The end of the year, and the time for giving are rapidly approaching. If you are fortunate enough to be receiving a 13th cheque, perhaps it’s worth thinking about doing something meaningful with some of that money.

Gifting an investment or making a donation to a worthy cause are great ways to do something more with a part of your bonus. And they will certainly last longer than anything you can wrap in a box.

Read on for some ideas, and some things to think about when giving a gift that will grow over time.

We’ve all dreamt of owning a holiday house at some point. But, as your financial advisors, we feel it’s important to point out a few (holiday) home truths…

There’s no denying that a holiday home can foster generations of memories and endless fun for the whole family. 

But owning a second home can also add a whole new layer of hassle and expense to your life. 

We’re not saying you shouldn’t buy one. But we are saying you should think carefully before you do.

Anyone keeping an eye on the stock market will know that 2022 has been very different to 2021. Last year, the JSE All Share Index gained 29.2%. This year, it’s down close to 20%.

But why does the market go through these big swings? Why do we have market cycles where for long periods share prices march upwards, only for this to end in an inevitable crash? Why is there a constant battle between the bulls and the bears?

In this article we look at the contradictions and eccentricities of stock markets and ask why they never settle around an average. 

Hail ‘hot spots’ in Gauteng and KwaZulu-Natal continue to impact clients. Research shows hail events are most frequent from around mid-November through February and peak in the afternoon, between 13:00 and 17:00. Hail events concentrate mainly in the southeast of the country, along the Highveld and the eastern parts of the country.

We include below some tips to help clients prepare for the hail season ahead.