Insights categories - Personal investing

Personal investing

The secret to successful investing lies in your ability to make well-informed decisions and to stay committed long enough to reap the rewards. Here we provide valuable insights into the role you play in your long-term investment success.

Articles in "Personal investing"

Insights categories - Personal investing

Tips to help you get on top of your tax return this year

By Carrie Norden on 11 Jul 2024

Reading time: 9 mins

The South African Revenue Service (SARS) is focused on improving its systems and processes to ensure taxpayers comply with their legal obligations and file...

Insights categories - Personal investing

Investing amidst election season: The power of preparation, not prediction

By Nomi Bodlani on 22 May 2024

Reading time: 5 mins

If the election bug has bitten you and you are feeling jittery, you are not alone. Globally, investors are feeling fearful.

Insights categories - Personal investing

The power of perspective in an election year

By Marise Bester on 02 May 2024

Reading time: 10 mins

Many local investors are understandably worried about what the future holds and how the election may affect their wealth. Keeping perspective throughout your...

Insights categories - Personal investing

Five lessons for investing in uncertain times

By Tim Acker and Morgan Housel on 04 Apr 2024

Reading time: 7 mins

“As humans we are not good at predicting what is next, regardless of what anyone tells us. In the absence of a crystal ball, we can focus on what we can...

Insights categories - Personal investing

Endowments vs sinking funds: Which product is better suited for your needs?

By Jaya Leibowitz on 29 Feb 2024

Reading time: 8 mins

Endowments and sinking funds are useful financial products for efficient tax and estate planning. However, they are relatively complex and can be difficult t...

Insights categories - Personal investing

2024 Budget speech update

By Carrie Norden on 21 Feb 2024

Reading time: 7 mins

While South Africans battle with a cost-of-living crisis, rising unemployment and sluggish economic growth, Finance Minister Enoch Godongwana is faced with t...

Insights categories - Personal investing

2024 Budget: Walking a tightrope

By Carla Rossouw on 21 Feb 2024

Reading time: 7 mins

The stage was set for a much-anticipated 2024 Budget speech during an election year. 

Insights categories - Personal investing

How to set SMART money resolutions

By Nomi Bodlani on 13 Feb 2024

Reading time: 7 mins

Many South Africans make money resolutions at the start of the year. But come mid-year, when the optimism of the new year has faded, seeing through these goa...

Insights categories - Personal investing

Timeless lessons on risk, opportunity and living a good life – with Morgan Housel

By Tim Acker on 12 Feb 2024

Listening time: 53 min

With 2024 set to be a news-heavy year, investors are speculating about everything from what interest rates might do next, to the outcome of elections around...

Insights categories - Personal investing

Tap into tax benefits this February

By Carla Rossouw on 01 Feb 2024

Reading time: 15 mins

The end of the tax year in February presents an opportunity to evaluate the tax efficiency of your financial plan. With many competing financial priorities i...

Insights categories - Personal investing

Investing for education in an inflationary environment

By Shaheed Mohamed on 10 Jan 2024

Reading time: 6 mins

Parents can expect little relief in 2024, with reports suggesting that fee hikes for South African schools will yet again come in above general inflation,...

Insights categories - Personal investing

Offshore toolkit part 4: Beneficiary payments to foreign bank accounts after death

By Alix Moreillon on 20 Oct 2023

Reading time: 8 mins

As mentioned in Part 3 of our Offshore toolkit series, the Currency and Exchanges Manual for Authorised Dealers (“the Manual”) governs payments from South...

Insights categories - Personal investing

Offshore toolkit part 3: The lowdown on living annuity income payments to foreign bank accounts

By Alix Moreillon on 20 Oct 2023

Reading time: 7 mins

The rules around the payment of proceeds from South African long-term insurance policies to foreign bank accounts can be confusing. Alix Moreillon, legal...

Insights categories - Personal investing

Offshore toolkit part 1: Understanding your tax obligations on leaving South Africa

By Carla Rossouw on 20 Oct 2023

Reading time: 10 mins

In part 1 of our Offshore toolkit series, Carla Rossouw, head of Tax, untangles the tax complexities you may encounter when you end your tax residency and...

Insights categories - Personal investing

How to use financial products to enhance estate planning

By Felicia Hlophe on 11 Sep 2023

Reading time: 10 mins

Felicia Hlophe, legal adviser at Allan Gray, summarises four key estate planning principles and explains how some financial products can be used to provide a...

Insights categories - Personal investing

Principles for successful investing from the world of sport

By Tebogo Marite on 05 Sep 2023

Reading time: 5 mins

Nothing quite unites South Africans like a good sporting event. During the months of July and August, South African sports fans were spoiled for choice as tw...

Insights categories - Personal investing

Three golden rules for achieving long-term, real investment returns

By Earl Van Zyl on 07 Aug 2023

Reading time: 7 mins

Whether you are accumulating capital for retirement, school or university expenses for your children or simply trying to ensure that you have money saved for...

Insights categories - Personal investing

Risk: An essential ingredient for real long-term returns

By Nomi Bodlani on 31 Jul 2023

Reading time: 14 mins

When it comes to investing, no investor wants to lose money. In fact, as humans, we have a built-in aversion to loss. Unfortunately, by overly focusing on...

Insights categories - Personal investing

Are you ready for the 2023 tax-filing season?

By Meagan Fraser on 06 Jul 2023

Reading time: 11 mins

It is important for taxpayers to understand their filing obligations so that they can ensure compliance. Meagan Fraser covers the key dates to be aware of fo...

Insights categories - Personal investing

The cost of waiting to save

By Shaun Duddy on 26 Jun 2023

Reading time: 4 mins

Whether you want to save for your retirement, a child’s education or an overseas trip, starting now can significantly reduce the cost of reaching your goals....

Insights categories - Personal investing

How staying the course gives you the long-term edge

By Thandi Skade on 04 May 2023

Reading time: 8 mins

In a world where instant gratification is king, it can be hard not to get distracted by the lure of short-term gains. But taking a long-term view of your...

Insights categories - Personal investing

Unpacking the changes to the retirement fund lump sum tax tables

By Carrie Norden on 11 Apr 2023

Reading time: 12 mins

To account for the impact of inflation, this year’s National Budget introduced changes to the retirement fund lump sum tax tables for retirement fund cash lu...

Insights categories - Personal investing

How to plan for an emergency fund in 2023

Reading time: 6 mins

How should investors approach unexpected expenses in 2023? Gladness Rupare, investment specialist, Sandy McGregor, portfolio manager, and Emily Gray, busines...

Insights categories - Personal investing

2023 Budget: A taxing balance

By Carla Rossouw on 22 Feb 2023

Reading time: 5 mins

The 2023 Budget speech was delivered against the backdrop of high living costs, a dismal unemployment rate and intensive loadshedding crippling businesses, a...

Insights categories - Personal investing

2023 Budget speech update

By Carrie Norden on 22 Feb 2023

Reading time: 11 mins

The 2023 Budget speech was delivered against the backdrop of high living costs, a dismal unemployment rate and intensive loadshedding crippling businesses, a...

Insights categories - Personal investing

Tax tips as we head into the 2023 tax season

By Carla Rossouw on 31 Jan 2023

Reading time: 11 mins

The end of February sees the tax year draw to a close – an opportune time to ensure that your tax affairs, and tax details, are up to date, and to consider...

Insights categories - Personal investing

Are you making the most of your tax-free investment account?

By Tamryn Lamb and Twanji Kalula on 23 Jan 2023

Reading time: 13 mins

Tamryn Lamb and Twanji Kalula unpack the pros and cons of using tax-free investment accounts over the long term and explain how they can be used to complemen...

Insights categories - Personal investing

How to overcome the fear of losing money

By Lydia Fourie on 07 Dec 2022

Reading time: 5 mins

Research shows that our brains are hardwired to avoid loss. This behavioural bias can often drive us to make irrational decisions, especially when it comes t...

Insights categories - Personal investing

How to pave the way for better decisions

By Mthobisi Mthimkhulu on 18 Nov 2022

Reading time: 7 mins

The decisions we make are a function of the environment that we are in, according to behavioural economists. Put in a different environment, or faced with a...

Insights categories - Personal investing

Who’s right – personal finance experts or economists?

By Earl Van Zyl on 16 Nov 2022

Reading time: 6 mins

When it comes to managing your wealth, there’s a yawning gap between what personal finance pundits advocate and what economists believe. Who should you liste...

Insights categories - Personal investing

Investing – risky business?

By Lydia Fourie on 27 Oct 2022

Reading time: 11 mins

Understanding your investments, and the risks you may face when investing, can go a long way towards helping you successfully navigate trying times. Lydia...

Insights categories - Personal investing

Putting the "personal" back into personal finance

By Tamryn Lamb on 20 Oct 2022

Reading time: 5 mins

Tamryn Lamb, head of Retail, examines the value that independent financial advice brings to long-term investing success.

Insights categories - Personal investing

Why financial optimism matters and how to find it when the world is a mess

By Lise-Mari Crafford on 28 Sep 2022

Reading time: 6 mins

Lise-Mari Crafford, head of ManCo Distribution, discusses why being optimistic about our personal finances matters, and how we can look on the bright side wh...

Insights categories - Personal investing

Get your affairs in order during National Wills Week

By Jaya Leibowitz on 09 Sep 2022

Reading time: 12 mins

It is difficult to confront our mortality, but the fact is that we are all going to die one day and leave our loved ones behind. As a result, it is important...

Insights categories - Personal investing

Five financial lessons for women

By Tamryn Lamb on 12 Aug 2022

Reading time: 5 mins

In honour of Women’s Month, Tamryn Lamb, head of Retail Distribution, reflects on the top five financial lessons she has learnt along her investment journey.

