Personal investing

Here we provide some insights into your role in your investment success and you can also sign up for our 8-part investing 101 series to learn even more.

Articles in "Personal investing"

To file or not to file a tax return

By Carla Rossouw on 16 Oct 2019

reading time: 6 mins

The South African Revenue Service’s (SARS’) 2019 tax season for non-provisional individual taxpayers officially started on 1 August 2019, with those filing v...

Seek financial advice to help you meet your financial goals

By Tamryn Lamb on 04 Oct 2019

reading time: 6 mins

The spotlight falls on the importance of having a financial plan during Financial Planning Week, taking place from 7 to 11 October 2019. With this in mind,...

Savings clubs: A great way to invest

By Noluyolo Betela on 27 Sep 2019

reading time: 7 mins

Many of us would like to put money aside for saving and investing but struggle to remain committed and disciplined each month. Being part of a savings club i...

Manage the investor not the investment

By Kevin Feather on 26 Sep 2019

reading time: 7 mins

In the spirit of World Financial Planning Day on 2 October and Financial Planning Week, which takes place from 7 to 11 October, is it time to review the way...

How bias can sink your investment success

By Tamryn Lamb on 25 Sep 2019

reading time: 5 mins

Everybody has biases. We make judgements about people, places, and of course, the markets. It is almost impossible not to allow the filters which are created...

Spring is here, it’s time to spring clean your finances

By Lettie Mzwinila on 25 Sep 2019

reading time: 4 mins

The year is flying by, but don’t let it pass without taking stock of your financial decisions, writes Lettie Mzwinila.

WATCH : The benefits of independent financial advice

By Tamryn Lamb on 20 Sep 2019

viewing time: 5 mins 19 seconds

Many investors underplay the importance of financial advice to the detriment of the performance of their portfolios over time. A good financial adviser can...

National Wills Week: Time to review your will

By Mlulami Nxele on 16 Sep 2019

reading time: 4 mins

National Wills Week, which takes place between 16 and 20 September, is the perfect opportunity to review your will, or get a will drafted for free.

WATCH : Avoid common behavioural biases when investing

By Maria Konnikova on 23 Aug 2019

viewing time: 1 min

Poker is known as a wicked environment: a setting that is dynamic and uncertain; where things are hidden, and you don’t always have all the information on...

How poker taught me to make better decisions

By Maria Konnikova on 30 Jul 2019

reading time: 7 mins

Psychologist, bestselling author and professional poker player, Maria Konnikova, recently inspired delegates at the Allan Gray Investment Summit 2019 to make...

Don't let your hard-earned savings go unclaimed

By Tim Molloy on 29 Jul 2019

reading time: 7 mins

According to reports, more than R17bn lies potentially unclaimed in unit trusts and policies. Tim Molloy explains how you can ensure this doesn’t happen to...

Should you take investment advice from family and friends?

By Lettie Mzwinila on 29 Jul 2019

reading time: 9 mins

Your friends and family may offer you financial advice with good intentions, but you should be wary of basing your investment decisions purely on stories...

Can you save more?

By Lettie Mzwinila on 26 Jul 2019

reading time: 4 mins

Whether you are just doing a regular check up on your long-term investments or evaluating your monthly savings plan, it is a good idea to review your financi...

How to get into the habit of saving this Savings Month

By Lettie Mzwinila on 18 Jul 2019

reading time: 7 mins

If you have tried to kick the sugar habit and eat only healthy food, or give up cigarettes and replace the habit with going to the gym, you can probably atte...

Steps to improve your investment decision making

By Didintle Mokonoto on 17 Jul 2019

reading time: 7 mins

Deterred by the large number of investment options available, many would-be investors fail to make the most important decision: the decision to start. Becomi...

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

reading time: 2 mins

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

reading time: 3 mins

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

reading time: 7 mins

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

reading time: 7 mins

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

By Ray Mhere on 16 Jul 2019

reading time: 9 mins

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

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

By Ray Mhere on 16 Jul 2019

reading time: 7 mins

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

reading time: 6 mins

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...

Ready… set… invest

By Mthobisi Mthimkhulu on 20 Jun 2019

reading time: 1 min

Investing is not a complicated activity only for rich people. It’s a great way to create financial security and everyone – even you – should get started,...

