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Protecting your income for a better outcome

A few short decades ago, we lived in a world that seemed to have far more security and certainty. The rate of change was slower, and many assumed that if you stuck to the system, the system would look after you. Social security, income security and good health were taken for granted in developed countries. The chance of losing one or all of the above didn’t feature too highly in financial plans. As you’re reading this, […]

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Plan to fail

It doesn’t make sense, but we need to have a plan for when things go wrong.  People love to say that Benjamin Franklin once said that if you fail to plan, then you plan to fail. It’s not a bad quote, but as the world experiences some of the most significant disruptions in recent history, we know it’s only part of the picture. This means: we need to plan to fail. Or rather, we need to […]

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Offshore shouldn’t be off-putting

“… your money deserves to go places,” Ninety One (dual-listed on both the South African and London Stock Exchanges). Many people who choose to stay in a country feel a sense of pride and patriotism for their local residence. Whether it’s a native birth-right or an adopted sense of nationalism, buying, supporting and investing local is an important priority.  So much so that the thought of moving money offshore can be off-putting.  But when it comes […]

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How to make a sustainable change

All of us have moments in our life when we realise that we have to make a change. Sometimes change is something we choose, and sometimes it happens to us, forcing us to find a new way to cope. Making a sustainable change is something that we can choose – before life forces something worse upon us. As Reinhold Niebuhr’s serenity prayer says: “God grant me the serenity to accept the things I cannot change; the […]

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Ifs, buts and Bitcoin

“If only I’d bought into Bitcoin in 2008…” “But, it’s not regulated…” “But, the bubble…” “Bitcoin – I don’t want to miss out…” Before engaging in any blog about Bitcoin, it HAS to be stated that Bitcoin is an incredibly risky investment that may or may not pay off. Bitcoin is a decentralised digital currency, without a central bank or single administrator, that can be sent from user to user on the peer-to-peer bitcoin network without […]

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It’s Hue-Guh, not Hoo-Gah

Hygge (pronounced hue-guh, not hoo-gah) is a Danish word used when acknowledging a feeling or moment as cosy, charming or special. This can happen whether alone or with friends, at home or out, ordinary or extraordinary. It’s about how the event makes you feel, not the event itself. From Danish cookies, cheese and pastries to their culture of simplicity, politeness, and equality – they should have a pretty good sense of how cosy-charming-special truly feels! And, […]

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Bite-sized chunks

No matter how hard we try, we never seem to get it all right… all the time! We were taught as kids that practice makes perfect, and this phrase set us up for unrealistic expectations. At some point in our future, we figured we would get it perfect. All we needed to do was keep trying and keep practising. A different way to phrase that saying could be that practice makes progress, not perfection. Progress is […]

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Stop telling yourself these things

Everyone knows that building wealth can help to ensure financial security in the future. Yet, it is a small number of the world’s population who have had the opportunity and fortitude to save money consistently. In some cases, this is because putting money away is not the easiest thing to do. It’s a tough habit to form. As a result, we don’t give ourselves time to save, only time to spend. These behaviours cause us to […]

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Key thoughts for passive investors

Passive investing has become the most popular investing strategy, globally. Simply put, it’s the strategy of buying the whole market (a diversified reach of stock allocations, ETFs and the like), and continually contributing to your portfolio. The long-term goal is to achieve the average market return. This strategy avoids buying and selling regularly (like with actively managed strategies), long hours of extensive research into individual companies and stocks. In theory, this sounds like an easy approach […]

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Four Fresh Investment Ideas

We all want more from life. We want to live a good and meaningful life. This is how we generate hope, by believing that there is something new for us to discover, fresh for us to share and fulfilling for us to experience.  Sometimes life will gift us a reward that we haven’t had to work for directly, but for everything else, it is a constant cycle of trade-offs. We have many resources at our disposal, […]

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