Author Archives

Crue Invest is a fiercely independent financial planning company based in Pinelands, Cape Town, that provides fee-based financial advice in the areas of retirement funding, risk, estate planning, trusts, wills, healthcare and tax.

  • Beyond the brochure

    Retirement villages are a popular choice among retirees as they provide facilities, essential services, amenities and security within a like-minded community. However, the costs, contracts and facilities of each retirement village are often so precisely tailored to each development that… Read More ›

  • Cause for concern

    In tough economic times, those in already-tenuous financial positions can experience heightened anxiety which in turn can intensify financial tension between couples and other members of the family. Whilst most people tend to worry about money from time-to-time, there are… Read More ›

  • A day in the life

    Over the past two decades, the professional standards of the South African financial planning industry have continued to rise through the efforts of a number of niche fee-based practices. Together with the Financial Planning Institute of Southern African (FPI), a… Read More ›

  • Fear, panic and ignorance

    Fear, panic and ignorance can affect human ability to make rational and logical decisions in times of crises – and this phenomenon is not limited to investment markets, as the Cape Town water crisis has taught us. Whether a severe… Read More ›

  • Consumed

    In his book, “Consumed: How markets corrupt children, infantilise adults and swallow citizens whole”, Benjamin Barber notes that capitalism requires us to ‘need’ all that it produces in order to survive. In doing so, capitalism has morphed from its origins… Read More ›

  • Don’t bank on it

    Done correctly, retirement planning is a client-specific blend of finances, lifestyle goals, health status, life expectancy and investment assumptions. The retirement planning industry is rife with generalisations and rules-of-thumb which, if too quickly accepted as fact, can have dire consequences… Read More ›

  • The ride of your life

    When planning our first expedition to the Okavango Delta and Caprivi Strip, our initial step was to consult the experts. Analysing the long and dusty route, understanding the costs and logistics, and knowing what to pack for the trip were… Read More ›

  • What we repeatedly do

    It was Samuel Johnson who once said that ‘the chains of habit are too weak to be felt until they are too strong to be broken’, and although bad financial habits may be difficult to exorcise, implementing a set of… Read More ›

  • Saving by the bucket-load

    As devastating as the drought in the Western Cape is, there is no doubt that it has resulted in fundamentally changed human behaviour which has, in many instances, positively impacted the water management of private citizens. There is nothing quite… Read More ›

  • Financial advice to my 22-year old self

    Twenty-four years since graduating from university, it is a somewhat challenging task to look back at my twenty-two year old self and dispense financial advice to the woman I was then. Standing on the precipice of a legal career, the… Read More ›

  • How women give away their financial power

    Just over a century since the suffragettes’ movement during which the female empowerment initiative first gained traction, women are today more empowered than ever before. Although no one argues that institutional sexism and pervasive discrimination against women still exists in… Read More ›

  • The unique financial planning needs of women

    Women face unique financial obstacles during their lifetime that require special consideration in the financial planning process. The gender pay gap, women’s role as child-bearers and carers, and the fact that women generally tend to live longer than men, are… Read More ›

  • Making what’s yours, theirs

    Far from just drafting a Will and reducing Estate Duty, there is a lot more to Estate Planning than many people realise. It is a complex area of financial planning that requires financial, legal and tax expertise if you intend… Read More ›

  • Financial freedom at any age

    The traditional road to a well-funded retirement is a linear process that follows the predictable trajectory of school, university, job, marriage, children, travel and then retirement – a process which is supported by approximately 480 pay cheques and interspersed with… Read More ›

  • Unseen threats to a seemingly secure retirement

    Whilst many investors consider the most ominous threats to their retirement savings to be unpredictable market forces and failing economies, the truth is that some of the greatest threats to one’s retirement can be latent and unassuming. Even the most… Read More ›

  • Money mistakes to avoid in your 30s

    The financial decisions you make in your thirties can set the general course of your financial journey and it’s absolutely essential to get them right. Major decisions such as marriage, children, property purchases and career-changes are hallmarks of one’s thirties,… Read More ›

  • Long-term investing in a short-term world

    Long-term investing in a short-term world is one of the most difficult things to do. With very little designed to last the distance (think smart phones, shoes and children’s toys), developing a healthy mindset towards remaining invested for a period… Read More ›

  • Financial advice in a junk status economy

    There are endless repercussions of our recent downgrade to junk investment status, but it is important to understand how this will impact the lives of average South Africans. In the first instance, consumers should be cautioned against anticipating an immediate… Read More ›

  • Financial planning for Millennials

    Millennials are digital natives, having been born in the age of convenience with an app for everything. Being 2.5 times more likely to be early adopters of technology than any other generation, they are entrepreneurial to the core and value… Read More ›

  • Planning for the rest of your life

    The South African retirement industry boasts an impressive array of investment vehicles for investors to choose from and, while choice is an imperative, it can make the environment difficult to navigate. There are four main types of retirement funds available… Read More ›