If it sounds too good to be true, it probably is

By Phiko Peter on 18 Jun 2019

reading time: 8 mins

Over the last two decades advances in digital technology have changed the way we shop, bank and manage our investments. In the spirit of empowering millennia...

Servicing your clients is easier with the new Allan Gray Online

By Nic da Silva on 11 Jun 2019

reading time: 7 mins

We have recently transformed the Allan Gray adviser site to offer you a more streamlined and visually appealing experience and ultimately help you service yo...

Can you live your best life and save for the long term?

By Noluyolo Betela on 10 Jun 2019

reading time: 7 mins

Here’s something you don’t often hear about millennials: We are better money savers than our elders, but does that translate into long-term wealth?

Grow your wealth by attending the Allan Gray Investment Summit

By Tamryn Lamb on 24 May 2019

reading time: 3 mins

After successfully bringing together renowned investment experts from all over the globe for two consecutive years to sold-out audiences, the Allan Gray...

Unravelling your residencies – exchange control, tax and citizenship

By Sunèl Delport and Mlulami Nxele on 10 May 2019

reading time: 15 mins

South Africans who live and work abroad are not currently subject to income tax on the income they earn outside of South Africa, provided they spend more tha...

Investors need to block out 'noise' ahead of elections

By Rob Formby on 06 May 2019

reading time: 3 mins

It is understandable for investors to feel jittery in the run-up to the national elections, but giving too much air time to market noise is never a good idea...

Have you chosen the right unit trust?

By Lettie Mzwinila on 29 Apr 2019

reading time: 8 mins

It’s a good idea to review your investments about once a year to make sure that things are on track. But what if they aren’t? How can you tell if “this, too,...

Diminished mental capacity: What happens to a person's investments?

By Jaya Leibowitz on 29 Apr 2019

reading time: 7 mins

Investors are generally unaware of the consequences of impaired mental capacity, resulting from neurocognitive disorders such as Alzheimer’s disease, when it...

How you can influence your investment outcomes

By Lettie Mzwinila on 16 Apr 2019

reading time: 6 mins

After an undeniably tough 2018, the local market staged a turnaround during the first quarter. But the atmosphere in the country is blowing hot and cold: As...

2019 Budget speech update

By Carla Rossouw on 20 Feb 2019

reading time: 8 mins

Finance Minister Tito Mboweni delivered his maiden budget speech on Wednesday 20 February. In this document we highlight some of the 2019 Budget tax proposal...

Budget 2019: Focus shifts to restoring credibility

By Carla Rossouw on 20 Feb 2019

reading time: 4 mins

Finance Minister Tito Mboweni’s maiden Budget Speech didn’t deliver any major punches such as 2018’s surprise 1% VAT hike, but instead sought to acknowledge...

Is there any tax benefit in saving over the annual tax deductible amount towards retirement?

By Carrie Furman on 05 Feb 2019

reading time: 9 mins

One of the key benefits of investing for retirement using a retirement fund is the generous tax deduction for contributions, subject to a maximum of 27.5% of...

The trouble with switching

By Mthobisi Mthimkhulu on 25 Jan 2019

reading time: 8 mins

During periods of underperformance, even the most experienced investors get tempted to switch funds in search of better returns. However, switching funds in...

Give your finances a fresh start

By Ciani Gower on 24 Jan 2019

reading time: 7 mins

The first few weeks of a new year can feel like a clean slate: Past imperfections are relegated to history and you can redefine what you want to achieve in t...

LISTEN : The rules for making good investment decisions

By Lettie Mzwinila on 20 Dec 2018

listening time: 1 min

People are prone to making predictions about everything from the weather to the economy. However, relying on predictions when investing can thwart your...

Part 4: The role of financial advice in your investment success

By Carla Rossouw on 18 Dec 2018

reading time: 7 mins

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 3: How to take full advantage of the tax benefits of your products

By Carla Rossouw on 18 Dec 2018

reading time: 9 mins

It’s a good idea to check in on your investments annually – many investors do this every February, just before the end of the tax year, to make sure they hav...

Part 2: How can I earn higher investment returns and pay less tax?

By Carla Rossouw on 18 Dec 2018

reading time: 7 mins

It’s important to understand how taxes are applied in different investment products and how this ultimately impacts your investment returns...

Part 1: How to be more tax savvy

By Carla Rossouw on 18 Dec 2018

reading time: 3 mins

If, like most of us, you would like to see more return in your account and less in the hands of the tax man, it is important to engage with the details to...

