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Key shift in thinking and behaviour needed to ensure South Africans secure their financial futures

10 July 2018 | General

The winds of change are blowing through the financial services sector and turning the traditional advisory model on its head. Advisers need to focus on what really matters to their clients. “It is amazing”, says Andrew Broadley, Executive at Standard Bank Wealth, “as soon as someone knows that you are in wealth management or financial advice, he or she will ask you a barrage of questions. Typically, they are questions about which investment will make money quickly: what’s your view on the Gold price at these levels? Should I buy Bitcoin? How much Naspers should I hold in my share portfolio? While it is fun to chat about these topics around the braai, these are completely the wrong questions to be asking of your adviser.”

Don’t stop thinking about tomorrow

10 July 2018 | General

Halfway through the year, there are two key questions: What is the outlook for investment returns after a decidedly soft patch on markets? And have the prospects for the local economy completely deteriorated? The answers are linked of course, but not as much as most think.

Determining your appetite for risk

09 July 2018 | General

As investors continue to be buffeted by uncertainties in the market, the importance of an appropriate, disciplined and strategic investment strategy is increasingly evident. Emotions are among an investor’s biggest enemies, particularly when faced with challenging and unpredictable events.

Disciplined investing: five principles to follow

05 July 2018 | General

Despite our best intentions, many of us focus on the wrong things when it comes to our savings and investments. We tend to focus on the factors we can’t control, typically headline-grabbing things like investment returns and the markets. We barely ever focus on the factors and variables that can be controlled, like risk, time in the market, behaviour and cost. Because of this, investors often find themselves chasing short-term performance; reacting emotionally to market conditions, macroeconomic and political events; and responding by switching in and out of portfolios or cash at the wrong time.

quick poll

Question

Do you think short-term insurance broking will survive the AI plus humanoid robotics age?

Answer

Human first always Not a chance Possibly maybe Yes, but reimagined

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