OIG addresses client investment uncertainties through hot topics including staying invested, Bitcoin as an investment, inflation, to name but a few.
These insights are written by the investment professionals of OIG and provide clarity on these pressing issues, empowering clients to navigate market fluctuations confidently and make informed investment decisions.
As the South African summer emerges, it ushers many reasons to loosen the purse strings. Shop fronts are covered in tinsel and spending season is in the air. Instead of closing our eyes and swiping away, it’s a good time to be cognisant of our spending habits and behaviours.
Over the past decade, the Magnificent Seven have dominated market returns, much like the leading tech companies of the dot-com era. The dot-com bubble serves as a powerful example of the risks associated with market exuberance and concentration. While today’s Magnificent Seven are more established than many of the dot-com-era companies, valuation risks and market concentration concerns persist.
As we close out 2024, it's the perfect time to reflect on the financial decisions we've made this year and consider the changes we can implement as we head into 2025. By setting clear financial resolutions, we can navigate the challenges and opportunities the new year presents, steering towards a more secure and prosperous financial future.
We examine how retirement income choices, particularly living and life annuities, impact financial well-being and mental health. Our finances significantly impact our emotional health because money influences various aspects of our lives.
According to SARS, as of early October 2024, a staggering R21.4 billion had been paid out in two-pot withdrawals. It almost comes as no surprise that the bulk of these funds has been used to address pressing needs such as home repairs, car expenses, and short-term debt.
Instant gratification can get the best of us and we often don't think twice about treating ourselves when goods are on sale. Consumers rarely have the same instant enthusiasm when it comes to saving and investing.
What does a rate cut mean for investors? The quote often attributed to Albert Einstein acts as a good starting point – “Compound interest is the eighth wonder of the word. He who understands it, earns it; he who doesn’t, pays it”. Put simply – interest is earned on money in the bank, but paid on debt owed.
With the US Elections underway, investors are at the edge of their seats. The US elections are a stark reminder of the interconnectedness of global economies and markets, and by extension, its impact on investors across the globe.
OIG’s Capital Edge Portfolio strategy offers investors a low-risk and stable long-term total return while allowing regular withdrawals. The portfolio will predominantly invest in interest-bearing investment products, while also making use of up to 30% hedge funds.
To truly reap the rewards and benefits of a Tax-free investment, it should be seen as such – an investment for the long term. In fact, the longer, the better! When treated this way, it can be an extremely powerful tool for long-term wealth creation and retirement planning.
While every care and effort has been taken to ensure the accuracy of the information provided, any information shared on this website does not constitute advice as defined in the Financial Advisory and Intermediary Services Act, 2002. It is your responsibility to get professional advice to determine whether any information taken from our website will suit your personal circumstances. Authorised Financial Services Provider | FSP 43488
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