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Check your Tax Efficiency before tax year end (28 Feb)

A recent series of Allan Gray articles highlights some tax-saving tips that are important to revisit, especially with the tax year (28 Feb) coming to an end and ensuring that you have taken advantage of your tax savings.

2022 Market Outlook

Positive 2022 investment returns to be supported by the continued global opening. As we enter the 3rd year post the onset of the COVID pandemic, it appears that 2022 will be less restrictive and life will be more normal as we learn to live with the virus. This is despite probable further COVID variants emerging over time.

Another Rollercoaster Year – 2021 year-end note

After the shock of 2020, 2021 can best be described as a frustrating rollercoaster ride. COVID, by its very nature, has been complicated to manage, leading to a very unpredictable environment and volatility in most facets of life. In this 2021 year-end note, we list important local and global investment highlights and round off with an inspiring Investonline update.

Setting and Achieving your Goals

The starting point of any successful financial plan is identifying and quantifying your personal goals. It’s a process of setting out what makes up your ideal lifestyle. Once you have defined your goals, realistic financial strategies can be put in place to achieve them and improve your lifestyle (or standard of living). We unpack the why and how of setting goals, provide you with a goal setting process, and how we can help achieve them within your financial plan.

How to be an accomplished long-term investor

Long-term investing provides you with a better chance of achieving higher returns, as it affords you the opportunity to take on more risk. Establish an investment strategy that is designed to match your goals, various time horizons and personal risk profile. Then trust it, and don’t be tempted to chop and change when uncertainty presents itself – uncertainty is a certainty. We reveal some interesting data that supports long-term investing and the mindset needed to be a long-term investor.

Endowments save on taxes and executor fees

Endowments offer tax benefits to high-net worth investors with a tax rate above 30%. Consequently, they reduce the tax payable on your investment returns and minimise estate complexities and executor’s fees upon your death. Please read how an Endowment could form part of your financial plan and investment strategy to reduce taxes and executor’s fees.

4th Quarter 2021 Market Outlook

There is light at the end of the tunnel as SA rolls out the vaccinations and most the world starts to open at different paces. Consequently, the outlook for investments is looking more promising. However, markets are never smooth sailing, and we need to be aware of some of the potential bumps ahead.

SA interest rates are expected to remain low for the next two years, which is positive for equities, but negative for interest earners. Therefore, including a measured portion of equity risk into your portfolio is essential to achieve after-tax returns above inflation. Please read our 4th quarter market outlook.

Investonline Webinar 22 Sep – Watch the recording on demand

Our Investment Webinar on 22 September had a record attendance.
Dr Graeme Codrington (Futurist and Scenario Planner) presented on – Life in a post Covid world
Tiaan Herselman (Head of Advice at Old Mutual Wealth) presented on – Tax structuring in retirement

Saving and the power of compound returns

Compound returns are an exceptionally powerful financial force and are the cornerstone to successful investing. Albert Einstein famously said “Compound returns are the eighth wonder of the world. He who understands it, earns it; he who doesn’t, pays it”. We illustrate the huge benefits that are achieved by starting to save early in life and how this enhances your chances of financial security.

China’s Regulatory Changes

Recent regulatory changes in China have once again rattled the Chinese stock market and highlighted the continued risk for investors holding Chinese shares. This does not mean that investing in China is a bad idea, rather, it emphasises that an in-depth understanding of the environment is critical to extract the best risk-adjusted returns.

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Calculate my Retirement Needs

Calculate my income in retirement
Calculate how much to save for retirement
How old are you?
What is your life expectancy?
What monthly income (pre-tax) do you currently require?
What is the total of your current retirement savings?
How old are you?
At what age do you want to retire?
What is your current monthly income?
What percentage of your current income will you require at retirement?
How much have you already saved for retirement?
How much can you contribute per month?
By how much can you increase your monthly contributions per year?