How to approach your finances this festive season

By Lettie Mzwinila on 05 Dec 2018

reading time: 5 mins

In the hive of festive activity, it’s easy to forget your financial goals and spend more than you planned. Next thing you know, it’s the New Year and the lon...

Give yourself the gift of balance this festive season

By Lettie Mzwinila on 30 Nov 2018

reading time: 4 mins

The festive season is upon us and as much as we all relish letting go, balancing spending and other indulgences with a bit of discipline can go some way to...

Make sure divorce doesn't cost your savings

By Mlulami Nxele on 16 Nov 2018

reading time: 4 mins

Going through a divorce can be extremely tough emotionally, but it can take a huge toll on your finances as well.

Why retirement contributions don’t reduce your taxable capital gains

By Carrie Furman on 26 Oct 2018

reading time: 4 mins

You may be aware that every tax year you can make a pre-tax contribution to your retirement fund of up to 27.5% of the higher  of taxable income or...

What does the price of a unit trust mean?

By Ray Mhere on 17 Oct 2018

reading time: 7 mins

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...

Get advice to be more money savvy

By Lettie Mzwinila on 02 Oct 2018

reading time: 5 mins

Reports* show that as a millennial investor you have a savvy attitude towards cash and you want to be in-the-know about how to grow your money. The value of...

WATCH : How to select your asset manager

By Thandi Ngwane on 26 Sep 2018

viewing time: 1 min

Past performance is often the first, and sometimes only, consideration investors make when selecting an investment manager. However, performance is just one ...

Prioritise your dependants and loved ones during National Wills Week

By Sonja Smit on 17 Sep 2018

reading time: 10 mins

It’s National Wills week from the 17-21 September 2018 – consider taking advantage of the offer from a participating attorney to get your Last Will and...

WATCH : How to select a unit trust that’s right for you

By Thandi Ngwane on 12 Sep 2018

viewing time: 1 min

There are over 1 500 unit trusts available in South Africa – what criteria should you apply to select one (or more) that best suits your needs and...

Don't get caught short this tax season

By Carrie Furman on 31 Aug 2018

reading time: 4 mins

With the tax season deadlines brought forward by a month this year, it’s time to get your supporting documents ready and to do your return. Uncertainty actin...

How to thrive in choppy markets

By Andrew Lapping on 23 Aug 2018

reading time: 4 mins

This year has been characterised by increased volatility and concern about the global risks – from trade disputes to inflation. After a strong start to the...

WATCH : Ride out volatility and maximise returns

By Andrew Lapping on 22 Aug 2018

viewing time: 1 min

Market fluctuations are an expected and necessary part of investing. While market volatility often presents good opportunities for value investors like Allan...

Employer-assisted savings can help fix SA's dire savings rate

By Saleem Sonday on 27 Jul 2018

reading time: 4 mins

July is National Savings Month in South Africa. Is there more you can be doing as an employer to help your employees save towards their future financial...

Go on, take a financial wellness day off

By Lettie Mzwinila on 11 Jul 2018

reading time: 7 mins

July is National Savings Month, an ideal time to take a ‘personal financial wellness day’ off – a growing corporate trend in the US.

Bump up your savings with a tax-free investment

By Mthobisi Mthimkhulu on 30 Jun 2018

reading time: 7 mins

Have you taken the plunge and started your own business, but sacrificed some (if not all) of your savings to do it? Mthobisi Mthimkhulu suggests using a...

True rewards take time

By Zwelethu Nkosi on 30 Jun 2018

reading time: 9 mins

Allan Gray’s advertising strategy has always been built around the characteristics of the firm and continues to tap into human truths that connect with our...

How to become the next Sylvia Bloom

By Bekithemba Mafulela on 29 Jun 2018

reading time: 4 mins

A recent New York Times article took many investors by surprise: A frugal legal secretary, who worked at the same firm for 67 years until she retired at the...

Investment Summit brings together 10 of world’s top investment experts

By Tamryn Lamb on 08 Jun 2018

reading time: 2 mins

The Allan Gray Investment Summit will bring together over 3000 investors who will gather to listen to investment experts from around the world.  From where t...

How are companies governed?

