All it takes to excel at something – whether it’s mastering the ukulele, poaching the perfect egg or learning to solve the Rubik’s Cube – is consistent practice and dedication. 

When it comes to financial planning, the simple concept of consistency is equally effective. 

Read on to find out how consistency can transform your financial life.

In today’s frenetic world, pursuing spiritual well-being is often entwined with the need for financial stability. The relationship between spirituality and money is fascinating and intricate. It influences how we perceive success, happiness, and the essence of a meaningful life.

It may sound odd coming from your financial planners, but wealth is not the ultimate goal – fulfilment is. 

(And don’t be fooled into thinking that achieving a state of zen just happens … It requires lots of hard work.)

Everyone agrees that diversification is important for managing risk. But what does diversification look like in practice?

In this article, we take a look at what counts as diversification and what doesn’t – why you can own lots of different things, and still not have a diversified portfolio. 

We also illustrate the benefit of staying diversified from one year to the next.

Investors have been betting on when interest rates will come down since mid-2023, when the US Federal Reserve first paused rates. The South African Reserve Bank and most other central banks followed.

Since then, financial markets have been much more optimistic than the central banks on when – and by how much – interest rates will decline.