Insights categories - Personal investing

What happens to your minor children when you die?

By Felicia Hlophe on 28 Jul 2022

Reading time: 11 mins

While undoubtedly the worst-case scenario to consider, as parents, we need to make sure our children’s needs are accounted for in the tragic event of our...

Insights categories - Personal investing

How not to be a ‘financial nihilist’

By Nomi Bodlani on 20 Jul 2022

Reading time: 6 mins

According to an article recently published in The New York Times, there is a new phenomenon gaining momentum: Disillusioned by the current state of the...

Insights categories - Personal investing

Lessons for building long-term wealth

By Candace Maung on 13 Jul 2022

Viewing time: 57 min

Cracking the code to building wealth doesn’t happen overnight, but it can be achieved by taking a series of small steps over time. During a recent Youth Mont...

Insights categories - Personal investing

Are you ready for the 2022 modernised tax-filing season?

By Liezl Alberts on 07 Jul 2022

Reading time: 11 mins

As SARS rolls out changes to simplify and shorten tax-filing season, tax specialist Liezl Alberts reviews what has changed this year and outlines who must fi...

Insights categories - Personal investing

Saving in a rising interest rate environment

By Cedrick Pila on 22 Jun 2022

Reading time: 3 mins

With interest rates and inflation on the rise, Cedrick Pila, regional manager, discusses how investors can achieve real returns and protect their savings and...

Insights categories - Personal investing

Navigating the impact of world events on your investments

By Nomi Bodlani on 18 May 2022

Reading time: 6 mins

In just two years, major world events have run a terrifying course, from a health pandemic and ensuing market and social distress to a geopolitical threat...

Insights categories - Personal investing

Should I invest 45% of my portfolio offshore?

By Earl Van Zyl on 26 Apr 2022

Reading time: 11 mins

In the February 2022 Budget speech, the National Treasury announced significant changes to the framework that governs how much of South African retirement...

Insights categories - Personal investing

How SARS has changed tax for annuitants

By Carrie Norden on 26 Apr 2022

Reading time: 11 mins

The South African Revenue Service recently changed the way tax is calculated for living annuitants. Carrie Norden discusses the rationale behind this change...

Insights categories - Personal investing

Should rules of thumb be used to plan for retirement?

By Thandi Skade on 26 Apr 2022

Reading time: 9 mins

There are several rules of thumb that are referred to in investing. Many of them have become widely accepted standards for determining how much to save for...

Insights categories - Personal investing

How to avoid being scammed

By Phiko Peter on 01 Apr 2022

Reading time: 7 mins

Phiko Peter discusses popular investment scams and shares some tips on how to protect yourself from becoming a victim.

Insights categories - Personal investing

Contextualising retirement reforms in South Africa

By Jaya Leibowitz on 10 Mar 2022

Viewing time: 1 min

National Treasury has proposed retirement reforms aimed at enabling retirement savers to better balance short- and long-term needs and boosting the governanc...

Insights categories - Personal investing

Making sense of changing tax laws

By Komil Gordhan on 10 Mar 2022

Viewing time: 1 min

1 March marked the beginning of the 2022/2023 tax year and ushered in new tax laws pertaining to, among others, retirement fund products and fixed tax rates...

Insights categories - Personal investing

A responsible Budget signalling optimism

By Carla Rossouw on 23 Feb 2022

Reading time: 4 mins

The high cost of living, fuelled by rising inflation, significant fuel price increases and a series of interest rate hikes (which are likely set to continue)...

Insights categories - Personal investing

2022 Budget speech update

By Carrie Norden on 23 Feb 2022

Reading time: 10 mins

Finance Minister Enoch Godongwana delivered his maiden Budget speech on Wednesday, 23 February. He noted that although the easing of COVID-19-related...

Insights categories - Personal investing

How to maximise tax benefits before the end of February

By Carla Rossouw on 15 Feb 2022

Reading time: 7 mins

In the spirit of tax season, Carla Rossouw, tax lead at Allan Gray, discusses how investors can make their money work harder using tax breaks. This is always...

Insights categories - Personal investing

The ABCs of being financially savvy

By Nomi Bodlani on 28 Jan 2022

Reading time: 5 mins

Understanding the language of finance can help us to better achieve our financial outcomes. Nomi Bodlani, head of Strategic Markets, discusses why knowledge ...

Insights categories - Personal investing

Save now for your child’s education to avoid future pain

By Saleem Sonday on 28 Jan 2022

Reading time: 4 mins

Putting aside money every month to fund your child’s future studies may seem like a huge ask, but it will be worth it in the end, especially in light of...

Insights categories - Personal investing

How to apply “cathedral thinking” in your investment approach

By Marise Bester and Daniella Bergman on 27 Jan 2022

Reading time: 14 mins

The prolonged stress of the pandemic has heightened many investors’ focus on the now, interfering with the ability to make sound decisions that improve the...

Insights categories - Personal investing

Part 4: The role of financial advice in your investment success

By Carla Rossouw on 14 Dec 2021

Reading time: 4 mins

You wouldn’t gamble with your health by not seeing a professional, why do it with your financial future? Consult an independent financial adviser to help you...

Insights categories - Personal investing

Part 3: How to maximise tax benefits before the end of the tax year

By Carla Rossouw on 14 Dec 2021

Reading time: 9 mins

The end of February is the end of the tax year – a great time to take a close look at your investments and consider taking maximum advantage of the incentive...

Insights categories - Personal investing

Part 2: How can I earn higher investment returns and pay less tax?

By Carla Rossouw on 14 Dec 2021

Reading time: 8 mins

It’s important to understand how taxes are applied in different investment products and how this ultimately impacts your investment returns.

Insights categories - Personal investing

Part 1: How to be more tax savvy

By Carla Rossouw on 14 Dec 2021

Reading time: 3 mins

If, like most of us, you would like to see more return in your account and less in the hands of the tax man, it is important to engage with the details to...

Insights categories - Personal investing

Personal finance lessons from Squid Game

By Cedrick Pila on 03 Dec 2021

Reading time: 8 mins

Netflix’s smash hit show Squid Game may not be for everyone due to its shock factor and gruesome violence, but it is a relatable story that hits close to hom...

Insights categories - Personal investing

Should you revenge spend on travel this holiday season?

By Nomi Bodlani on 24 Nov 2021

Reading time: 7 mins

With more countries opening their borders to South Africans, travel opportunities abound. If you’re thinking of splurging on a trip this holiday season, you...

Insights categories - Personal investing

Don’t let December derail your long-term plans

By Phiko Peter and Tinashe Kunaka on 24 Nov 2021

Reading time: 4 mins

As we approach the proverbial finish line after a long year, most of us are looking forward to a well-deserved break. However, as we focus on making memories...

Insights categories - Personal investing

Savings clubs: A tool to build wealth

By Tinashe Kunaka on 26 Oct 2021

Reading time: 5 mins

Each year, over 11 million South Africans use savings clubs and stokvels to save more than R50 billion. The tried-and-tested benefits of saving as part of a...

Insights categories - Personal investing

Financial advice helps you sail through your investment journey

By Cedrick Pila on 18 Oct 2021

Reading time: 4 mins

Have you considered engaging the services of a good, independent financial adviser? Cedrick Pila explains why having a financial adviser is much like going o...

Insights categories - Personal investing

How to do long term

By Morgan Housel on 11 Oct 2021

Reading time: 8 mins

Adopting a long-term mindset sits at the heart of our investment philosophy. But what does it really mean and how can one do this effectively?

Insights categories - Personal investing

Financial words of wisdom for every woman this Women’s Month

By Nomi Bodlani on 23 Aug 2021

Reading time: 5 mins

During the month of August, in which South Africa observes Women’s Day, it is important to shine the spotlight on some of the difficult conversations that ma...

Insights categories - Personal investing

Overcome impostor syndrome this Women’s Month and own your throne

By Candace Maung on 11 Aug 2021

Viewing time: 4 mins

This pandemic has been a blunt reminder that while we can’t control our environment, there is no time like the present to take control of our journeys, or to...

Insights categories - Personal investing

Understand the new rules around citizenship, exchange control and tax residency

By Carla Rossouw and Jaya Leibowitz on 03 Aug 2021

Reading time: 19 mins

The concept of “emigration”, as recognised by the Financial Surveillance Department of the South African Reserve Bank (SARB), has been phased out, with effec...

Insights categories - Personal investing

How to own your throne

By Tamryn Lamb on 03 Aug 2021

Viewing time: 1 min

In the spirit of paying it forward, six inspiring women from Allan Gray and the financial advice arena, shares insights on how to take ownership of your...

Insights categories - Personal investing

Unpacking saving and investing

By Cedrick Pila on 28 Jul 2021

Viewing time: 1 min

Saving and investing are both important ingredients for building a sound financial foundation, but they are not the same thing. They have different purposes...

Insights categories - Personal investing

Investment lessons for sharing

By Daniella Bergman on 26 Jul 2021

Reading time: 16 mins

Money is a polarising topic, yet it is an important subject that greatly influences all of our lives. Opening up the space for money conversations can...

Insights categories - Personal investing

Get your investment questions answered

By Leaveil Des Fountain on 23 Jul 2021

Viewing time: 1 min

The pandemic continues to impact all South Africans and has resulted in many of us having to make difficult decisions about money. Some of us have had to tap...

Insights categories - Personal investing

Financial lessons from a father

By Saleem Sonday on 19 Jul 2021

Reading time: 7 mins

July is Savings Month in South Africa, an opportune time to share savings and investment lessons. Saleem Sonday, dad to four children between the ages of 8 a...