By Nadia van der Merwe on 19 Apr 2018

reading time: 7 mins

When you invest in equities – either directly or through a unit trust – you become the part-owner of the business. Nadia van der Merwe explains the role of a...

Thinking about your view of risk

By Rob Formby on 19 Apr 2018

reading time: 7 mins

Our primary concern as an investment manager is creating wealth for clients. To do this, we need to balance investment performance for clients with the risk...

Let SARS help you pay for retirement

By on 11 Apr 2018

reading time: 6 mins

The South African Revenue Service (SARS) wants to help you pay for your retirement. The way in which they do this is by offering generous tax deductions when...

Don't let good news headlines thwart your savings plans

By Rob Formby on 06 Apr 2018

reading time: 2 mins

Positive sentiment in the country is being fuelled by a change in political leadership, the stronger rand, a higher-than-expected GDP growth rate and a more...

Cashing in on your tax refund

By Bekithemba Mafulela on 29 Mar 2018

reading time: 3 mins

Between April 2017 and February 2018, the South African Revenue Service (SARS) paid out more than R205 billion to taxpayers. If you are lucky enough to have...

How to pave the way for better decisions

By Mthobisi Mthimkhulu on 22 Mar 2018

reading time: 7 mins

The decisions we make are a function of the environment that we are in, according to behavioural economists. Put in a different environment, or faced with a...

VAT increase unavoidable

By Carla Rossouw on 02 Mar 2018

reading time: 4 mins

The Budget Speech delivered by Finance Minister Malusi Gigaba was a careful step in the right direction in an environment where hard decisions are...

2018 Budget speech update

By Carrie Furman on 21 Feb 2018

reading time: 4 mins

The Minister of Finance announced amendments to tax and other legislation that may affect investors. These changes come into effect on 1 March 2018...

How to maximise tax benefits before the end of the tax year

By Carla Rossouw on 24 Jan 2018

reading time: 10 mins

The end of February is the end of the tax year. Carla Rossouw explains why this is a good time to take maximum advantage of the incentives the government has...

The simple answers to investing

By Wanita Isaacs on 24 Jan 2018

reading time: 8 mins

Is the very thought of planning a barrier for you when it comes to investing? Or are you guilty of overanalysing and underacting? Wanita Isaacs investigates...

How to make better investment decisions in 2018

By Lettie Mzwinila on 08 Jan 2018

reading time: 3 mins

Investment experts, economists and industries are more prone to making predictions during the New Year, given the renewed sense of focus and excited...

How to prevent a financial hangover this festive season

By Bekithemba Mafulela on 08 Dec 2017

reading time: 5 mins

If the festive season sends you into a panic and sees you mentally tallying up added expenses, such as gifts, getaways and groceries, you may need a financia...

How to tame temptations

By Jeanette Marais on 22 Nov 2017

reading time: 6 mins

A survey conducted by the University of Pennsylvania a few years ago asked respondents to rank their strengths in 24 different skills. Self-control ended up ...

PART 8: The role of financial advice in your investment success

By Mthobisi Mthimkhulu on 30 Oct 2017

reading time: 7 mins

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...

Bad predictions and good decisions

By Lettie Mzwinila on 24 Oct 2017

reading time: 5 mins

“Most of us view the world as more benign than it really is, our own attributes as more favourable than they truly are, and the goals we adopt as more...

The four fundamental skills of all investing

By Morgan Housel on 24 Oct 2017

reading time: 6 mins

We are excited to introduce guest contributor Morgan Housel, a partner at the  Collaborative Fund (US), and an expert in behavioural finance and investing...

PART 7: How to make money from investing - your role

By Mthobisi Mthimkhulu on 23 Oct 2017

reading time: 4 mins

Take control of your emotions! Your behaviour is the wildcard when it comes to making money from investing...

PART 6: Where can I invest my money?

By Mthobisi Mthimkhulu on 23 Oct 2017

reading time: 5 mins

There are so many investment managers to choose from, how do I figure out where I can invest my money...

PART 5: What should I invest in?

By Mthobisi Mthimkhulu on 17 Oct 2017

reading time: 6 mins

Tax and law are wrapped around every investment product. Knowing the rules can help you choose the right product for your needs...

PART 4: How do I start investing?

By Mthobisi Mthimkhulu on 09 Oct 2017

reading time: 6 mins

The first step is often the most difficult to make, but it does not have to be so with investing. Follow these tips to start off on the right foot...

