Economic performance no guarantee of investment returns

At the beginning of each year investment managers around the world attempt to forecast a range of economic variables as a basis for formulating their investment strategy. A common approach is to start by looking for high-growth countries or industries in the belief that this will lead to a high-growth profit pool and result in […]

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“What’s in a Bubble…?”

We are constantly bombarded with information and often attach certain generic terms to unknown or unfamiliar situations. Mention the term “bubble” and people automatically see Armageddon looming. Yet we make no distinction about the type of bubble nor do we truly understand the nature of it and what its possible driver or origin is. There […]

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Risk and Risky considerations

Market corrections and rebounds often prompt investors to rethink their allocation toward risky assets within their investment portfolios. While rebalancing a portfolio due to extreme market movements may seem like an intuitive decision, it is more often than not borne out of the fear that the market has entered a new bear or bull phase. […]

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Selling tax-breaks no longer enough in RA market

‘Selling tax-breaks’ is no longer enough in a retirement annuity (RA) market that is increasingly driven by a new generation of smart investors who demand more from their financial advisers. RA tax efficiency is a powerful “attention-getter”, but generic product features can’t guarantee a growing book of business in a competitive field, says Johan Gouws, […]

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Hit investment goals the World Cup way

Even normally staid institutional and retail investors seem to be catching World Cup fever. So much so one major financial service business has begun explaining investment strategy in terms of soccer tactics. In its latest report to investors, Absa Investments relies entirely on football terminology to present its market views Craig Pheiffer: General Manager: Absa […]

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The value of time

Time facts to never forget – sometimes we are just not that unique We were reminded yesterday that it is always risky to say that something that is happening is unprecedented. Investec Asset Management portfolio manager Clyde Rossouw made the excellent point that government debt to GDP ratios have been high in the past (for […]

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Sending your child to university needs careful planning

While most parents in South Africa place a high importance on ensuring their children get a college or university education, few are able to achieve this. Currently, only 15% of students currently graduate with their degree or diploma – making South Africa’s rate of graduation from university one of the lowest in the world. According […]

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Healthcare options available to the consumer

The healthcare consumer is often presented with a range of healthcare insurance options to choose from. These products are typically provided by insurance companies and Medical Schemes. It is important to understand the basic difference amongst these options in order to purchase the most appropriate option for ones circumstances. Below are a number of options […]

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Fedhealth Pilots Cardiac Rehabilitation Programme

Clinical results from an innovative cardiac-rehabilitation programme, funded by Fedhealth from the scheme’s risk benefit and developed in conjunction with Professor Wayne Derman and Professor Martin Schwellnus, are already starting to show some positive outcomes. The programme is offered at the Sports Science Institute of South Africa in Cape Town and is available to Fedhealth […]

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Complex medical jargon still confusing consumers

Along with renewed resolutions for the year ahead, January 2010 also brings medical scheme rate increases for the majority of South Africans. Though experts predict the worst of South Africa’s financial woes to be over, insurance premiums such as medical cover will have to be carefully budgeted for. Consumer education on all big purchases, whether […]

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