Insights categories - Personal investing

Savings Month: The first step is critical, the next steps make the difference

By Chris Tisdall on 19 Jul 2021

Reading time: 4 mins

Making your first contribution into a unit trust, be it a lump sum or monthly debit order, is a commendable first step on your investment journey, but there...

Insights categories - Personal investing

Do I need to file an income tax return for the 2021 tax year?

By Liezl Alberts on 01 Jul 2021

Reading time: 9 mins

The South African Revenue Service (SARS) continues to focus on introducing online and digital services, simplifying the tax-filing process, and making it...

Insights categories - Personal investing

Levelling up your finances as a young professional

By Leaveil Des Fountain on 30 Jun 2021

Viewing time: 1 min

As young people, it is easy to make financial decisions that benefit us in the moment at the expense of our future needs.

Insights categories - Personal investing

Five ways to build a solid financial foundation

By Phiko Peter on 15 Jun 2021

Reading time: 7 mins

Most of us start our careers in our early twenties and plan to earn an income for about four decades before reaching retirement age. Along the way we will...

Insights categories - Personal investing

Ease the gateway to adulthood with the gift of an investment

By Odirile Sebolao on 15 Jun 2021

Reading time: 6 mins

Time is a key ingredient in investing, and our dependants are ideally placed to benefit from its magic. Consider starting an investment in your child’s name...

Insights categories - Personal investing

The dangers of social media financial advice

By Nomi Bodlani on 29 Apr 2021

Reading time: 4 mins

The recent FinTok craze on social media platform, TikTok, has opened the door for scammers and fraudsters to take advantage of unsuspecting users who source...

Insights categories - Personal investing

How to entrench positive COVID-19-enforced changes

By Daniella Bergman on 18 Mar 2021

Reading time: 8 mins

Few have escaped the devastating loss of lives and livelihoods wrought by the COVID-19 pandemic, but many have also made positive changes, particularly to...

Insights categories - Personal investing

2021 Budget speech update

By Carrie Norden on 25 Feb 2021

Reading time: 7 mins

Finance Minister Tito Mboweni delivered the Budget speech on Wednesday, 24 February. Against the backdrop of the COVID-19 pandemic, the Budget was more...

Insights categories - Personal investing

2021 Budget signals hope for SA taxpayers

By Carla Rossouw and Sandy McGregor on 24 Feb 2021

Reading time: 3 mins

Minimal tax measures aim to bring relief to taxpayers and bolster economy.

Insights categories - Personal investing

What can we expect from the 2021 Budget?

By Carla Rossouw on 18 Feb 2021

Reading time: 5 mins

It is that time of the year again, we are holding our breath to see what the 2021 Budget speech will deliver against a backdrop of the devastating loss,...

Insights categories - Personal investing

Investing with tax benefits in mind during uncertain times

By Carla Rossouw on 15 Feb 2021

Reading time: 4 mins

Amid the extreme uncertainty brought on by COVID-19 and the ongoing lockdown restrictions, investors are tasked with looking beyond the current crisis and...

Insights categories - Personal investing

Habits that set successful investors apart

By Nomi Bodlani on 27 Jan 2021

Reading time: 5 mins

When investing, sometimes the best course of action is to do nothing. Having the ability to block out the noise, and look through the cycle, are some of the...

Insights categories - Personal investing

Your questions answered

By Mthobisi Mthimkhulu on 26 Jan 2021

Viewing time: 58 mins

As you embark on your investing journey, you’re likely to have a number of unanswered questions. In the final instalment of our 6-part Personal investing 101...

Insights categories - Personal investing

Understand your total tax liability if you have multiple sources of income

By Carla Rossouw on 15 Jan 2021

Reading time: 7 mins

If you have multiple sources of income, you must ensure that the correct tax rate is being applied by your employer and/or annuity provider – or you could be...

Insights categories - Personal investing

Ready, set, invest

By Lise-Mari Crafford on 14 Dec 2020

Viewing time: 59 mins

Starting a new long-term investment is less daunting when you follow a methodical approach. In the fifth instalment of our 6-part Personal investing 101...

Insights categories - Personal investing

Get serious with your online security

By Werner Lunow on 25 Nov 2020

Reading time: 6 mins

Fraudsters will pull out all stops to impersonate Allan Gray, such as replicating Allan Gray emails and forms and even posing as Allan Gray representatives o...

Insights categories - Personal investing

Understanding investment accounts

By Tamryn Lamb on 17 Nov 2020

Viewing time: 56 mins

Making sure that you choose appropriate investment accounts for your various financial goals is an essential part of the investing process. In the third of s...

Insights categories - Personal investing

Choosing an investment manager

By Vuyo Nogantshi on 03 Nov 2020

Viewing time: 1 hr 5 seconds

South African investors have access to a wide range of investment managers with different styles and areas of expertise. Narrowing down your options can be a...

Insights categories - Personal investing

Are you sitting on savings you could be investing?

By Nomi Bodlani on 30 Oct 2020

Reading time: 5 mins

The COVID-19 pandemic has affected people's finances in very different ways. While it has highlighted the need for emergency savings as a buffer against toug...

Insights categories - Personal investing

Investing unpacked

By Nomi Bodlani on 20 Oct 2020

Viewing time: 1 hr 1 min 8 seconds

In the first of six webinars in the Personal investing 101 series, Gugulethu Mfuphi chats to Allan Gray’s Faizil Jakoet, Chris Tisdall and Nomi Bodlani about...

Insights categories - Personal investing

Has your risk perception changed as a result of the market crisis?

By Marise Bester on 16 Oct 2020

Reading time: 9 mins

Historically, deep economic shocks have prompted significant changes in investment and saving behaviour. During times of uncertainty, investors scramble to...

Insights categories - Personal investing

Money lessons from the arcade

By Emmanuella Fernandes on 24 Sep 2020

Reading time: 5 mins

Throughout Heritage Month, South Africans are encouraged to celebrate their culture and the diversity of their beliefs, histories, and traditions. In the...

Insights categories - Personal investing

Building a legacy: Part 2

By Phiko Peter on 23 Sep 2020

Reading time: 56 mins 32 seconds

Successfully building a legacy for our loved ones hinges on the strategies we put in place to achieve our financial goals. In the second of a two-part Zoom...

Insights categories - Personal investing

How to spring clean your financial habits

By Noluyolo Betela on 16 Sep 2020

Reading time: 6 mins

Whether you celebrate spring on the first of September or on the 22 nd of the month to coincide with the September Equinox – the official start of the new...

Insights categories - Personal investing

Building a legacy: Part 1

By Noluyolo Betela on 15 Sep 2020

Reading time: 6 mins

Achieving financial freedom and building a lasting financial legacy is a goal for many South Africans. In the first of a two-part Zoom webinar, hosted by...

Insights categories - Personal investing

Look in, reach out

By Tamryn Lamb on 27 Aug 2020

Viewing time: 1 hr 6 mins 22 seconds

Internationally acclaimed life coach, author, motivational speaker, and entrepreneur, Valorie Burton, explores how we can develop strength and resilience...

Insights categories - Personal investing

Looking at the woman in the mirror

By Noluyolo Betela on 19 Aug 2020

Viewing time: 1 hr 3 mins 35 seconds

The current pandemic may have thrown things out of kilter, but it has also provided us with an opportunity to reflect on all the aspects of our lives,...

Insights categories - Personal investing

Lessons from lockdown

By Tamryn Lamb on 19 Aug 2020

Viewing time: 11 mins 9 seconds

It is often said that challenges enable us to discover things about ourselves that we didn’t know. If this is true, 2020 has undoubtedly been a year of...

Insights categories - Personal investing

Should I file a tax return for the 2020 tax year?

By Carrie Norden on 31 Jul 2020

Reading time: 9 mins

In response to COVID-19, the South African Revenue Service (SARS) has tried to simplify the tax filing process for individual taxpayers and remove the need t...

Insights categories - Personal investing

Personal finance mistakes to avoid in your 20s

By Nomi Bodlani on 27 Jul 2020

Reading time: 10 mins

Nomi Bodlani reflects on common personal finance and investment mistakes investors tend to make in their 20s. If you can avoid these, you can better position...

Insights categories - Personal investing

What advice would I give to the 30-year-old me?

By Tamryn Lamb on 27 Jul 2020

Reading time: 7 mins

Your 40s are known to be a challenging decade financially, typically balancing the demands of lifestyle costs, children and their education, ageing parents a...

Insights categories - Personal investing

When the reality of saving for retirement sets in

By Sikho Tatana on 27 Jul 2020

Reading time: 6 mins

As you approach your peak earning years and start to reap the rewards of the time and effort you have invested in your career, saving for retirement takes on...

Insights categories - Personal investing

What I wish I knew about personal finance and investing when I started working

By Phiko Peter on 27 Jul 2020

Reading time: 6 mins

A first pay cheque tends to mark the start of adulthood and, with a bit of discipline, can mark your first tentative step towards financial independence. Phi...

Insights categories - Personal investing

Investment challenges older investors face

By Sandy McGregor on 27 Jul 2020

Reading time: 4 mins

Older investors face a host of challenges entirely different to those faced by their young selves. Sandy McGregor offers a wise perspective for those of this...

Insights categories - Personal investing

Do you have an emergency fund?

By Noluyolo Betela on 01 Jul 2020

Reading time: 10 mins

By proactively building emergency reserves, you will be able to respond to life’s crises without compromising your financial standing, or taking on expensive...