Tax season: Your top tax investment questions answered

By Carla Rossouw on 06 Oct 2017

reading time: 4 mins

Confused about how to report on your investments to SARS? With the 2017 tax season in full swing, now is the time to get your documents ready.

PART 3: When should I start investing?

By Mthobisi Mthimkhulu on 02 Oct 2017

reading time: 4 mins

Time is of the essence when it comes to investing. Start now and benefit from the magic of compounding...

Should you see a financial adviser?

By Jeanette Marais on 29 Sep 2017

reading time: 5 mins

With World Financial Planning Day happening on 4 October, there is no better time to get your financial house in order. If you have never sought the help of ...

PART 2: How do I overcome the barriers to investing?

By Mthobisi Mthimkhulu on 25 Sep 2017

reading time: 5 mins

Not sure how to save money? Follow these five easy steps...

PART 1: Why you should invest

By Mthobisi Mthimkhulu on 18 Sep 2017

reading time: 5 mins

There are many reasons to invest. Start now: small sacrifices today can make a big difference over the long term...

Five things to consider when drafting your Will

By Thandi Ngwane on 11 Sep 2017

reading time: 4 mins

It is said that the only certain things in life are death and taxes. Why is it then that so many of us fail to plan for when these inevitable things meet? In...

Investment success: Don’t be your own worst enemy

By Morgan Housel on 06 Sep 2017

reading time: 4 mins

The biggest risk which investors face is themselves, because the mistakes they commonly make are based on their own behaviour and personal biases, warns Morg...

WATCH : Pay attention to the right cues to improve your investment success

By Morgan Housel on 01 Sep 2017

viewing time: 1 min

To be a successful investor it is critical to separate your goals from others who are playing a different game...

Take charge of your finance this Women's month

By Jeanette Marais on 14 Aug 2017

reading time: 9 mins

A man is not a financial plan and women today are becoming more aware of the fact that they must take ownership of their finances. August is Women’s month, s...

Investment Summit to give an inside view from fund management houses

By Jeanette Marais on 21 Jul 2017

reading time: 3 mins

Allan Gray is bringing a group of international and local investment houses together to debate investment insights in a new one-day event, aimed at helping...

How to protect and grow your Stokvel

By Lettie Mzwinila on 07 Jul 2017

reading time: 3 mins

Saving is often the last thing on our minds when we have extra money and can seem daunting.  But have you considered investing as part of a group?...

WATCH : How much risk can you take?

By Leonard Krüger on 30 Jun 2017

viewing time: 1 min

Risks are elevated in the current environment. This means you should think about how much risk you are prepared to take on...

How to cope with ongoing uncertainty

By Jeanette Marais on 24 May 2017

reading time: 5 mins

Over the past year there have been plenty of painful reminders that we have no control over what happens in the world. And there doesn’t seem to be any clari...

Are you on track to achieve your 2017 financial goals?

By Thandi Ngwane on 19 May 2017

reading time: 4 mins

With 2017 in full swing, make sure you stick to your new year’s resolutions when it comes to your personal finances with the below five-point checklist...

Junk status: Diversification is key to protect against market shocks

By Jeanette Marais on 05 May 2017

reading time: 3 mins

The best thing you can do during periods of heightened uncertainty is to stick to your investment plan...

When is a debit order the better option?

By Bekithemba Mafulela on 31 Mar 2017

reading time: 5 mins

When you think about starting a new investment there are two ways to approach it: either you invest in one go with a lump sum or you do recurring investments...

How to combat the budget pinch

By Carla Rossouw on 31 Mar 2017

reading time: 7 mins

Some weeks have passed since former Finance Minister Pravin Gordhan’s Budget speech, but we are only just beginning to feel the pinch. Carla Rossouw discusse...

Read beyond the Budget headlines: Bracket creep hits low to middle income earners

By Richard Carter on 23 Feb 2017

reading time: 3 mins

The 2017 Budget had some surprises, especially for the wealthy, with steep increases in income tax and dividend withholding tax. But the silent tax increase ...

LISTEN : How does the Budget impact me?

By Richard Carter on 23 Feb 2017

listening time: 9 mins

The 2017 Budget had some surprises, especially for the wealthy, with steep increases in income tax and dividend withholding tax. But we need to look beyond t...

