Articles
"Do not fear death so much, but rather the inadequate life"
-Bertolt Brecht
August 5, 2020
What to do with property? Great opportunity for tenants to buy property By Andró Griessel 18 July 2020 The prime lending rate has been reduced to […]
July 22, 2020
Teach your children to fish If your child can fish financially, he is set up for life By Andró Griessel 19 November 2019 Give a man […]
July 13, 2020
When your income starts to dwindle… These are trying times for conservative investors By Cassie Carstens 27 June 2020 Among the three largest money market funds […]
July 6, 2020
How to adjust your retirement plan Consider these factors when planning for retirement By Samuel Rossouw 23 June 2020 Depending on where in the life cycle […]
June 24, 2020
Be wary of partial truths It may result in bad decisions that cost you in the long run By Andró Griessel 16/5/2020 In times of extreme […]
May 19, 2020
Manage your tax affairs A living annuity can have significant tax benefits for some individuals By Elmie de Jager 22/2/2020 A few weeks ago, my colleague […]
May 14, 2020
Take it easy for now However, the current market could be a good entry point if you are able to invest By Andró Griessel 25 April […]
May 6, 2020
Are you insured against COVID-19? Many are scrutinizing policy wording after lockdown By Willie Griessel 04 April 2020 The Coronavirus pandemic turned the whole world upside […]
March 23, 2020
The ghost of 2008 is back Coronavirus: Market reaction is heavily exaggerated By Andró Griessel 14 Mar 2020 Just in case you were in a coma […]
February 12, 2020
Who are the latest winners? Offshore equities perform the best in 2019, however… By Andró Griessel 11 Jan 2020 If you’ve got the impression that your […]
February 5, 2020
RA’s: Friend or foe? If used effectively, it holds numerous advantages By Cassie Carstens 01 Feb 2020 It is that time of the year where everyone […]
January 27, 2020
Which horse are you betting on? If you want to stay ahead, you need to understand your own unique risk profile By Cassie Carstens 30 Nov […]
January 14, 2020
Flex your financial muscles Sticking to financial new year’s resolutions is easier By Andró Griessel 21 Dec 2019 I hope that you are reading this with […]
January 8, 2020
Life annuities as a solution A few factors to consider before making a decision By Andró Griessel 19 Oct 2019 I recently received an email from […]
November 20, 2019
How not to make money Investors repeatedly shoot themselves in the foot By Andró Griessel 21 Sep 2019 In May 2014 I wrote an article named […]
October 28, 2019
History says little about future Buy & hold (in a balanced portfolio) remains your best bet By Andró Griessel 28 October 2019 How can you tell […]
October 11, 2019
Decision-making is not for the faint-hearted 03 August 2019 If I assume that basic opportunities (like education, family circumstances, access to health services) for all people […]
August 7, 2019
Even with a crystal ball in hand… 07 July 2019 Imagine it’s Tuesday morning, 1 December 2015. While your first cup of coffee is waiting for […]
May 24, 2019
Where will their help come from? “Have you never heard of the cradle-to-grave approach to client service?” a cheeky millennial asked me about two years ago. […]
February 11, 2019
Dollar cash the best place in 2018 but … Let’s be honest…most investors are more than a little worked up after the bad returns of the […]
November 12, 2018
Currency weakness: Is there lessons to learn from the past? At the time of writing this article the Rand is trading at about R 14.90 against […]
October 5, 2018
4 Myths in financial planning In the world of financial planning there are numerous “wisdoms” that gets shared which is probably not that wise, simple or […]
September 17, 2018
Offshore investments: Easier said than done “I want to take my money offshore” is probably the most common request we have received the past couple of […]
July 19, 2018
Tax on interest might be costing you The last 3 years has seen a lot of uncertainty in the market. You would not be blamed for […]
June 26, 2018
Inheritance: Here’s a plan In the first article that I wrote on inheritance by means of a comprehensive life policy (Click here to read more), I […]
May 23, 2018
Think twice about the inheritance you leave behind We frequently come across a situation where clients try to sort out their children’s bequests through life insurance, […]
May 2, 2018
Is Ramaphosa = Good times ahead? Mr. GJ van der Merwe from Ceres always used to say, “a fish rots from the head down.” South Africans […]
April 26, 2018
Is this 2018 or 2008? If you are an aggressive investor in growth assets, you’ll be excused if you open your March quarterly statement and think […]
March 2, 2018
Investments: So how much interest do you offer? By Cassie Carstens Although this question is not phrased in a sensible way, it is one that is […]
February 12, 2018
Do you want to become a lion’s lunch? As people we do not assess risk very well. Fortunately, the aviation industry learned this quickly and realised […]
January 16, 2018
Numbers tell a story, but read the whole book By this time, you have probably washed out the last grains ofsand from your ears and abandoned […]
December 23, 2017
Is it a good time to buy Steinhoff? “How does this Steinhoff debacle affect me? Should I invest in Steinhoff now?” These are by far the […]
December 22, 2017
How can I trust it? In marketing lectures in university there was a lot of talk around strategy, advertising and the making of the standard Nando’s […]
December 8, 2017
How to keep the Grinch at bay and still use your Christmas bonus wisely The year 2017 has had its ups and downs and chances are […]
