As financial advisors, the year has challenged our rationality and resolve. But, thankfully, with our 30 years of investment experience, our deep understanding of markets has enabled us to guide our clients efficiently through this volatile and uncertain time.

The Rand is staying true to form – very volatile. However, the long-term outlook remains very negative. We provide an analysis on forecasting the Rand with some key decision points and how to incorporate an offshore strategy into your investment portfolio.

In this extraordinary time of political and economic change, which is being fanned by online “fake news”, we need to reflect on being rational to get through this time of extreme uncertainty. Equity markets are fluctuating wildly. The JSE collapsed 35% into March and subsequently recovered, to then decline 11% in the last 3 months and then sharply rebound. Similarly, the Rand/ Dollar spiked to 19 (+33%) and since fluctuated as much as 8% in a few days as it moved down to 15.6.
What do we need to do to be rational and reasonable in this extraordinary time?

With investment markets still appearing risky, now more than ever, investors need to trust their investment manager. We look at risk perception and offer some advice on how to trust your investment manager.

Please click here to watch our webinar recorded on the 09th of October 2020. We get an update on the outlook of the offshore & local investment markets, presented by Hywel George (Old Mutual). We also get practical advice on offshore investing from Etienne Bosch (Old Mutual International).

Uncertainty prevails unabated everywhere and continues to make the investment outlook very challenging. We address these many challenges in our 4th quarter outlook and share our views on how best to navigate these uncertain times.

Developments in investment markets during the year require a high level of scrutiny of risk/reward considerations more so than ever. Investonline invites you to join our Webinar to learn first-hand what leading investment managers are considering most relevant when looking at offshore and local investments. Our Webinar welcomes Old Mutual’s Director of Investments, Hywel George, who will share his group’s outlook on global and local markets. Hywel will be joined by Etienne Bosch, Old Mutual’s offshore specialist who will inform webinar participants on the most efficient and effective ways to invest offshore.

Given volatile investment markets that have been exacerbated by the Coronavirus pandemic, it is important that we address the issue of “sequence of returns risk”. This is the long-term negative effect on retired investors if retirement capital declines soon after you retire.

With the economic fallout from the Coronavirus leading to significantly lower interest rates and inflation worldwide, we need to temper our investment return expectations. We review a recent investor survey and look at realistic future investment returns.

During these challenging economic times, there is an increased number of individuals choosing to retire and companies electing to offer voluntary or involuntary retrenchment packages to their employees. This raises questions around the latest retirement and retrenchment rules and the tax consequences of retirement and severance payments. We provide a summary below of the latest…