2017 Budget speech update

By Carla Rossouw on 23 Feb 2017

reading time: 4 mins

The Minister of Finance announced amendments to tax and other legislation that may affect investors. These changes are discussed in detail below and, unless...

How to recognise a Ponzi scheme

By Thandi Ngwane on 17 Feb 2017

reading time: 4 mins

How can you tell the difference between a great potential investment and a great sales pitch? Bold promises of lofty returns are made to unsuspecting victims...

How to maximise tax benefits before the end of the tax year

By Carla Rossouw on 31 Dec 2016

reading time: 8 mins

Every year at around this time – ahead of the end of the tax year in February – we remind investors to think about taking advantage of some of the incentives...

How to read a factsheet

By Ray Mhere on 31 Dec 2016

reading time: 8 mins

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...

LISTEN : The role you play in your investment success

By Thandi Ngwane on 23 Dec 2016

listening time: 12 mins

How can you make sure you get the best value out of your investment? Listen to this 12-minute interview on PowerFM Business with Andile Khumalo, where Thandi...

The role of financial advice in your investment success

By Nazia Kahlon on 13 Dec 2016

reading time: 7 mins

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...

Primed for the windfall

By Bekithemba Mafulela on 01 Dec 2016

reading time: 5 mins

Between stimulus and response, there is a space. In that space is our power to choose our response. In our response lies our growth and our freedom. - Viktor...

Five reasons to invest part of your bonus

By Bekithemba Mafulela on 25 Nov 2016

reading time: 4 mins

It has been a difficult year financially worldwide, with political and economic uncertainty dominating global news headlines. In this context, not every...

What is a money market fund?

By Bekithemba Mafulela on 30 Sep 2016

reading time: 6 mins

Money market unit trusts, commonly referred to as ‘money market funds’, have become a synonym for safe, secure and reliable investments. You put your money i...

Read the fine print before you decide to withdraw or retire from your preservation fund

By Carla Rossouw and Carrie Furman on 30 Sep 2016

reading time: 6 mins

South Africans on average change jobs about five to seven times during their working lives. More than two-thirds do not preserve their retirement savings whe...

How to be a better long-term investor

By Shaheed Mohamed on 30 Sep 2016

reading time: 10 mins

Is your behaviour standing in the way of your investment success? Shaheed Mohamed helps us become more aware of common biases so that we can adjust our...

LISTEN : Should I invest in a unit trust?

By Wanita Isaacs on 27 Sep 2016

listening time: 10 mins

You can invest in unit trusts for most of your financial goals, from saving for longer-term needs, to meeting your shorter-term objectives...

Your last Will & testament: Tips to ensure your loved ones are covered

By Thandi Ngwane on 13 Sep 2016

reading time: 4 mins

What happens to your investments when you die? Will they pass to your loved ones, as you would want? An uncomfortable topic to think about, but one that we a...

Considering getting financial advice? Four key questions to ask your adviser

By Thandi Ngwane on 05 Sep 2016

reading time: 5 mins

You wouldn’t gamble with your health by not seeing a professional, why do it with your financial future? Independent financial advisers can make a significan...

How to make sense of tax in unit trusts

By Richard Carter on 29 Aug 2016

reading time: 1 min

The tax you pay can have big impact on your return over time. While you cannot make investment decisions based on tax alone, it is also a factor that cannot ...

WATCH : Invest for your child’s future today with a tax-free investment account

By Richard Carter on 19 Aug 2016

viewing time: 1 min

For most parents looking to make a long-term investment on behalf of their minor children, a tax-free investment account is an option worth investigating....

Are you a saver or a borrower?

By Bekithemba Mafulela on 10 Aug 2016

reading time: 6 mins

It is difficult to be a fence sitter when it comes to investing and wealth creation. Either you are a saver, and are providing for your needs, both present a...

How can I earn higher returns and pay less tax?

By Richard Carter and Jeanette Marais on 30 Jun 2016

reading time: 10 mins

Tax has a significant impact on the returns of your investment. If, like most of us, you would like to see more return in your account and less in the hands ...

What happens when I die?

By Thandi Ngwane on 31 Mar 2016

reading time: 9 mins

Thinking about death is uncomfortable. But, trying to rebuild your life after the death of a loved one and dealing with questions of money is a stress that...

