IIBWISE

Warren Ingram, CFP says financial news is noise: It might seem strange for a person who appears regularly in the media to state that financial news is noise.  I feel that very little financial reporting contains valuable information.  Real-time financial news actually inhibits good financial decision-making.  Most investors would be better off if they ignored financial […]

I recently attended an interesting presentation by Alexander Forbes regarding one of the most comprehensive research exercises ever done on employee benefits in SA. The “Alexander Forbes Benefits Barometer” has been published “against the background of government concerns that South Africa has one of the lowest savings ratios in the world. For example, the current

I have found this little economic “exercise” delightfully interesting – with Christmas hardly a fortnight away! Upon closer examination of the “menu” and after reading the notes at the end, I have decided not to “skip the pudding” over the festive season, but rather tighten my “financial belt” (budget effectively) and invest my savings in

Many investors approach financial service providers directly because they believe they can get a better deal by cutting out the ‘middle man’, the financial advisor. Getting appropriate financial advice is, however, essential to your financial wellbeing.  Read on …

As a South African, what are your concerns? If they are of a financial nature, e.g. Life Assurance, Disability Protection, Income Protection, Motor, Home, Business Protection, or saving/investing for/at Retirement or any other purpose – INSURED INVESTMENT BROKERS is an unbiased, fully transparent independent brokerage able to offer appropriate professional advice and a selected range

Compounding occurs when investment returns are added to your original investment and these additional amounts then start generating returns as well. Over time, you therefore earn returns on an increasingly larger investment, which magnifies the growth of your savings. In fact, Einstein himself referred to the effect of compounding as the “most powerful force in the

All economies move in cycles: good times follow bad times which again follow the good times. The trend over time is upward. Though each cycle will have its own unique characteristics, depth and duration, the chart below presents a simplified view of the business cycle. Below the chart is an explanation of the four typical

A person drawing down from their investments can choose from a number of different withdrawal strategies. One popular strategy is to set aside enough cash at the beginning of each year to meet that year’s spending requirements. The cash set aside earns money market interest rates at very low risk, while the rest of the

According to Delphine Govender, portfolio manager, Allan Gray, “We know for sure that we don’t know where the South African stock market might move to in the short term”. What we also know for sure is that there are a number of “Key investing truths” which we would be well advised to be mindful of. 

My advice to my clients as well as prospective clients is – please do yourselves a good act and read these simple truths presented here by Money Marketing about investing.  The contents bear out what I often emphasise in my practice to clients and which, unfortunately, are not always acted upon – to their own

It is often required of me to “educate” new clients to understand just how important it is to approach their financial planning from a holistic point of view and not from a single need, product driven point of view.  Holistic planning takes more time, but it is the right thing to do if you’re serious