Insights categories - Personal investing

Take charge of your finances during COVID-19

By Leaveil Des Fountain on 17 Jun 2020

Reading time: 1 min

As we think about the day-to-day impact of the COVID-19 pandemic on our families, friends, colleagues and communities, it’s easy to lose sight of our long-te...

Insights categories - Personal investing

Part 1: Staying future focused amid a global pandemic

By Nomi Bodlani on 09 Jun 2020

Reading time: 7 mins

As world leaders grapple with the broader challenges brought on by the COVID-19 pandemic, it has become apparent that the socioeconomic consequences will...

Insights categories - Personal investing

Part 2: How to recalibrate your budget in the wake of COVID-19

By Tamryn Lamb on 09 Jun 2020

Reading time: 9 mins

As we all long for the life we had before COVID-19, are there any adjustments from the life that’s been thrust upon us that should be incorporated? Tamryn La...

Insights categories - Personal investing

Part 3: How to be a resilient investor

By Lise-Mari Crafford on 09 Jun 2020

Reading time: 8 mins

To be a successful investor, you need to understand what you are getting yourself into upfront, make sure you are comfortable, and then buckle in for the rid...

Insights categories - Personal investing

Part 5: Why every investor needs an independent adviser right now

By Cedrick Pila on 09 Jun 2020

Reading time: 6 mins

Investors are panicked and who can blame them? The market volatility has persuaded some to run for the hills and never look back, while others may be tempted...

Insights categories - Personal investing

Look after your financial health during COVID-19

By Lettie Mzwinila on 02 Jun 2020

Reading time: 4 mins

With the COVID-19 pandemic spreading across the globe, remaining healthy is naturally top of mind. While we are all prioritising the health and wellbeing of...

Insights categories - Personal investing

Optimism in a time of distress

By Lise-Mari Crafford on 23 Apr 2020

Reading time: 9 mins

As we pull together as a nation struggling to come to terms with the health and financial crises we face, is there any room at all for optimism? Lise-Mari...

Insights categories - Personal investing

Avoid "hot thinking" when it comes to your investments

By Nomi Bodlani on 23 Apr 2020

Reading time: 5 mins

The markets have plunged in the face of COVID-19. The temptation to disinvest and wait on the sidelines for things to improve is real. But is this a form of...

Insights categories - Personal investing

Managing your portfolio through COVID-19

By Marise Bester on 13 Apr 2020

Reading time: 9 mins

In just a matter of weeks our world has changed dramatically. In an attempt to make sense of it all, we look for information that will provide us with a sens...

Insights categories - Personal investing

How to cope with the trauma of the COVID-19 crisis

By Mthobisi Mthimkhulu on 06 Apr 2020

Reading time: 9 mins

And so the three-week lockdown is underway. While it feels like surely this must be a bad dream from which we will soon awake, it is our new reality.

Insights categories - Personal investing

New tax laws for expats

By Carla Rossouw on 03 Mar 2020

Reading time: 10 mins

The laws around tax for South Africans who live and work abroad have changed and it’s important to work out whether or not you are now expected to pay tax on...

Insights categories - Personal investing

2020 Budget speech update

By Carla Rossouw on 27 Feb 2020

Reading time: 8 mins

Finance Minister Tito Mboweni delivered the Budget speech on Wednesday, 26 February. In this document we highlight some of the 2020 Budget tax proposals that...

Insights categories - Personal investing

2020 Budget: Stuck between a rock and a hard place

By Carla Rossouw on 25 Feb 2020

Reading time: 4 mins

A revenue shortfall of R50bn was announced in the Medium-Term Budget Policy Statement (MTBPS) in October 2019, and this sets the scene for the 2020 Budget....

Insights categories - Personal investing

Making the most of personal tax incentives

By Carrie Norden on 12 Feb 2020

Reading time: 9 mins

After spending decades nurturing their careers, most people hope to enjoy the fruits of their labour in the form of a sustainable income in retirement. Makin...

Insights categories - Personal investing

Beware of recency bias when making investment decisions

By Beatri Faul on 29 Jan 2020

Reading time: 9 mins

Over the past year, we have seen local investments streaming towards bonds and cash – the top-performing asset classes for most of 2019. Are investors chasin...

Insights categories - Personal investing

Make the most of your tax benefits

By Carla Rossouw on 29 Jan 2020

Reading time: 2 mins

The South African Revenue Service (SARS) has put several tax incentives in place to encourage us to save more for our retirement and other long-term goals. Y...

Insights categories - Personal investing

The top four mistakes to avoid when saving for education

By Saleem Sonday on 17 Jan 2020

Reading time: 4 mins

As parents, we all want the best for our children, and this often includes being able to give them the best education that we can afford. In the journey to...

Insights categories - Personal investing

Facing the facts around retrenchment

By Carrie Norden on 11 Dec 2019

Reading time: 10 mins

With the latest GDP growth figures showing that the economy contracted 0.6% in the third quarter, SAA heading into business rescue, and the problems at Eskom...

Insights categories - Personal investing

Avoid being scammed this festive season

By Phiko Peter on 06 Dec 2019

Reading time: 5 mins

Aware that most of us are less vigilant as we ease into the festive season, scammers will be pulling out all the stops to line their pockets with our...

Insights categories - Personal investing

How to implement your New Year’s resolutions

By Braam Visser on 28 Nov 2019

Reading time: 7 mins

As the end of the year approaches, it is a good time to reflect on resolutions committed to in earnest back in January and take stock before the resolution...

Insights categories - Personal investing

How not to break the bank this festive season

By Lettie Mzwinila on 22 Nov 2019

Reading time: 5 mins

The end of 2019 is fast approaching and with many looking forward to downtime during the festive season, this shouldn’t mean breaking the bank, according to...

Insights categories - Personal investing

What can we learn from the Springboks when it comes to setting financial goals?

By Belinda Carbutt on 08 Nov 2019

Reading time: 5 mins

Rassie Erasmus took over as Springbok coach with 618 days to the Rugby World Cup. At the time the state of Springbok rugby was dire, with the team having los...

Insights categories - Personal investing

Q&A: What’s on your mind about the Allan Gray business?

By Earl Van Zyl on 28 Oct 2019

Reading time: 7 mins

We field a lot of questions from clients and advisers each week. Earl Van Zyl offers some answers to questions that are coming up frequently.

Insights categories - Personal investing

Are you financially resilient?

By Mthobisi Mthimkhulu on 23 Oct 2019

Reading time: 9 mins

Most of us know what it means to build resilience in the context of health and wellness: eat healthily, exercise regularly, get enough sleep and manage stres...

Insights categories - Personal investing

To file or not to file a tax return

By Carla Rossouw on 16 Oct 2019

Reading time: 6 mins

The South African Revenue Service’s (SARS’) 2019 tax season for non-provisional individual taxpayers officially started on 1 August 2019, with those filing v...

Insights categories - Personal investing

Seek financial advice to help you meet your financial goals

By Tamryn Lamb on 04 Oct 2019

Reading time: 6 mins

The spotlight falls on the importance of having a financial plan during Financial Planning Week, taking place from 7 to 11 October 2019. With this in mind,...

Insights categories - Personal investing

Savings clubs: A great way to invest

By Noluyolo Betela on 27 Sep 2019

Reading time: 7 mins

Many of us would like to put money aside for saving and investing but struggle to remain committed and disciplined each month. Being part of a savings club i...

Insights categories - Personal investing

How bias can sink your investment success

By Tamryn Lamb on 25 Sep 2019

Reading time: 5 mins

Everybody has biases. We make judgements about people, places, and of course, the markets. It is almost impossible not to allow the filters which are created...

Insights categories - Personal investing

Spring is here, it’s time to spring clean your finances

By Lettie Mzwinila on 25 Sep 2019

Reading time: 4 mins

The year is flying by, but don’t let it pass without taking stock of your financial decisions, writes Lettie Mzwinila.

Insights categories - Personal investing

The benefits of independent financial advice

By Tamryn Lamb on 20 Sep 2019

Viewing time: 5 mins 19 seconds

Many investors underplay the importance of financial advice to the detriment of the performance of their portfolios over time. A good financial adviser can...

Insights categories - Personal investing

National Wills Week: Time to review your will

By Mlulami Nxele on 16 Sep 2019

Reading time: 4 mins

National Wills Week, which takes place between 16 and 20 September, is the perfect opportunity to review your will, or get a will drafted for free.

Insights categories - Personal investing

Avoid common behavioural biases when investing

By Maria Konnikova on 23 Aug 2019

Viewing time: 1 min

Poker is known as a wicked environment: a setting that is dynamic and uncertain; where things are hidden, and you don’t always have all the information on...

Insights categories - Personal investing

How poker taught me to make better decisions

By Maria Konnikova on 30 Jul 2019

Reading time: 7 mins

Psychologist, bestselling author and professional poker player, Maria Konnikova, recently inspired delegates at the Allan Gray Investment Summit 2019 to make...

Insights categories - Personal investing

Don't let your hard-earned savings go unclaimed

By Tim Molloy on 29 Jul 2019

Reading time: 7 mins

According to reports, more than R17bn lies potentially unclaimed in unit trusts and policies. Tim Molloy explains how you can ensure this doesn’t happen to...

Insights categories - Personal investing

Should you take investment advice from family and friends?

By Lettie Mzwinila on 29 Jul 2019

Reading time: 9 mins

Your friends and family may offer you financial advice with good intentions, but you should be wary of basing your investment decisions purely on stories...

Insights categories - Personal investing

Can you save more?

By Lettie Mzwinila on 26 Jul 2019

Reading time: 4 mins

Whether you are just doing a regular check up on your long-term investments or evaluating your monthly savings plan, it is a good idea to review your financi...

