Tiaan Van Zyl - Financial Planner

I am also a firm believer in the 15% rule, if you start saving as soon as you start earnining an income.

Unfortunately this is not possible for everyone, therefor it is utterly important to review your portfolio at least once every 12 months, to ensure contributions are aligned with your goals.

Representative of Liberty Group Limited.

How much money you need to retire comfortably in South Africa, according to experts The 2021 edition of the 10X Retirement Reality Report points to a deteriorating pension outlook for South Africans.

Raise your hand if you agree ✋🏼

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Financial advisor vs broker: the key differences The main role of the advisor is to help a client clearly understand their financial goals.

A lot of you are worried about your pension funds or retirement funding with the ANC now wanting to move to prescribed assets. I want to tell you not to worry too much about that for now. The reason for this is, even if they manage to change legislation, which I highly doubt with the unions pushing back, the prescribed assets will only be for future contributions. I say keep investing in your retirement annuity and pension funds and we will cross the bridge when it comes to really prescribing assets from the government's side. If you stop now and move off-shore with your investments you won't be able to receive the tax benefits that make retirement investing attractive to us. Should prescribed assets never realise, you would've paid the taxes on your withdrawal to move the funds, as well as not receive the tax benefits on your contributions. Work with a trusted advisor that keeps your emotions in check regarding investments.

Representative of Liberty Group SA

So who is keeping your adviser’s emotions in check? Beware emotive, knee-jerk financial advice that can destroy value

Great read, this article highlights the importance of not reading too much into short term successes or losses. When it comes to investing, we need to trust the process as well as aim for consistency rather than one great year or quarter. I highly recommend speaking to a trusted financial planner to advise you before making investment decisions that might affect your wealth in the long term. Just as in sport, if you come of a successful trade which made a good return for you, we become confident and take unnecessary risks. Many times the success off one trade or investment over the short term was luck rather than a good investment decision. Trust the process of wealth creation.

Representative of Liberty Group SA

WARREN INGRAM: What the best sports coaches can teach us about stress Gary Kirsten and Paddy Upton were a hugely successful coaching unit because they did not focus too much on the outcome of matches

This is one of the top reasons, when looking at funds, why I believe the fund mandate, fund objectives and investment philosophy is more important than past performance. We all know that past performance is no indicator for future performance.

I do believe that the investment strategy and the reason for including and excluding certain companies and industries in a fund will give us an idea of how the fund might perform.

Even though I believe that some of the companies that were excluded present great opportunities for investors, I really think Marriot or rather the specific fund managers got this one spot on. The reasons for excluding these companies makes perfect sense, they did not fit the philosophy of the fund.

Representative of Liberty Group SA

Why Amazon and Apple aren’t in Marriott Offshore’s portfolios Only companies that deliver consistent dividends make the list.