December 5, 2017
Pedal through the tough times A friend of mine talked me into entering a 40km mountain bike event the other day in Paarl. The fact that […]
November 13, 2017
Put everything on red! There is a loud cheer (or is it a groan) at one of the roulette tables in the center of the casino. […]
October 24, 2017
Should I sell my Naspers shares? The above question about Naspers or similar questions about big positions in single shares is one that often comes up. […]
October 3, 2017
Sex, Bitcoin and Kubus The year is 1984 and the smell of rotten milk hangs over our back porch. No, my mother did not forget the […]
September 12, 2017
Until death or divorce The problem with working with numbers all day and basing decisions on probability is that you start looking at everything in terms […]
August 23, 2017
I want it all in cash! You would be excused if you read the heading of this article and immediately thought that this is about a […]
August 1, 2017
What is the recipe for success? A young colleague asked me the other day: “What makes the difference between those who achieve success and those who […]
July 10, 2017
Bubbles: The price you pay matters In a newsletter to clients on 6 December 2005 I wrote the following: “I am starting to feel like the […]
June 21, 2017
Knysna-fires: What if it happened to you? I overheard two guys in the gym this weekend discussing the Knysna-fires and the one says to the other: […]
June 5, 2017
Do you want to keep your financial cleft lip, forever? It takes about 45 minutes in surgery to repair a cleft lip. For the experienced surgeon, […]
May 9, 2017
How to get rich quick Let’s be honest, we all love the idea of overnight success or getting rich quickly. It is this idea that drives […]
May 3, 2017
Stay calm, even though it looks like Ship SA is sinking Anyone who followed the reports on the dramatic cash in transit heist at the OR […]
March 27, 2017
Food for thought for Golden Geese My initial reaction echoed the frustration of most market commentators when it was announced that the golden goose was ushered […]
March 9, 2017
The fine print of your life cover policy Most people would rather count the hair on their Jack Russel than read an article about life cover […]
February 21, 2017
Here’s the sum that will raise the hair at the back of your neck How much money do you really need to retire comfortably? It is […]
February 14, 2017
Should I cash in my pension fund and invest in my mortgage? We are often approached by analytical clients with this question. For those with an […]
January 25, 2017
Your wealth journey starts with a single step The best way to tackle any goal, whether it is losing weight or saving for retirement, is to […]
January 15, 2017
Listed property won by a mile Most people, except maybe Donald Trump, couldn’t wait to see the end of 2016. It was one of those years […]
November 14, 2016
You can drown in water averaging 30 cm deep There is a saying that you can drown in water averaging 30 cm deep. The principle behind […]
October 31, 2016
Invest like an All black Have you ever woken up in the middle of the night in a cold sweat, thinking “How the hell did I […]
October 14, 2016
Be wary of conflicts of interest People often ask: “How should I choose a financial advisor?” or “how do I distinguish between a capable and an […]
September 14, 2016
The R3 000 skin care products I once bought R3,000 worth of skincare products from a lady during a run-of-the-mill trip to a mall in Pretoria. […]
August 30, 2016
Why diversification may not be as simple as choosing a few fund managers How correlations can assist in managing behaviour. Ingé Lamprecht | 17 August 2016 JOHANNESBURG – […]
August 22, 2016
Watch out for Anchors If I had to ask two groups of people to guess how old Albert Einstein was when he died, I could influence […]
August 10, 2016
Investments: The risk of “I should have…” By Andró Griessel. “You should have sold your Richemont shares three years ago already. You did not earn a cent […]
June 22, 2016
Should I increase my property exposure? Deur Andró Griessel, 21 June 2016 JOHANNESBURG – In this investment column, Andró Griessel, managing director of ProVérte Wealth and Risk […]
February 23, 2016
Things to think about I need to start off with an apology. 2015 was one of those years where days were not long enough and hours […]
August 18, 2015
Professional Adviser or Assurance Agent You have probably all come across this picture before of the old witch… or is it a young lady… or is […]
March 9, 2015
Highlights of the 2015 National Budget Speech The marginal rate of the tax brackets for all individuals earning more than R181 900 per year has been increased […]
February 19, 2015
Don’t miss 28 February – by Samuel Rossouw February is a busy month. The World Cup Cricket has started (let’s hope they don’t choke again), the […]
October 20, 2014
How to cope with volatility – by Andró Griessel Looking at the heading of today’s writing, you would be forgiven for thinking that I am trying […]
August 5, 2014
Have we got it all wrong? – by Andró Griessel Most people reading this article has life cover with one or the other life insurance company. […]
May 6, 2014
Beware the rearview mirror – by Andró Griessel Before I get to the content of this issue of 2Cents, I want to quote a few wise […]
January 28, 2014
The hole in your bucket – by Andró Griessel It is that time of year again when everyone is curious about the forecast for the year […]
October 29, 2013
“Double Whammies” – by Samuel Rossouw We all know what a “double whammy” feels like (referred to hereafter as a DW). For example, it’s like when […]
