Any investor's main goal is to get the maximum amount of return for the least amount of risk.

And while there is no short or easy answer to this broad question, in this episode however we differentiate between the 4 main asset classes available to invest in a unit trust as well as discuss the expected risk and returns in each of them.

The 4 asset classes we touch on are:

-The Money Market

-Bonds (Fixed income)

-Listed Property

-Equities (Shares)

and within each of these asset classes, you can invest locally and offshore, each with its own risk/reward profile.

Once again it is important to make sure that you have goals and a financial plan in place as to ensure which asset class will be best suited to adhere to your needs.

For any questions or comments, contact us at [email protected]

We all want to create wealth and debt-free, but where do you start?

Should I first pay of my debt, should I start investing, or should I try and do both?

While there is no short answer and it greatly depends on your unique circumstances, we have created a list you can use as a guideline:

1) Pay of bad debt

2) Start an "Emergency Fund"

3) Invest for Retirement (Tax benefit)

4) Goal specific investing

5) Create wealth

If you have any questions or comments, kindly contact us at [email protected]

You can't put a price on education... or can you?

In this episode, we discuss the relevant topic of saving for your children's university fees.

Where do you start?

How much will it cost?

Which investment vehicle should I use?

We discuss these and other frequently asked questions regarding saving for you child's education.

Retirement, the topic we never want to discuss until it's often too late.

In this episode, we discuss the question of 'How much is enough?' and while it once again depends on where you currently are in your life, we provide you with a guideline on how much to invest on a monthly basis.

We also discuss the other benefits there is to using a retirement annuity and how you should incorporate your Pension or Provident fund contribution into the calculation.

Unfortunately, we see the stark reality of someone not having saved enough for retirement and that's why we urge anyone to take it seriously and start saving as soon as possible.

Offshore Investing - A topic that's frequently discussed but often misunderstood.

In this episode, we discuss the difference between direct and Indirect offshore exposure, whether you need exposure in your portfolio, what to keep in mind as well as how you can access it.

We are living in very uncertain times and we often get asked the same questions around money and Investing.

We have therefore started a new series around Frequently Asked Questions.

In the first episode, we discuss the question, Where should I invest in these current uncertain times.

We touch on 4 principles that any person should apply today when thinking about investing.

World-class triathlete, coach, and Business owner, Vicky van der Merwe joins us for this exciting interview where we look at the principles that one should follow and implement to improve your Fitness as well as financial situation.

We discuss the following principles :

-Goal setting

-Consistency

-Hiring a coach

-Don't Compare &

-Have patience and trust the process

Right at the end we also talk about how that in order to achieve your goal, one needs to choose the level of sacrifice they are willing to make.

Enjoy the episode!

The 'Time Horizon' plays a very important part when it comes to investing.

Time Horizon refers to the amount of time your money will be invested before you would need to withdraw it for something else. The time horizon will then guide the fund which will be selected and indicate the amount of risk the money should be exposed to.

Therefore when you are investing for the longer term, you should not be worried about short term results as that was not the goal of the investment. Let's use the analogy of a marathon runner. The athlete knows that the race is 41km long. She will not measure herself against the pace she would run in a 10km or 21km race as that is not the aim.

We need to have the bigger picture in mind, the long term and then evaluate accordingly.

People don't like to lose!

While this might sound obvious, there is more to it than it seems. We all want upside, growth, to participate when things go well. yet we are so afraid to lose that we would rather not participate.

Be aware of this behavior the next time you are analyzing different options when making a decision.

In the 2nd episode of our 4 part Miniseries on Behavioural finance we look at the personality trade: Overconfidence

We discuss how overconfidence in itself is not necessarily a bad trade to have, but not noticing it can destroy your wealth when it comes to investing.

We also look at the two practical examples of how overconfidence can influence you returns by:

-Excessive trading: I know better than anybody else &

-Not letting go: Where you hold on to a bad investment for too long as you don't want to admit you made a mistake in buying it.

Contact us at [email protected] if you have any questions or comments.