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LIVE ON EXPRESSO: Easy Mistakes When Investing

Part 1 [embed]https://youtu.be/Wp4JIqKuc7g[/embed] Part 2 [embed]https://youtu.be/Wi16cNXKAf8[/embed] Part 3 [embed]https://youtu.be/EE8Sg0SeCMA[/embed]

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The Financial Services Industry: Only serving themselves?

John Kay’s critique of the industry, Other People’s Money, looks at the need for reform to avoid another crisis. John Kay is an economist with both academic and corporate experience, and a columnist for the Financial Times. In his latest book, Other People’s Money (R452, Takealot.com http://www.takealot.com/other-people-s-money/PLID34890927),  Kay positions himself as a critic of the current incarnation of the financial services industry, suggesting that its usefulness to society has failed to keep pace with its size and the scope of its involvement in the economy. The financial sector serves society and the economy in (at least) four ways. The payments system enables businesses and individuals to pay and receive wages and to buy goods and services. The sector also enables eff

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Banks: Long-term value outweighs the risks

Despite the meaningful risks looming over South Africa’s banking sector, the current combination of attractive dividend yields and relatively cheap valuations presents attractive prospective medium-term returns for investors in local bank shares, despite fairly muted earnings growth expectations in the low- to mid-single digits, according to Craig Butters, equity portfolio manager and banking sector analyst at Prudential Investment Managers. Banking stocks fell sharply in December 2015 on the back of the large jump in bond yields in reaction to the surprise firing of Finance Minister Nene, to levels well below their historic valuations. They have remained under pressure due to the increased risk of a downgrade of South Africa’s sovereign foreign currency credit rating to non-investm

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16 Investment tips for 2016

Duggan Matthews, an investment professional from Marriott Asset Management, shares 16 investment tips to consider while you build the future you want:   Invest for income and let the capital take care of itself. The value of a business is based on the income or earnings it can generate. Only through increasing its income can the value of a business increase, a maxim well known by those running their own businesses. Over the long term, this principle holds true for investments.   Don’t speculate with your life savings. Speculating invariably involves buying and selling investments based on very little fundamental knowledge and typically produces enormous anxiety and poor results in practice.   Start saving early. The earlier you start saving for retireme

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CNBC AFRICA: Grant Van Zyl on retirement planning

CNBC Africa's Lindsay Williams talks to Grant Van Zyl, Certified Financial planner at The Wealth Room about the "management of money" and discuss on retirement planning, pension funds, living annuities and investments and savings.

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What is the best investment option for you?

The first thing that you need to establish from the beginning is what your investment objective is, once you have established that, you can go through a process of elimination to determine what the best Investment Product or Investment Vehicle will be for you to achieve your investment objective.     Once you have determined what vehicle you will be using, you can then determine what sort of risk tolerance you are willing to take off with the underlying unit trust. The longer your investment time horizon (interment period), the higher the amount of risk you can afford to take.   How do you choose the right products that meet your needs? In some cases you might have more than one product that might meet your needs, so you will then look into what your personal p

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Is it better to rent or buy a house?

Today we are going to touch on the subject of renting VS buying. This topic came about after I put together a piece on is buying property a good investment. If you haven’t read that article it might be worth your while to skim over it or just re read it to get a little more context for this post. However, if you do not have the time to, then I think the principles will be self-explanatory in the post below. I must also add a disclaimer that you will have to look into each individual situation and do the maths to see how it turns out, as there are just too many variables for me to cover in a short post. Let’s touch on buying property with a bond VS renting, which is your worst case scenario. Buying property for cash VS renting is a no brainer in my opinion as long as you make su

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Investment Value

How do you know if the investment has any value? The value of your investment is determined by the value of the underlying assets in your investment and the asset price change or if you buy or sell off units during the period of the investment. Your investment value can change depending on the underlying assets in the investment When the price of the units you own changes, this can affect your investment in a positive or a negative way. However the scenario that you are optimistic for is for your unit trust to earn returns through capital growth, which will then effect the value of your investment in a positive way. If the underlying assets are volatile, then the price of the units can fluctuate during the investment period. The most important thing to keep in mind is as long as

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Understanding Return & Unit Price

Understanding Unit Trust Returns Maximize your capital growth in your investment Some investments focus purely on getting the best possible capital growth by investing in assets that the fund managers feel will grow over time. How they do this is by looking for assets that offer a great value for money, or that they feel they are getting at a discounted price to what they are worth. The fund managers will then hold onto these assets for some time, until the underlying assets get to a point that they are worth more than what they were purchased for and then sell them off at a profit. Maximize your possible income growth on an investment Certain investments or unit trusts main goal is to not necessarily achieve capital growth, but rather create a reliable or steady stream of income thr

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