Insights categories - Personal investing

How to get into the habit of saving this Savings Month

By Lettie Mzwinila on 18 Jul 2019

Reading time: 7 mins

If you have tried to kick the sugar habit and eat only healthy food, or give up cigarettes and replace the habit with going to the gym, you can probably atte...

Insights categories - Personal investing

Steps to improve your investment decision making

By Didintle Mokonoto on 17 Jul 2019

Reading time: 7 mins

Deterred by the large number of investment options available, many would-be investors fail to make the most important decision: the decision to start. Becomi...

Insights categories - Personal investing

CASE STUDY 2: Long-term investing for your child’s education

Reading time: 2 mins

Meet parents Wayne and Makgabo van Niekerk from Johannesburg. They are paying for Ceana (six) and three-year-old Amber’s early education (crèche and primary...

Insights categories - Personal investing

CASE STUDY 1: Investing to pay school fees upfront for the year

Reading time: 3 mins

A Johannesburg mother saves on fees by taking advantage of the discount offered by some schools to settle the year’s fees in full at the beginning of the yea...

Insights categories - Personal investing

PART 5: The role of financial advice in your investment success

By Saleem Sonday on 16 Jul 2019

Reading time: 7 mins

You wouldn’t gamble with your health by not seeing a professional, why do it with your financial future? Consult an independent financial adviser to help you...

Insights categories - Personal investing

PART 4: Investing offshore to finance international education

By Saleem Sonday on 16 Jul 2019

Reading time: 7 mins

It’s hard to make space for saving in our already-stretched budgets, but what about those of us who have children aspiring to spread their wings by studying...

Insights categories - Personal investing

PART 3: What are the best investment options for education savings?

By Saleem Sonday on 16 Jul 2019

Reading time: 9 mins

With the cost of education soaring, relying purely on your salary to finance your children’s education is becoming increasingly difficult. Consider saving fo...

Insights categories - Personal investing

PART 2: Saving for education – later is still better than never

By Saleem Sonday on 16 Jul 2019

Reading time: 7 mins

When it comes to paying for the best education for your child, making small sacrifices early on and taking a long-term approach to investing is the smart thi...

Insights categories - Personal investing

PART 1: How to overcome the growing cost of education

By Saleem Sonday on 16 Jul 2019

Reading time: 6 mins

Do you feel overwhelmed at the thought of how you will finance your children’s education? You are not alone. We all want to empower our children by giving th...

Insights categories - Personal investing

Ready… set… invest

By Mthobisi Mthimkhulu on 20 Jun 2019

Reading time: 1 min

Investing is not a complicated activity only for rich people. It’s a great way to create financial security and everyone – even you – should get started,...

Insights categories - Personal investing

If it sounds too good to be true, it probably is

By Phiko Peter on 18 Jun 2019

Reading time: 8 mins

Over the last two decades advances in digital technology have changed the way we shop, bank and manage our investments. In the spirit of empowering millennia...

Insights categories - Personal investing

Can you live your best life and save for the long term?

By Noluyolo Betela on 10 Jun 2019

Reading time: 7 mins

Here’s something you don’t often hear about millennials: We are better money savers than our elders, but does that translate into long-term wealth?

Insights categories - Personal investing

Grow your wealth by attending the Allan Gray Investment Summit

By Tamryn Lamb on 24 May 2019

Reading time: 3 mins

After successfully bringing together renowned investment experts from all over the globe for two consecutive years to sold-out audiences, the Allan Gray...

Insights categories - Personal investing

Unravelling your residencies – exchange control, tax and citizenship

By Sunèl Delport and Mlulami Nxele on 10 May 2019

Reading time: 15 mins

South Africans who live and work abroad are not currently subject to income tax on the income they earn outside of South Africa, provided they spend more tha...

Insights categories - Personal investing

Investors need to block out 'noise' ahead of elections

By Rob Formby on 06 May 2019

Reading time: 3 mins

It is understandable for investors to feel jittery in the run-up to the national elections, but giving too much air time to market noise is never a good idea...

Insights categories - Personal investing

Have you chosen the right unit trust?

By Lettie Mzwinila on 29 Apr 2019

Reading time: 8 mins

It’s a good idea to review your investments about once a year to make sure that things are on track. But what if they aren’t? How can you tell if “this, too,...

Insights categories - Personal investing

Diminished mental capacity: What happens to a person's investments?

By Jaya Leibowitz on 29 Apr 2019

Reading time: 7 mins

Investors are generally unaware of the consequences of impaired mental capacity, resulting from neurocognitive disorders such as Alzheimer’s disease, when it...

Insights categories - Personal investing

How you can influence your investment outcomes

By Lettie Mzwinila on 16 Apr 2019

Reading time: 6 mins

After an undeniably tough 2018, the local market staged a turnaround during the first quarter. But the atmosphere in the country is blowing hot and cold: As...

Insights categories - Personal investing

2019 Budget speech update

By Carla Rossouw on 20 Feb 2019

Reading time: 8 mins

Finance Minister Tito Mboweni delivered his maiden budget speech on Wednesday 20 February. In this document we highlight some of the 2019 Budget tax proposal...

Insights categories - Personal investing

Budget 2019: Focus shifts to restoring credibility

By Carla Rossouw on 20 Feb 2019

Reading time: 4 mins

Finance Minister Tito Mboweni’s maiden Budget Speech didn’t deliver any major punches such as 2018’s surprise 1% VAT hike, but instead sought to acknowledge...

Insights categories - Personal investing

Is there any tax benefit in saving over the annual tax deductible amount towards retirement?

By Carrie Norden on 05 Feb 2019

Reading time: 9 mins

One of the key benefits of investing for retirement using a retirement fund is the generous tax deduction for contributions, subject to a maximum of 27.5% of...

Insights categories - Personal investing

The trouble with switching

By Mthobisi Mthimkhulu on 25 Jan 2019

Reading time: 8 mins

During periods of underperformance, even the most experienced investors get tempted to switch funds in search of better returns. However, switching funds in...

Insights categories - Personal investing

Give your finances a fresh start

By Ciani Gower on 24 Jan 2019

Reading time: 7 mins

The first few weeks of a new year can feel like a clean slate: Past imperfections are relegated to history and you can redefine what you want to achieve in t...

Insights categories - Personal investing

The rules for making good investment decisions

By Lettie Mzwinila on 20 Dec 2018

Listening time: 1 min

People are prone to making predictions about everything from the weather to the economy. However, relying on predictions when investing can thwart your...

Insights categories - Personal investing

How to approach your finances this festive season

By Lettie Mzwinila on 05 Dec 2018

Reading time: 5 mins

In the hive of festive activity, it’s easy to forget your financial goals and spend more than you planned. Next thing you know, it’s the New Year and the lon...

Insights categories - Personal investing

Give yourself the gift of balance this festive season

By Lettie Mzwinila on 30 Nov 2018

Reading time: 4 mins

The festive season is upon us and as much as we all relish letting go, balancing spending and other indulgences with a bit of discipline can go some way to...

Insights categories - Personal investing

Make sure divorce doesn't cost your savings

By Mlulami Nxele on 16 Nov 2018

Reading time: 4 mins

Going through a divorce can be extremely tough emotionally, but it can take a huge toll on your finances as well.

Insights categories - Personal investing

Why retirement contributions don’t reduce your taxable capital gains

By Carrie Norden on 26 Oct 2018

Reading time: 4 mins

You may be aware that every tax year you can make a pre-tax contribution to your retirement fund of up to 27.5% of the higher  of taxable income or...

Insights categories - Personal investing

What does the price of a unit trust mean?

By Ray Mhere on 17 Oct 2018

Reading time: 7 mins

When you buy a product or a service, the price you pay for that item tells you something about it. An apple that costs R50 (suspiciously expensive) or an App...

Insights categories - Personal investing

Get advice to be more money savvy

By Lettie Mzwinila on 02 Oct 2018

Reading time: 5 mins

Reports show that as a millennial investor you have a savvy attitude towards cash and you want to be in-the-know about how to grow your money. The value of...

Insights categories - Personal investing

How to select your asset manager

By Thandi Ngwane on 26 Sep 2018

Viewing time: 1 min

Past performance is often the first, and sometimes only, consideration investors make when selecting an investment manager. However, performance is just one ...

Insights categories - Personal investing

Prioritise your dependants and loved ones during National Wills Week

By Sonja Smit on 17 Sep 2018

Reading time: 10 mins

It’s National Wills week from the 17-21 September 2018 – consider taking advantage of the offer from a participating attorney to get your Last Will and...

Insights categories - Personal investing

How to select a unit trust that’s right for you

By Thandi Ngwane on 12 Sep 2018

Viewing time: 1 min

There are over 1 500 unit trusts available in South Africa – what criteria should you apply to select one (or more) that best suits your needs and...

Insights categories - Personal investing

Don't get caught short this tax season

By Carrie Norden on 31 Aug 2018

Reading time: 4 mins

With the tax season deadlines brought forward by a month this year, it’s time to get your supporting documents ready and to do your return. Uncertainty actin...

Insights categories - Personal investing

How to thrive in choppy markets

By Andrew Lapping on 23 Aug 2018

Reading time: 4 mins

This year has been characterised by increased volatility and concern about the global risks – from trade disputes to inflation. After a strong start to the...

Insights categories - Personal investing

Ride out volatility and maximise returns

By Andrew Lapping on 22 Aug 2018

Viewing time: 1 min

Market fluctuations are an expected and necessary part of investing. While market volatility often presents good opportunities for value investors like Allan...

Insights categories - Personal investing

Employer-assisted savings can help fix SA's dire savings rate

By Saleem Sonday on 27 Jul 2018

Reading time: 4 mins

July is National Savings Month in South Africa. Is there more you can be doing as an employer to help your employees save towards their future financial...

