Most people don’t enjoy financial planning. It’s a practice filled with stigmas of confusing concepts, complicated products, and expensive choices. But the fact is that none of us can live without it costing us money. Even if we simply want to go for a walk, we need to buy the time to do that. We …
When life gets a little out of hand, we might say that things are blowing up! Sometimes it comes out of the blue, and other times we can see it coming, but generally, when we look back at how events unfolded, there were signs of a crisis looming. Inflation is much the same; it’s happening …
We need to be strategic about growth and not just hope it will happen organically. Through a recent interaction with business coach Grant Newland, the importance of this was brought to the fore of our conversation. But it is not just about growing businesses; it’s about developing people, families, and communities. It’s easy to think …
“Do as I say… not as I do.” This has been a popular phrase for many, many years. In fact, it was first recorded in John Selden’s Table-Talk in the 17th century. Possibly, for as long as we’ve had structured societies, we’ve noticed a disconnect between what we say and what we do. In the …
Diversification is not just an approach to adopt during market volatility; it’s generally good practice. And, if you want to create a portfolio that mitigates risk and beats inflation, diversification offers one of the best ways to increase your portfolio growth and amplify your savings. There’s no single “correct” way to diversify your investment portfolio. …
“The only way to find permanent joy is by embracing the fact that nothing is permanent.” – Martha Beck. Over the last few decades, investment strategies have developed and evolved to move away from market-related benchmarks toward personal goals and outcomes. Modern investors are now creating plans that are more personalised and unique than ever …
People often joke about the weather in Cape Town, saying that you can experience all four seasons in one day. And, if you speak to a local, you’ll know that regardless of how warm it is, they’ll always pack a sweater in case the weather turns. Still, as a top tourist destination, the weather doesn’t …
Financial planning is a complex and integrated activity that is often simplified in an attempt to make it more accessible. When we look at it as a lifestyle rather than an annual exercise, it’s easier to begin to engage with our financial plan in a more meaningful level. Saving and investing are two disciplines that …
As our world becomes increasingly digitised, personal skills will become more valuable. Many salespeople call these the soft-skills and realise that the old-school hard-sell-skills are no longer as effective. People are less likely to be blown away by some widget and far more likely to remember the way that you’ve made them feel. It doesn’t …
Regardless of what words we want to put to our journey with our money, there are a few realities that we need to face. First – everything we do is linked to money, whether we pay for it ourselves or rely on a benefactor. Second – some of our wealth-generation depends on luck and circumstance, …
