Tax and Investments – Part 1: Choosing the Right Investment Vehicle from a Tax Perspective
This is the first article in a series of three exploring the impact of taxation on investment planning. A sound practical understanding of tax is essential for making informed investment decisions and structuring portfolios efficiently.
Diversification – Friend or Foe?
Einstein famously referred to the principle of compound interest as the “8th wonder of the world”. However, the power of compound growth can be severely disrupted when markets experience sudden shocks.
Income Strategies for Retirement: Rethinking Risk and Growth
Traditionally, we’ve been taught that as clients approach retirement, their investment portfolios should gradually be de-risked—transitioning to a point of near-zero risk once retirement begins. However, in the South African context, this approach may do more harm than good. With high inflation and ongoing currency depreciation, excessive exposure to local cash or bonds can significantly erode long-term purchasing power.