
Pressing questions around investments answered. ...

Watch: April 2020 economic update

4 May 2020
The US oil price was trading below zero for the first time in history. This was driven by a flood of unwanted oil. ...

Claiming from the UIF during and after the lockdown

4 May 2020
The government have created lay-off options. ...

Lockdown update: the good, bad and amusing

24 Apr 2020
Let us keep up the hope and be positive. ...

Structuring portfolios in times of chaos

22 Apr 2020
And long-term annuity income planning. ...

Practical advice if you lose your job

17 Apr 2020
You need to think logically, calmly, and rationally about what steps to take. ...

The importance of updating your will regularly

15 Apr 2020
We all owe it to not only to ourselves but to our loved ones to ensure that we have a valid will in place. ...

Current panic during the Covid-19 pandemic

6 Apr 2020
It's best to wait it out the volatility until a picture emerges and some stability returns to the markets. ...

WATCH: March 2020 Economic Update

2 Apr 2020
The rand dropped to a record low. ...

Are you ready for those unforeseen circumstances?

31 Mar 2020
Here's how to prepare. ...

Sanctions list searches – the dreaded false positive

13 Mar 2020
Having a financial advisor can work in your favour. ...

Nine questions on offshore investing answered

6 Mar 2020
What you need to know about investing internationally. ...

WATCH: February Economic Update

3 Mar 2020
Good news from Tito's budget; coronavirus continues to impact markets. ...

Budget Speech 2020 Review

26 Feb 2020
It's not all bad news. ...

The Global Wealth Report summarised

17 Feb 2020
South Africa contributes US$0.77 trillion or 0.21% to the total global wealth. ...

WATCH: January Economic Update

7 Feb 2020
The year got off to a shaky start. ...

A decade encapsulated

22 Jan 2020
As a new decade dawns, we look at a few major international, regional and local headlines that gripped the last decade. These were headlines that shocked us, made us laugh, dance, cry, emotional, enri ...

December 2019 Economic Update

6 Jan 2020
The rand had an estimated 4.5% rally in December. ...

WATCH: November 2019 Economic Update

5 Dec 2019
Moody's downgraded SA's outlook, putting the country a notch away from junk status. ...

The benefits of investing offshore and what to consider

27 Nov 2019
International investing may offer a hedge for investors who fear the depreciation of the rand. ...

WATCH: October 2019 Economic Update

5 Nov 2019
Equity markets gained 3.1% in October which was led by a rally in the Resources sector. ...

MTBPS: Has government been able to carry out what was set out?

31 Oct 2019
Finance Minister Tito Mboweni delivered his much-awaited medium-term budget policy statement on October 30 2019. It’s South Africa’s most influential one as a review from credit ratings agency’s ...

The essence of saving and the different ways to save

24 Oct 2019
Every rand earned is worth saving today for the rainy days ahead. ...

The age of anxiety

15 Oct 2019
Ongoing political and economic developments are causing concern among investors. ...

September Market Economic Update

2 Oct 2019
News from local and global markets. ...

August market economic update

5 Sep 2019
The public has until 15 September to comment on the finance minister's economic transformation paper. ...

What is the real tax rate in SA?

26 Aug 2019
Income tax is just the start; hidden taxes must also be considered in budgets. ...

What makes investing so difficult?

8 Aug 2019
The risk in cryptocurrencies is very high and in no way an easy way to make a quick profit. ...

July market economic updates

3 Aug 2019
A round-up of market, economy and currency news. ...

Why it’s a good idea to start saving up towards your retirement now

5 Jul 2019
It's said you would need at least 70% to 75% of what you earned at the peak of your career to maintain your lifestyle at retirement. ...

June 2019 economic update

3 Jul 2019
A round-up of economic and political news from last month. ...

May 2019 economic highlights

3 Jun 2019
A round-up of local and international political and business news. ...

Important decisions before entering an investment

30 May 2019
A look at local vs offshore; active vs passive; best- or worst-performing funds; and equities, bonds, cash or property. ...

Q&As: Financial implications when emigrating

16 May 2019
Answers to a few questions you may have pertaining to financial implications when emigrating from South Africa. ...

Forex – the dreaded exchange rate

25 Apr 2019
How the exchange rate works in forex trade. ...

March 2019 economic and market update

1 Apr 2019
News from home and abroad. ...

Low-volatility equity investing

22 Mar 2019
A low volatility equity portfolio fits well into an overall retirement fund and may result in both lower total risk and higher expected returns. ...

The multi-factor fund approach

4 Mar 2019
Multi-factor strategies build upon the concept of diversification: that combining exposures to factors can help soften the effect of drawdowns and increase the potential for outperformance. ...

February 2019 economic and market update

4 Mar 2019
The outcome of the national budget and international news on the market. ...

Changing rands to other currencies: What you need to know

20 Feb 2019
Transferring money out of South Africa is a little more complex than individuals may think. ...

January 2019 economic and market update

12 Feb 2019
The best-performing shares in January were financial services. ...

What is smart indexing investing and how does it help your investment portfolio?

11 Feb 2019
Smart beta funds seek to achieve better risk-adjusted returns than traditional index funds. ...
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