The continued use of trusts

By Trinette Hartley, Fiduciary Specialist at Glacier by Sanlam The minimisation of estate duty is often the primary motivation for estate planning and many of the tools, structures and techniques used as part of the estate planning exercise are aimed at reducing or avoiding estate duty. One of these tools is the trust, and more […]

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Markets look good, but not party time just yet

Investors buoyed by positive third-quarter figures should not uncork the champagne just yet. The uptick looks good, but sectoral trends demand close scrutiny. What’s more, the market may be approaching a crossroads in the coming months. The assessment comes from Craig Pheiffer, General Manager Investments, Absa Investments: Private Client Asset Management. This arm of the […]

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The challenge of selecting a unit trust

There are hundreds of unit trust options available to South African investors – however not every unit trust is suited to every investor – making the selection of a unit trust one of the biggest challenges facing local investors, ie how to select one that will provide them with the best chances of meeting their […]

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Loadings, exclusions and the implications for your insurance cover

Modern man is becoming increasingly unhealthy. Upturns in the rates of obesity, diabetes and heart disease are just a few of the indicators that we, as a society, are neglecting the care of our most important assets – our bodies. Not only do these diseases reduce life expectancy and quality of life, it also has […]

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Credit rating downgrade

Yesterday (27 September), Moody’s Investor Services downgraded the South African government bond rating from A3 to Baa1. It is the first time the country has been downgraded since the ratings process began in 1994. Malcolm Charles, portfolio manager at Investec Asset Management commented that the downgrade was not a surprise. “This downgrade was probably the […]

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Take advantage of insurance added value benefits

Most home and motor short-term insurance policies offer value added benefits like home and roadside assistance, often at no extra cost, yet many consumers tend to forget that these services form part of their cover and as a result waste money on locksmiths, towing, plumbing or electrical services when they could simply use services already […]

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Beating inflation in retirement

Inflation is described as “a persistent increase in the level of consumer prices or a persistent decline in the purchasing power of money.” Every year, we all feel the effects of inflation as prices of consumer goods like basic foodstuffs and services like electricity rise – and we hope that our salaries will also be […]

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SA companies warned of huge fines as a result of international anti-corruption laws

Failure to adhere to anti-bribery compliance obligations in terms of new and existing international anti-corruption laws can result in substantial and potentially debilitating fines being imposed against the company. This is according to Steven Powell, Director of the Forensics Services Division of Edward Nathan Sonnenbergs, says while South Africa has its own anti-corruption legislation in […]

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SA retirement funds set for lower returns

Retirement funds in South Africa face a difficult time over the next few years with trendless markets, lower growth, high volatility and increased probability of losses all set to impact on their performance. As a result, the net effect will be that members will have less to retire on than originally anticipated. This is according […]

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Investing in platinum via ETNs

By Mike Brown, Managing Director, etfSA.co.za For investors looking to invest in the platinum price on world markets, the two ETNs listed on the JSE offer a prime means of exposure. These two products are: the Standard Bank Platinum-Linker ETN and the Absa Capital NewWave Platinum ETN. Investing directly in platinum markets through ETNs is […]

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