2016 Budget speech update

By Carla Rossouw on 26 Feb 2016

reading time: 6 mins

The Minister of Finance announced amendments to tax and other legislation that may affect investors.

February: Don’t miss out on your 2015/2016 tax breaks

By Jeanette Marais on 18 Feb 2016

reading time: 7 mins

The end of the tax year is fast approaching – but there is still time to take advantage of some of the incentives the government has put in place to encourag...

How to review your investments

By Wanita Isaacs on 31 Dec 2015

reading time: 6 mins

When last did you perform a financial health check by reviewing your investments? It's important to occasionally take stock to assess whether or not you are ...

Five tough financial decisions you may have to make… And why they are worth it

By Thandi Ngwane on 30 Nov 2015

reading time: 4 mins

Money decisions are never easy and often come down to personal circumstance and choice. If you are lucky enough to get a bonus or a 13 th cheque, should you...

Saving in a rising interest rate environment

By Jeanette Marais on 20 Nov 2015

reading time: 4 mins

The South African Reserve bank has announced an interest rate increase from 6% to 6.25% confirming that the country is in a rising interest rate cycle.   Whi...

The pitfalls of investing, and the role of financial advice

By Thandi Ngwane on 16 Nov 2015

reading time: 5 mins

Many investors lack the time, knowledge and experience to invest successfully, often encountering difficulties that could have been avoided had they taken...

Your minor children and the taxman

By Carla Rossouw on 06 Nov 2015

reading time: 5 mins

Investing on behalf of your children is a generous act of foresight and, if you can afford to do it, opens up future opportunities for them. Unit trusts are ...

Tales of rice and rewards

By Jeanette Marais on 05 Oct 2015

reading time: 6 mins

We often talk about the value of time in investing, but it is difficult to really get to grips with the rewards that can be reaped through compound growth:...

Commitment counts

By Zwelethu Nkosi on 30 Sep 2015

reading time: 6 mins

There will always be ups and downs in the markets as much as in life. To deliver great long-term investment performance we believe a fund manager needs to...

What is outperformance?

By Thandi Ngwane on 30 Sep 2015

reading time: 6 mins

While the dictionary definition of outperformance is simple, the complexity starts when we want to understand it in the context of our investments, as we are...

Are we snookering ourselves with confirmation bias?

By Jeanette Marais on 26 May 2015

reading time: 5 mins

We have written regularly about investor behaviour, noting how emotions can be our worst enemy. Driven by fear and greed, many investors buy high and sell lo...

Active versus passive

By Thandi Ngwane on 31 Mar 2015

reading time: 6 mins

As a proud advocate of a committed active manager, Thandi Ngwane does her best to stay objective in discussing the pros and cons of active and passive...

The theory of risk and return

By Wanita Isaacs on 31 Dec 2014

reading time: 4 mins

Wanita Isaacs offers some insights into how you can think about risk in your investment process. Efficient market theory holds that there is a direct...

Tomorrow versus today

By Chris Tisdall on 12 Dec 2014

reading time: 5 mins

Despite all of the economic doom and gloom in our newspapers, South Africans are buying a lot of new cars...

Understand the impact of inflation

By Thandi Ngwane on 30 Sep 2014

reading time: 4 mins

There are different types of investment risks, some more obvious than others. One risk that people often forget about is the risk that their invested money...

Your role in your investment success

By Wanita Isaacs on 30 Sep 2014

reading time: 7 mins

For some time now we have been saying that across asset classes, prices are high. Many of you may be wondering whether or not you should be making changes to...

Are your investment goals, products and expectations suitably aligned?

By Jeanette Marais on 01 Aug 2014

reading time: 4 mins

Our investment goals depend on our personal priorities in life and there is no generic set of goals that applies to everyone, and no set timeline for achievi...

Thinking long term

By Wanita Isaacs on 30 Jun 2014

reading time: 4 mins

We encourage people to invest for the long term. But how long is long term and what does this mean for investment decision-making? Wanita Isaacs offers some...

What is switching?

By Thandi Ngwane on 31 Mar 2014

reading time: 5 mins

We often caution investors against 'switching' at the wrong moments. But what exactly is switching and how do you know whether or not it is an opportune time...

What are the merits of good independent advice?

By Jeanette Marais on 31 Mar 2014

reading time: 8 mins

Many investors lack the time, knowledge and experience to invest successfully, often encountering difficulties that could have been avoided had they taken...

