Ray Mhere

Ray joined Allan Gray in 2010 and is currently the Johannesburg regional manager. He holds a BCom degree in Economics and Law from the University of Cape Town and a postgraduate diploma in Financial Planning from the University of the Free State.

Articles by Ray Mhere

How to save for retirement when you work for yourself

By Ray Mhere on 12 Nov 2019

Driven by the desire for greater flexibility, and improvements in technology, many skilled workers are turning to the gig economy to earn a living. Working...

CASE STUDY 2: Long-term investing for your child’s education

By Ray Mhere on 16 Jul 2019

Meet parents Wayne and Makgabo van Niekerk from Johannesburg. They are paying for Ceana (six) and three-year-old Amber’s early education (crèche and primary...

CASE STUDY 1: Investing to pay school fees upfront for the year

By Ray Mhere on 16 Jul 2019

A Johannesburg mother saves on fees by taking advantage of the discount offered by some schools to settle the year’s fees in full at the beginning of the yea...

PART 5: The role of financial advice in your investment success

By Ray Mhere on 16 Jul 2019

You wouldn’t gamble with your health by not seeing a professional, why do it with your financial future? Consult an independent financial adviser to help you...

PART 4: Investing offshore to finance international education

By Ray Mhere on 16 Jul 2019

It’s hard to make space for saving in our already-stretched budgets, but what about those of us who have children aspiring to spread their wings by studying...

PART 2: Saving for education – later is still better than never

By Ray Mhere on 16 Jul 2019

When it comes to paying for the best education for your child, making small sacrifices early on and taking a long-term approach to investing is the smart thi...

PART 1: How to overcome the growing cost of education

By Ray Mhere on 16 Jul 2019

Do you feel overwhelmed at the thought of how you will finance your children’s education? You are not alone. We all want to empower our children by giving th...

PART 3: What are the best investment options for education savings?

By Ray Mhere on 16 Jul 2019

With the cost of education soaring, relying purely on your salary to finance your children’s education is becoming increasingly difficult. Consider saving fo...

What does the price of a unit trust mean?

By Ray Mhere on 17 Oct 2018

When you buy a product or a service, the price you pay for that item tells you something about it. An apple that costs R50 (suspiciously expensive) or an App...

How to read a factsheet

By Ray Mhere on 31 Dec 2016

The number of options when choosing a unit trust can be overwhelming and is one of the most common barriers to investing. Unit trusts are registered in...


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