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We Need To Retire More Often

We Need To Retire More Often

Financial plans are a form of creative destruction, serving as a compass, not a map. The changing nature of the planning process creates an ideal location to seek refuge.

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Connecting the dots – JP Landman – April 2022

Connecting the dots – JP Landman – April 2022

Steve Jobs famously said that one can only connect the dots backwards. We have been connecting the dots on
government’s economic policy since 2018. The dots tell us what has been done, not what will be done nor what has
been promised. They help us to distinguish between daily headlines and longer-term trends. (I apologise in advance
that this read is longer than usual – there are just too many dots!)

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Latest Tax Guide 2022 – 2023

Latest Tax Guide 2022 – 2023

This guide offers all you need to know when completing tax returns, solving tax questions and understanding tax liabilities for  different entities. Download 2022 - 2023 Tax Guide

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The True Value of Having a Good Advisor

The True Value of Having a Good Advisor

Our industry is curious – everyone is supposedly an expert in their field and yet investors are often left more confused and with more questions than answers.   There are several factors that contribute to this.  At every braai there is a Tom and a...

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What is financial planning?

What is financial planning?

REMIND ME AGAIN… WHAT IS FINANCIAL PLANNING? Financial planning is defined as a process of developing strategies to assist clients in managing their financial affairs to meet financial goals in pursuit of financial wellbeing. Often when we ask a new client if they...

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Discovery Health 2021

Discovery Health 2021

Marketing Information Smart Series Download Chronic Illness Benefit Medicine ListDownload Comprehensive Series Download Executive Plan Download KeyCare Plan Download Priority Series Download Saver Plans Download...

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Budget Speech

Budget Speech

In his budget speech on 26 February, Minister Mboweni provided us with elements of hope for long term investors.

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Refocus asks, Should Investors Be Running For The Hills?

Refocus asks, Should Investors Be Running For The Hills?

Piet Viljoen writes; Many financial commentators are warning of a financial tsunami for South African investors, given the prospects of a credit downgrade. The gist of what many commentators are saying, following the deterioration of the South African economy during...

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Investec, Taking Stock Spring 2019

Investec, Taking Stock Spring 2019

Domestic stocks fell 4.6% in the three months to the end of September. Before getting too despondent, it’s worth noting that the year-to-date returns still look healthy. The All Share Index delivered 7.1% over the nine months; the All Bond Index was up 8.4% and the...

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How will a potential ratings downgrade affect me?

How will a potential ratings downgrade affect me?

There has been much speculation for some time that South Africa could be downgraded by Moody’s to sub-investment grade or “junk”, despite a recent reduction in the likelihood of the actual full downgrade announcement occurring on 1 November as many anticipate. The...

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