Have you ever thought about how much you will earn over the next 5 years? If you have just started working and taking home R15 000 a month, over the next five years you will earn nearly R1 million – without any promotions or salary increases. What will you have to show for it?

In this podcast Maya and Mapalo discuss what they did with their first pay cheques, what they wish they had done as well as some do’s and don’ts.

Have you fallen into property investing by accident? Whether you are an existing property investor looking to consolidate or planning on buying your first property, in this podcast @mayaonmoney chats to Miguel Martins of Absa Home Loans, a property investor himself, on the do’s and don’ts of property investing  

In line with our theme on alternative asset classes, this week’s podcast Maya and Mapalo discuss investing in gold. Is gold a good investment? What role should it play in your portfolio and how do you go about investing in gold- because there are many different ways to gain exposure to this precious metal. The podcast has three parts – from traditional gold investments through to new-age ones. We discuss investing in gold coins with Glenn Schoeman of the South African Association Numismatic Dealers; investing in gold through the stock market with Craig Pheiffer of Absa Stockbrokers and finally gaining exposure to the precious metal through tokenized gold with Sean Sanders of Revix. 

Increasingly investors are looking to non-financial assets to provide further diversification. In this podcast we have previously discussed Fedgroup Impact Farming where investors can buy into farming of beehives, blueberries and even solar energy. We have also written about investing in cattle through Livestock Wealth. Cattle is especially relevant to the African market where it represents a tangible value and underpins financial agreements like lobola. This week we chat to Kagiso Tloubatla, co-founder of SV Capital to provide South African investors an opportunity to invest in cattle with low minimums, starting at R500 a month. 

With the economic fallout expected from COVID-19 investors have either seen their portfolios seriously hurt or are too afraid to enter the equity market now. Sitting in cash is an option, but what if markets recover and investors lose out on potentially higher returns? Maya and Mapalo discuss how structured products can provide a guarantee with market upside. In the second part of the podcast they look at the best way to use your tax-free investment allowance.

Most parents make supreme sacrifices to provide for their children and research shows that mothers in particular will put their children’s needs before their own. We want to offer our children the perfect world where they want for nothing, where they never feel shunned or feel they are not “good” enough. But is this the best way to teach them about money? Maya and Mapalo discuss their experiences in trying to raise financially savvy kids, what worked, what didn’t and some tips to start having those conversations.

It doesn’t matter how motivated you are to improve your finances, you will struggle to make progress unless your partner is on board. In our third Money makeover podcast Maya and Mapalo talk Marriage and Money and share the story of Catherien’s Money Makeover journey with her husband Jan.

With the unexpected 100bps cut in interest rates we received many questions about how interest rates work and the impact it has on both borrowers and savers. Maya and Mapalo unpack how interest rates work and do some jargon busting

Whilst you are sitting in lock down, now may be the time to turn that WhatsApp group into an investment club. Maya and Mapalo chat to Palesa Lengolo financial educator and author of  Stokvels: How they can make your money work for you, on the various investment product and opportunities available to stokvels. She also provides tips on what to do, or not do, when setting up your own investment stokvel.

Over the last few weeks our discussions have focused on keeping our heads above water during the coronavirus meltdown. We now turn our attention to investing - with markets down significantly is this the time to start testing the waters? In this podcast Craig Pheiffer, chief investment strategist at Absa Stockbrokers joins Maya and Mapalo to provide investment guidelines and maybe even some share tips. We also hear from Terry Msomi, director of Retail Bonds at National Treasury on why RSA Retail Bonds offer such an attractive interest for retail investors.