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An Extraordinary Year – Not to Forget

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.

Forecasting the Volatile Rand

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.

Staying rational in extremely uncertain times

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?

Has your investment risk and trust changed?

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.

WATCH: Investonline webinar – 9 October 2020

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).

Investonline 4th Quarter Investment Outlook

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.

Investonline Webinar | 9 October

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.

Return risks for retired investors

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.

Temper your investment return expectations

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.

Retrenchment and Retirement updated rules

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…

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Does your money work for you?

Calculate your optimal investment needs

Calculate my income in retirement
Calculate how much to save for retirement
How old are you?
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?