compound interest

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 ›

Advice avoidance

Many people have an aversion to seeking independent financial advice, and it is often not confined to the serial procrastinator. Whether through ignorance, insecurity or fear, there are a number of underlying reasons why some people tend to shy away… Read More ›

Understanding retirement annuities

In the not-so-distant past, retirement annuities fell exclusively in the domain of South Africa’s life insurance companies who sold very expensive retirement annuities that paid insurance brokers massive upfront commissions. In many instances, the actual investment portfolios of the RA… Read More ›