Category: Investing

I recently had a coaching session with a woman who is going through a divorce, she had reached out to me because she was expecting a cash windfall from the divorce settlement and she wanted to know that she would be making good financial decisions.

A cash windfall can come in different ways; winning the lotto, an insurance payout, an inheritance, a retrenchment package or a divorce settlement etc.

While we all wish to for a cash windfall that will change our financial lives for the better;

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Hi Tribe,

Last week Friday, I did a one-on-one coaching with a very money savvy lady who just needed a bit of direction in terms of the different investments available in the market. What struck me about her was her determination and astuteness in managing her money.

She’s young, earns an income between R10K-R15K, for some, this does not sound like it’s a lot, but what she has managed to do with her income is astounding!

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It’s important to understand which RA will suit your lifestyle

A retirement annuity (RA) is a pension plan designed for individuals to build up and accumulate money for retirement in a tax efficient way. It is a vehicle to save towards retirement.

Some benefits of an RA

  • You don’t pay tax on RA investment returns, such as interest income, dividends and capital gains.
  • The maximum tax-beneficial contribution is up to 27.5% of the greater remuneration or taxable income,

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The old way of thinking about retirement is becoming less and less attractive to the younger generation. It used to be that you work for one or two companies, have a career spanning +/- 40 years and only retire at age 65.

There is a generation of growing voices who want to retire early. Retirement has always been looked at from an age perspective and this way of thinking assumes that if you work for long enough and save money over 40 years,

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Much has been written about Tax-Free Savings Accounts (TFSA) since they launched but in light of the tax year coming to an end, it is always good to remind ourselves of the benefits of investing in one.

I must say, I have always frowned upon the name Tax-Free Savings Account as I feel that for many people it can be misleading and one might end up thinking of it as just another bank account where you save,

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There is a world of options when it comes to investing. Even a small amount can go far. Stick with it and it will work.

One of the most frequent questions I get is: “What can I invest in as a first-time investor who doesn’t have a big cash flow?”

This question excites me, as there are quite a few options available to investors, regardless of what they can afford. It goes to show that investing is not for the rich only,

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Hi Tribe,

So in late August, I had the tv on, getting ready to go to church, an advert came on about Impact Farming. I had heard the advert on radio before but never followed up on it. When I saw it on tv I finally decided to check it out!

My world has changed since!!! I have never been so excited about Investing as I have been with the Fedgroup Impact Farming app!

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Hey Tribe,

As I mentioned on Instagram (@womanandfinance) earlier this week; I wanna try something new here on the Woman & Finance website, I want to start doing podcasts where I share my thoughts  on different topics around money.

To begin with these type of podcasts, I thought it would be fun to start off by sharing with  you my own financial journey and how I manage my finances so far!

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According to annual BEE.conomics Transformation in SA Asset Management Survey published by 27four Investment Managers, there are currently 48 black asset management firms in South Africa and they manage only 10% or R490.3bn of the R5 trillion industry.

While there has been growth in the number black fund managers and their assets under management in the past couple of years, it has been painstakingly slow. So, why is this? Why don’t we have more black fund managers?

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George Soros once said, “If investing is entertaining, if you’re having fun, you’re probably not making any money. Good investing is boring.”

Investor Psychology is about the behaviour of investors; what they believe, how they act, what they do both in times of the bull market and bear market.

For most individuals, especially in South Africa the word investing in itself is not understood very well. I have had clients before who would ask me,

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