Bond or Portfolio?

By Charize Beukes* Every bonus season, every time an investor inherits some money, sells a second car, or finally gets the increase they have not so patiently been waiting for, I get some version of the same phone call: “Should I throw this at my bond, or should I invest

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How to build better spending habits

By Tanita Conradie, CFP®* January has a way of sending you the bill for December: when the holiday is over, many South Africans are left with a knot in their stomach when they think about their bank account. It’s that ‘how did I let this happen again?’ feeling. If that

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What load shedding teaches us about diversifying risk

Just as households need a mix of solar, batteries and generators to stay powered, investors need genuinely different assets to protect their portfolios when markets come under pressure. A properly spread portfolio, across asset classes, sectors and geographies, is what keeps the lights on when one part of the market

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Are benchmarks still relevant?

Market indices are becoming increasingly concentrated, raising questions about how much diversification investors really get from the benchmarks used to measure portfolio performance. Benchmarks remain useful for measuring performance, but investors should also consider whether a portfolio is meeting specific objectives rather than simply beating the index. For decades, the

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The hidden threat of AI to your money

By Malissa Conlin* Yet another shock rippled through the AI industry early in September when a software engineer from AI company Anthropic quit, claiming that the technology could wipe out humanity in the next 10 years. As headlines about AI going rogue grow more frequent, they underscore the need for

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Signing your own payslip

The month nothing arrives For most of your working life, money moved towards you. Around the 25th of each month, something landed in your account, and the bond, school fees, groceries and savings arranged themselves around that date. Some months may have felt stretched, but you did not have to

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Cash is a losing game

Cash has an important job in your financial plan, but holding more than you need for near-term expenses can steadily erode your purchasing power. Cash may look safe because its value does not fluctuate, but inflation quietly erodes what it can buy. Since 1994, R100 has lost about 81% of

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