Insights categories - Personal investing

Go on, take a financial wellness day off

By Lettie Mzwinila on 11 Jul 2018

Reading time: 7 mins

July is National Savings Month, an ideal time to take a ‘personal financial wellness day’ off – a growing corporate trend in the US.

Insights categories - Personal investing

Bump up your savings with a tax-free investment

By Mthobisi Mthimkhulu on 30 Jun 2018

Reading time: 7 mins

Have you taken the plunge and started your own business, but sacrificed some (if not all) of your savings to do it? Mthobisi Mthimkhulu suggests using a...

Insights categories - Personal investing

True rewards take time

By Zwelethu Nkosi on 30 Jun 2018

Reading time: 9 mins

Allan Gray’s advertising strategy has always been built around the characteristics of the firm and continues to tap into human truths that connect with our...

Insights categories - Personal investing

How to become the next Sylvia Bloom

By Bekithemba Mafulela on 29 Jun 2018

Reading time: 4 mins

A recent New York Times article took many investors by surprise: A frugal legal secretary, who worked at the same firm for 67 years until she retired at the...

Insights categories - Personal investing

Investment Summit brings together 10 of world’s top investment experts

By Tamryn Lamb on 08 Jun 2018

Reading time: 2 mins

The Allan Gray Investment Summit will bring together over 3000 investors who will gather to listen to investment experts from around the world.  From where t...

Insights categories - Personal investing

How are companies governed?

By Nadia van der Merwe on 19 Apr 2018

Reading time: 7 mins

When you invest in equities – either directly or through a unit trust – you become the part-owner of the business. Nadia van der Merwe explains the role of a...

Insights categories - Personal investing

Thinking about your view of risk

By Rob Formby on 19 Apr 2018

Reading time: 7 mins

Our primary concern as an investment manager is creating wealth for clients. To do this, we need to balance investment performance for clients with the risk...

Insights categories - Personal investing

Let SARS help you pay for retirement

By on 11 Apr 2018

Reading time: 6 mins

The South African Revenue Service (SARS) wants to help you pay for your retirement. The way in which they do this is by offering generous tax deductions when...

Insights categories - Personal investing

Don't let good news headlines thwart your savings plans

By Rob Formby on 06 Apr 2018

Reading time: 2 mins

Positive sentiment in the country is being fuelled by a change in political leadership, the stronger rand, a higher-than-expected GDP growth rate and a more...

Insights categories - Personal investing

Cashing in on your tax refund

By Bekithemba Mafulela on 29 Mar 2018

Reading time: 3 mins

Between April 2017 and February 2018, the South African Revenue Service (SARS) paid out more than R205 billion to taxpayers. If you are lucky enough to have...

Insights categories - Personal investing

VAT increase unavoidable

By Carla Rossouw on 02 Mar 2018

Reading time: 4 mins

The Budget Speech delivered by Finance Minister Malusi Gigaba was a careful step in the right direction in an environment where hard decisions are...

Insights categories - Personal investing

2018 Budget speech update

By Carrie Norden on 21 Feb 2018

Reading time: 4 mins

The Minister of Finance announced amendments to tax and other legislation that may affect investors. These changes come into effect on 1 March 2018...

Insights categories - Personal investing

How to maximise tax benefits before the end of the tax year

By Carla Rossouw on 24 Jan 2018

Reading time: 10 mins

The end of February is the end of the tax year. Carla Rossouw explains why this is a good time to take maximum advantage of the incentives the government has...

Insights categories - Personal investing

The simple answers to investing

By Wanita Isaacs on 24 Jan 2018

Reading time: 8 mins

Is the very thought of planning a barrier for you when it comes to investing? Or are you guilty of overanalysing and underacting? Wanita Isaacs investigates...

Insights categories - Personal investing

How to make better investment decisions in 2018

By Lettie Mzwinila on 08 Jan 2018

Reading time: 3 mins

Investment experts, economists and industries are more prone to making predictions during the New Year, given the renewed sense of focus and excited...

Insights categories - Personal investing

How to prevent a financial hangover this festive season

By Bekithemba Mafulela on 08 Dec 2017

Reading time: 5 mins

If the festive season sends you into a panic and sees you mentally tallying up added expenses, such as gifts, getaways and groceries, you may need a financia...

Insights categories - Personal investing

How to tame temptations

By Jeanette Marais on 22 Nov 2017

Reading time: 6 mins

A survey conducted by the University of Pennsylvania a few years ago asked respondents to rank their strengths in 24 different skills. Self-control ended up ...

Insights categories - Personal investing

PART 8: The role of financial advice in your investment success

By Mthobisi Mthimkhulu on 30 Oct 2017

Reading time: 7 mins

You wouldn’t gamble with your health by not seeing a professional, why do it with your financial future? Consult an independent financial adviser to help you...

Insights categories - Personal investing

Bad predictions and good decisions

By Lettie Mzwinila on 24 Oct 2017

Reading time: 5 mins

“Most of us view the world as more benign than it really is, our own attributes as more favourable than they truly are, and the goals we adopt as more...

Insights categories - Personal investing

The four fundamental skills of all investing

By Morgan Housel on 24 Oct 2017

Reading time: 6 mins

We are excited to introduce guest contributor Morgan Housel, a partner at the  Collaborative Fund (US), and an expert in behavioural finance and investing...

Insights categories - Personal investing

PART 7: How to make money from investing - your role

By Mthobisi Mthimkhulu on 23 Oct 2017

Reading time: 4 mins

Take control of your emotions! Your behaviour is the wildcard when it comes to making money from investing...

Insights categories - Personal investing

PART 6: Where can I invest my money?

By Mthobisi Mthimkhulu on 23 Oct 2017

Reading time: 5 mins

There are so many investment managers to choose from, how do I figure out where I can invest my money...

Insights categories - Personal investing

PART 5: What should I invest in?

By Mthobisi Mthimkhulu on 17 Oct 2017

Reading time: 6 mins

Tax and law are wrapped around every investment product. Knowing the rules can help you choose the right product for your needs...

Insights categories - Personal investing

PART 4: How do I start investing?

By Mthobisi Mthimkhulu on 09 Oct 2017

Reading time: 6 mins

The first step is often the most difficult to make, but it does not have to be so with investing. Follow these tips to start off on the right foot...

Insights categories - Personal investing

Tax season: Your top tax investment questions answered

By Carla Rossouw on 06 Oct 2017

Reading time: 4 mins

Confused about how to report on your investments to SARS? With the 2017 tax season in full swing, now is the time to get your documents ready.

Insights categories - Personal investing

PART 3: When should I start investing?

By Mthobisi Mthimkhulu on 02 Oct 2017

Reading time: 4 mins

Time is of the essence when it comes to investing. Start now and benefit from the magic of compounding...

Insights categories - Personal investing

Should you see a financial adviser?

By Jeanette Marais on 29 Sep 2017

Reading time: 5 mins

With World Financial Planning Day happening on 4 October, there is no better time to get your financial house in order. If you have never sought the help of ...

Insights categories - Personal investing

PART 2: How do I overcome the barriers to investing?

By Mthobisi Mthimkhulu on 25 Sep 2017

Reading time: 5 mins

Not sure how to save money? Follow these five easy steps...

Insights categories - Personal investing

PART 1: Why you should invest

By Mthobisi Mthimkhulu on 18 Sep 2017

Reading time: 6 mins

There are many reasons to invest. Start now: small sacrifices today can make a big difference over the long term...

Insights categories - Personal investing

Five things to consider when drafting your Will

By Thandi Ngwane on 11 Sep 2017

Reading time: 4 mins

It is said that the only certain things in life are death and taxes. Why is it then that so many of us fail to plan for when these inevitable things meet? In...

Insights categories - Personal investing

Investment success: Don’t be your own worst enemy

By Morgan Housel on 06 Sep 2017

Reading time: 4 mins

The biggest risk which investors face is themselves, because the mistakes they commonly make are based on their own behaviour and personal biases, warns Morg...

Insights categories - Personal investing

Take charge of your finance this Women's month

By Jeanette Marais on 14 Aug 2017

Reading time: 9 mins

A man is not a financial plan and women today are becoming more aware of the fact that they must take ownership of their finances. August is Women’s month, s...

Insights categories - Personal investing

Investment Summit to give an inside view from fund management houses

By Jeanette Marais on 21 Jul 2017

Reading time: 3 mins

Allan Gray is bringing a group of international and local investment houses together to debate investment insights in a new one-day event, aimed at helping...

Insights categories - Personal investing

How to protect and grow your Stokvel

By Lettie Mzwinila on 07 Jul 2017

Reading time: 3 mins

Saving is often the last thing on our minds when we have extra money and can seem daunting.  But have you considered investing as part of a group?...

Insights categories - Personal investing

How much risk can you take?

By Leonard Krüger on 30 Jun 2017

Viewing time: 1 min

Risks are elevated in the current environment. This means you should think about how much risk you are prepared to take on...

Insights categories - Personal investing

How to cope with ongoing uncertainty

By Jeanette Marais on 24 May 2017

Reading time: 5 mins

Over the past year there have been plenty of painful reminders that we have no control over what happens in the world. And there doesn’t seem to be any clari...

Insights categories - Personal investing

Are you on track to achieve your 2017 financial goals?

By Thandi Ngwane on 19 May 2017

Reading time: 4 mins

With 2017 in full swing, make sure you stick to your new year’s resolutions when it comes to your personal finances with the below five-point checklist...

Insights categories - Personal investing

Junk status: Diversification is key to protect against market shocks

By Jeanette Marais on 05 May 2017

Reading time: 3 mins

The best thing you can do during periods of heightened uncertainty is to stick to your investment plan...

Insights categories - Personal investing

When is a debit order the better option?

By Bekithemba Mafulela on 31 Mar 2017

Reading time: 5 mins

When you think about starting a new investment there are two ways to approach it: either you invest in one go with a lump sum or you do recurring investments...

Insights categories - Personal investing

How to combat the budget pinch

By Carla Rossouw on 31 Mar 2017

Reading time: 7 mins

Some weeks have passed since former Finance Minister Pravin Gordhan’s Budget speech, but we are only just beginning to feel the pinch. Carla Rossouw discusse...

Insights categories - Personal investing

Read beyond the Budget headlines: Bracket creep hits low to middle income earners

By Richard Carter on 23 Feb 2017

Reading time: 3 mins

The 2017 Budget had some surprises, especially for the wealthy, with steep increases in income tax and dividend withholding tax. But the silent tax increase ...

Insights categories - Personal investing

How does the Budget impact me?

By Richard Carter on 23 Feb 2017

Listening time: 9 mins

The 2017 Budget had some surprises, especially for the wealthy, with steep increases in income tax and dividend withholding tax. But we need to look beyond t...

Insights categories - Personal investing

2017 Budget speech update

By Carla Rossouw on 23 Feb 2017

Reading time: 4 mins

The Minister of Finance announced amendments to tax and other legislation that may affect investors. These changes are discussed in detail below and, unless...

Insights categories - Personal investing

How to recognise a Ponzi scheme

By Thandi Ngwane on 17 Feb 2017

Reading time: 4 mins

How can you tell the difference between a great potential investment and a great sales pitch? Bold promises of lofty returns are made to unsuspecting victims...

Insights categories - Personal investing

How to maximise tax benefits before the end of the tax year 2016

By Carla Rossouw on 31 Dec 2016

Reading time: 8 mins

Every year at around this time – ahead of the end of the tax year in February – we remind investors to think about taking advantage of some of the incentives...

Insights categories - Personal investing

How to read a factsheet

By Ray Mhere on 31 Dec 2016

Reading time: 8 mins

The number of options when choosing a unit trust can be overwhelming and is one of the most common barriers to investing. Unit trusts are registered in...

Insights categories - Personal investing

The role you play in your investment success

By Thandi Ngwane on 23 Dec 2016

Listening time: 12 mins

How can you make sure you get the best value out of your investment? Listen to this 12-minute interview on PowerFM Business with Andile Khumalo, where Thandi...

Insights categories - Personal investing

The role of financial advice in your investment success

By Nazia Kahlon on 13 Dec 2016

Reading time: 7 mins

You wouldn’t gamble with your health by not seeing a professional, why do it with your financial future? Consult an independent financial adviser to help you...

Insights categories - Personal investing

Primed for the windfall

By Bekithemba Mafulela on 01 Dec 2016

Reading time: 5 mins

Between stimulus and response, there is a space. In that space is our power to choose our response. In our response lies our growth and our freedom. - Viktor...

Insights categories - Personal investing

Five reasons to invest part of your bonus

By Bekithemba Mafulela on 25 Nov 2016

Reading time: 4 mins

It has been a difficult year financially worldwide, with political and economic uncertainty dominating global news headlines. In this context, not every...

Insights categories - Personal investing

What is a money market fund?

By Bekithemba Mafulela on 30 Sep 2016

Reading time: 6 mins

Money market unit trusts, commonly referred to as ‘money market funds’, have become a synonym for safe, secure and reliable investments. You put your money i...

Insights categories - Personal investing

Read the fine print before you decide to withdraw or retire from your preservation fund

By Carla Rossouw and Carrie Norden on 30 Sep 2016

Reading time: 6 mins

South Africans on average change jobs about five to seven times during their working lives. More than two-thirds do not preserve their retirement savings whe...

Insights categories - Personal investing

How to be a better long-term investor

By Shaheed Mohamed on 30 Sep 2016

Reading time: 10 mins

Is your behaviour standing in the way of your investment success? Shaheed Mohamed helps us become more aware of common biases so that we can adjust our...

Insights categories - Personal investing

Should I invest in a unit trust?

By Wanita Isaacs on 27 Sep 2016

Listening time: 10 mins

You can invest in unit trusts for most of your financial goals, from saving for longer-term needs, to meeting your shorter-term objectives...

Insights categories - Personal investing

Your last Will & testament: Tips to ensure your loved ones are covered

By Thandi Ngwane on 13 Sep 2016

Reading time: 4 mins

What happens to your investments when you die? Will they pass to your loved ones, as you would want? An uncomfortable topic to think about, but one that we a...

Insights categories - Personal investing

Considering getting financial advice? Four key questions to ask your adviser

By Thandi Ngwane on 05 Sep 2016

Reading time: 5 mins

You wouldn’t gamble with your health by not seeing a professional, why do it with your financial future? Independent financial advisers can make a significan...

Insights categories - Personal investing

How to make sense of tax in unit trusts

By Richard Carter on 29 Aug 2016

Reading time: 1 min

The tax you pay can have big impact on your return over time. While you cannot make investment decisions based on tax alone, it is also a factor that cannot ...

Insights categories - Personal investing

Invest for your child’s future today with a tax-free investment account

By Richard Carter on 19 Aug 2016

Viewing time: 1 min

For most parents looking to make a long-term investment on behalf of their minor children, a tax-free investment account is an option worth investigating....

Insights categories - Personal investing

Are you a saver or a borrower?

By Bekithemba Mafulela on 10 Aug 2016

Reading time: 6 mins

It is difficult to be a fence sitter when it comes to investing and wealth creation. Either you are a saver, and are providing for your needs, both present a...

Insights categories - Personal investing

How can I earn higher returns and pay less tax?

By Richard Carter and Jeanette Marais on 30 Jun 2016

Reading time: 10 mins

Tax has a significant impact on the returns of your investment. If, like most of us, you would like to see more return in your account and less in the hands ...

Insights categories - Personal investing

What happens when I die?

By Thandi Ngwane on 31 Mar 2016

Reading time: 9 mins

Thinking about death is uncomfortable. But, trying to rebuild your life after the death of a loved one and dealing with questions of money is a stress that...

Insights categories - Personal investing

2016 Budget speech update

By Carla Rossouw on 26 Feb 2016

Reading time: 6 mins

The Minister of Finance announced amendments to tax and other legislation that may affect investors.

Insights categories - Personal investing

February: Don’t miss out on your 2015/2016 tax breaks

By Jeanette Marais on 18 Feb 2016

Reading time: 7 mins

The end of the tax year is fast approaching – but there is still time to take advantage of some of the incentives the government has put in place to encourag...

Insights categories - Personal investing

How to review your investments

By Wanita Isaacs on 31 Dec 2015

Reading time: 6 mins

When last did you perform a financial health check by reviewing your investments? It's important to occasionally take stock to assess whether or not you are ...

Insights categories - Personal investing

Five tough financial decisions you may have to make… And why they are worth it

By Thandi Ngwane on 30 Nov 2015

Reading time: 4 mins

Money decisions are never easy and often come down to personal circumstance and choice. If you are lucky enough to get a bonus or a 13 th cheque, should you...

Insights categories - Personal investing

Saving in a rising interest rate environment 2015

By Jeanette Marais on 20 Nov 2015

Reading time: 4 mins

The South African Reserve bank has announced an interest rate increase from 6% to 6.25% confirming that the country is in a rising interest rate cycle.   Whi...

Insights categories - Personal investing

The pitfalls of investing, and the role of financial advice

By Thandi Ngwane on 16 Nov 2015

Reading time: 5 mins

Many investors lack the time, knowledge and experience to invest successfully, often encountering difficulties that could have been avoided had they taken...

Insights categories - Personal investing

Your minor children and the taxman

By Carla Rossouw on 06 Nov 2015

Reading time: 5 mins

Investing on behalf of your children is a generous act of foresight and, if you can afford to do it, opens up future opportunities for them. Unit trusts are ...

Insights categories - Personal investing

Tales of rice and rewards

By Jeanette Marais on 05 Oct 2015

Reading time: 6 mins

We often talk about the value of time in investing, but it is difficult to really get to grips with the rewards that can be reaped through compound growth:...

Insights categories - Personal investing

Commitment counts

By Zwelethu Nkosi on 30 Sep 2015

Reading time: 6 mins

There will always be ups and downs in the markets as much as in life. To deliver great long-term investment performance we believe a fund manager needs to...

Insights categories - Personal investing

What is outperformance?

By Thandi Ngwane on 30 Sep 2015

Reading time: 6 mins

While the dictionary definition of outperformance is simple, the complexity starts when we want to understand it in the context of our investments, as we are...

Insights categories - Personal investing

Are we snookering ourselves with confirmation bias?

By Jeanette Marais on 26 May 2015

Reading time: 5 mins

We have written regularly about investor behaviour, noting how emotions can be our worst enemy. Driven by fear and greed, many investors buy high and sell lo...

Insights categories - Personal investing

Active versus passive

By Thandi Ngwane on 31 Mar 2015

Reading time: 6 mins

As a proud advocate of a committed active manager, Thandi Ngwane does her best to stay objective in discussing the pros and cons of active and passive...

Insights categories - Personal investing

The theory of risk and return

By Wanita Isaacs on 31 Dec 2014

Reading time: 4 mins

Wanita Isaacs offers some insights into how you can think about risk in your investment process. Efficient market theory holds that there is a direct...

Insights categories - Personal investing

Tomorrow versus today

By Chris Tisdall on 12 Dec 2014

Reading time: 5 mins

Despite all of the economic doom and gloom in our newspapers, South Africans are buying a lot of new cars...

Insights categories - Personal investing

Understand the impact of inflation

By Thandi Ngwane on 30 Sep 2014

Reading time: 4 mins

There are different types of investment risks, some more obvious than others. One risk that people often forget about is the risk that their invested money...

Insights categories - Personal investing

Your role in your investment success

By Wanita Isaacs on 30 Sep 2014

Reading time: 7 mins

For some time now we have been saying that across asset classes, prices are high. Many of you may be wondering whether or not you should be making changes to...

Insights categories - Personal investing

Are your investment goals, products and expectations suitably aligned?

By Jeanette Marais on 01 Aug 2014

Reading time: 4 mins

Our investment goals depend on our personal priorities in life and there is no generic set of goals that applies to everyone, and no set timeline for achievi...

Insights categories - Personal investing

Thinking long term

By Wanita Isaacs on 30 Jun 2014

Reading time: 4 mins

We encourage people to invest for the long term. But how long is long term and what does this mean for investment decision-making? Wanita Isaacs offers some...

Insights categories - Personal investing

What is switching?

By Thandi Ngwane on 31 Mar 2014

Reading time: 5 mins

We often caution investors against 'switching' at the wrong moments. But what exactly is switching and how do you know whether or not it is an opportune time...

Insights categories - Personal investing

What are the merits of good independent advice?

By Jeanette Marais on 31 Mar 2014

Reading time: 8 mins

Many investors lack the time, knowledge and experience to invest successfully, often encountering difficulties that could have been avoided had they taken...

Insights categories - Personal investing

What compounding can do for you

By Wanita Isaacs on 31 Dec 2013

Reading time: 3 mins

'Compound interest is the eighth wonder of the world. Those who understand it, earn it... those who don't, pay it.' – Albert Einstein Compounding is when the...

Insights categories - Personal investing

Do you need a financial check-up?

By Thandi Ngwane on 19 Dec 2013

Reading time: 6 mins

The end of the year is a good time to review your financial well-being and put some new year’s resolutions in place that aim for better saving and spending...

Insights categories - Personal investing

Fund ratings: an additional tool for your decision-making toolkit

By Jeanette Marais on 13 Oct 2013

Reading time: 6 mins

Over the last 10 years the unit trust industry in South Africa has enjoyed substantial growth both in assets under management and in the number of funds...

Insights categories - Personal investing

Investing tutorials: Why preserve?

By Thandi Ngwane on 30 Sep 2013

Reading time: 3 mins

Learn more about investing and personal finance in 'Investing tutorials', a new addition to our Quarterly Commentary. South Africans on average change jobs...

Insights categories - Personal investing

Distraction is the enemy

By Henk Pieterse and Zwelethu Nkosi on 30 Sep 2013

Reading time: 8 mins

In an always-on, connected world, distractions are around all the time. We have well over a hundred television channels available 24 hours a day, seven days ...

Insights categories - Personal investing

July is Savings month - a good time to reassess your spending decisions

By Thandi Ngwane on 09 Jul 2013

Reading time: 7 mins

When deciding what to do with disposable income, South Africans spend money far more easily than we save. This is reflected in South Africa’s very low saving...

Insights categories - Personal investing

How to select the right investment manager

By Rory Maguire on 25 Mar 2013

Reading time: 6 mins

It is challenging for investors and their advisers to differentiate between investment managers in an ever-changing landscape. When assessing who is best...

Insights categories - Personal investing

Making sense of unit trust categories and intentions

By Rob Formby on 31 Dec 2012

Reading time: 8 mins

We aim to ensure that our range of funds offers enough choice to meet your needs but remains manageable, without being confusing or creating too much overlap...

Insights categories - Personal investing

Make financial planning a priority in 2013

By Jeanette Marais on 10 Dec 2012

Reading time: 4 mins

Research from the US1 shows that financial planning is a critical factor separating those who are on track to meet their financial goals and those who are...

Insights categories - Personal investing

Investing for education

By Wanita Isaacs on 30 Sep 2012

Reading time: 7 mins

As Wanita Isaacs joins the ranks of parents investigating ways to afford the best possible education for their children, she learns that, although long-term...

Insights categories - Personal investing

A balancing act

By Rob Formby on 27 Sep 2012

Reading time: 5 mins

We have written at length about the perils of switching and trying to time the market, noting how investor behaviour plays an important role in investor...

Insights categories - Personal investing

Logic fails to prevail in investment decision making

By Carl Richards and Jeanette Marais on 24 Aug 2012

Reading time: 4 mins

Most of us make the same mistake with our money over and over again: we buy high out of greed and sell low out of fear, despite knowing on an intellectual...

Insights categories - Personal investing

The Allan Gray Investment Platform: high quality service with simple, transparent fund choice

By Jeanette Marais on 30 Jun 2012

Reading time: 7 mins

Objectives for investing change throughout our lives, from buying a car or house, to longer-term goals, such as saving for our children's education and our...

Insights categories - Personal investing

The real effect of Dividend Withholding Tax

By Johann Grandia on 26 Apr 2012

Reading time: 5 mins

The new Dividend Withholding Tax (DWT) replaced Secondary Tax on Companies (STC) on 1 April 2012. Investors are understandably concerned about the long-term...

Insights categories - Personal investing

Online: your service channel of choice?

By Shabnam Osman on 31 Mar 2012

Reading time: 6 mins

South Africa has seen a surge of internet users recently, with the number doubling over the last two years, and the current count standing at around 6.5...

Insights categories - Personal investing

Dividend Withholding Tax increases to 15%

By Carla Rossouw on 24 Feb 2012

Reading time: 5 mins

During his recent budget speech, Minister of Finance Pravin Gordhan, announced that Dividend Withholding Tax (DWT) will be levied at a rate of 15% when it is...

Insights categories - Personal investing

Everything can be improved

By Michael Summerton on 31 Dec 2011

Reading time: 7 mins

We are obsessed with always providing you with the best service and hope that, if we fall short of these standards, you will complain. Your honest feedback...

Insights categories - Personal investing

New Dividend Withholding Tax: how will it affect you?

By Carla Rossouw on 31 Dec 2011

Reading time: 6 mins

As part of his February 2011 Budget speech, Minister of Finance Pravin Gordhan announced that Dividend Withholding Tax would come into effect from 1 April...

Insights categories - Personal investing

Delayed gratification is priceless

By Rob Formby on 02 Dec 2011

Reading time: 6 mins

Acknowledging your future financial needs and making concrete plans to meet these is a discipline that will benefit you and your family enormously. It is the...

Insights categories - Personal investing

Use your head not your heart and think long term

By Jeanette Marais on 17 Nov 2011

Reading time: 6 mins

A key step when planning your investment is choosing the right unit trust based on your risk profile and priorities and then staying invested to reap the...

Insights categories - Personal investing

It is worthwhile starting to save early - a little can go a long way

By Jeanette Marais on 20 Oct 2011

Reading time: 5 mins

You can substantially improve your financial situation if you start saving sooner rather than later and you will be a step closer to being financially...

Insights categories - Personal investing

Time flies

By Henk Pieterse on 30 Sep 2011

Reading time: 5 mins

The first half of our lives we spend wishing time would hurry up - life simply moves too slowly. The second half, however, we wish time would slow down; ever...

Insights categories - Personal investing

Questions for personal investing

By Rob Formby on 31 Mar 2011

Reading time: 11 mins

Rob Formby suggests five questions you may want to ask regarding your personal investments. Every person's situation is unique, so the list is not exhaustive...

Insights categories - Personal investing

The offshore conundrum

By Chris du Toit on 31 Mar 2011

Reading time: 6 mins

A question often asked of us is: 'How much should I invest offshore?' This question has a different answer for each person. Another, perhaps more important,...

Insights categories - Personal investing

Investing made not so scary

By Henk Pieterse on 30 Sep 2010

Reading time: 5 mins

Many people find investing in financial products intimidating and complicated, and so they procrastinate and miss out on the benefits of being invested for...

Insights categories - Personal investing

What safeguards are in place to protect your individual investments?

By Taryn Hirsch on 30 Sep 2010

Reading time: 7 mins

At Allan Gray we believe that a critical part of your investment decision is arming yourself with full knowledge of the risks you will be exposed to. There i...

Insights categories - Personal investing

Service worth talking about

By Chris Tisdall on 30 Jun 2010

Reading time: 7 mins

Although we do our utmost to provide exceptional investment returns we cannot guarantee that we will always get it right - we have no control over market...

Insights categories - Personal investing

Capital Gains Tax and how it affects unit trust investors

By Rob Formby on 31 Mar 2010

Reading time: 8 mins

At Allan Gray, we focus on managing your investments. We acknowledge that there are important aspects of investing - such as tax on your investments - that a...

Insights categories - Personal investing

The role of financial advice in helping you become a better long-term investor

By Jeanette Marais on 31 Mar 2010

Reading time: 8 mins

In the Quarterly Commentary 3 of 2008, Richard Carter explained the difference between fund and investor returns. He outlined both our role at Allan Gray and...

Insights categories - Personal investing

The benefits and pitfalls of foreign diversification

By Chris du Toit on 30 Sep 2009

Reading time: 8 mins

Most South African investors looking to diversify will choose to include offshore assets in their portfolio. The trick is to select the right combination of...

Insights categories - Personal investing

The cost of too much choice

By Marisa Kaplan on 30 Sep 2009

Reading time: 7 mins

People are attracted to choice, but that does not mean that having more choice will lead to better decisions, or a better decision-making process. Research h...

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