What compounding can do for you

By Wanita Isaacs on 31 Dec 2013

reading time: 3 mins

'Compound interest is the eighth wonder of the world. Those who understand it, earn it... those who don't, pay it.' – Albert Einstein Compounding is when the...

Do you need a financial check-up?

By Thandi Ngwane on 19 Dec 2013

reading time: 6 mins

The end of the year is a good time to review your financial well-being and put some new year’s resolutions in place that aim for better saving and spending...

Fund ratings: an additional tool for your decision-making toolkit

By Jeanette Marais on 13 Oct 2013

reading time: 6 mins

Over the last 10 years the unit trust industry in South Africa has enjoyed substantial growth both in assets under management and in the number of funds...

Investing tutorials: Why preserve?

By Thandi Ngwane on 30 Sep 2013

reading time: 3 mins

Learn more about investing and personal finance in 'Investing tutorials', a new addition to our Quarterly Commentary. South Africans on average change jobs...

Distraction is the enemy

By Henk Pieterse and Zwelethu Nkosi on 30 Sep 2013

reading time: 8 mins

In an always-on, connected world, distractions are around all the time. We have well over a hundred television channels available 24 hours a day, seven days ...

July is Savings month - a good time to reassess your spending decisions

By Thandi Ngwane on 09 Jul 2013

reading time: 7 mins

When deciding what to do with disposable income, South Africans spend money far more easily than we save. This is reflected in South Africa’s very low saving...

How to select the right investment manager

By Rory Maguire on 25 Mar 2013

reading time: 6 mins

It is challenging for investors and their advisers to differentiate between investment managers in an ever-changing landscape. When assessing who is best...

Making sense of unit trust categories and intentions

By Rob Formby on 31 Dec 2012

reading time: 8 mins

We aim to ensure that our range of funds offers enough choice to meet your needs but remains manageable, without being confusing or creating too much overlap...

Make financial planning a priority in 2013

By Jeanette Marais on 10 Dec 2012

reading time: 4 mins

Research from the US1 shows that financial planning is a critical factor separating those who are on track to meet their financial goals and those who are...

Investing for education

By Wanita Isaacs on 30 Sep 2012

reading time: 7 mins

As Wanita Isaacs joins the ranks of parents investigating ways to afford the best possible education for their children, she learns that, although long-term...

A balancing act

By Rob Formby on 27 Sep 2012

reading time: 5 mins

We have written at length about the perils of switching and trying to time the market, noting how investor behaviour plays an important role in investor...

Logic fails to prevail in investment decision making

By Carl Richards and Jeanette Marais on 24 Aug 2012

reading time: 4 mins

Most of us make the same mistake with our money over and over again: we buy high out of greed and sell low out of fear, despite knowing on an intellectual...

The cost of waiting to save

By Shaun Duddy on 06 Jul 2012

reading time: 4 mins

Whether you want to save for your retirement, a child’s education or an overseas trip, starting now can significantly reduce the cost of reaching your goals....

The Allan Gray Investment Platform: high quality service with simple, transparent fund choice

By Jeanette Marais on 30 Jun 2012

reading time: 7 mins

Objectives for investing change throughout our lives, from buying a car or house, to longer-term goals, such as saving for our children's education and our...

The real effect of Dividend Withholding Tax

By Johann Grandia on 26 Apr 2012

reading time: 5 mins

The new Dividend Withholding Tax (DWT) replaced Secondary Tax on Companies (STC) on 1 April 2012. Investors are understandably concerned about the long-term...

Online: your service channel of choice?

By Shabnam Osman on 31 Mar 2012

reading time: 6 mins

South Africa has seen a surge of internet users recently, with the number doubling over the last two years, and the current count standing at around 6.5...

Dividend Withholding Tax increases to 15%

By Carla Rossouw on 24 Feb 2012

reading time: 5 mins

During his recent budget speech, Minister of Finance Pravin Gordhan, announced that Dividend Withholding Tax (DWT) will be levied at a rate of 15% when it is...

Everything can be improved

By Michael Summerton on 31 Dec 2011

reading time: 7 mins

We are obsessed with always providing you with the best service and hope that, if we fall short of these standards, you will complain. Your honest feedback...

New Dividend Withholding Tax: how will it affect you?

By Carla Rossouw on 31 Dec 2011

reading time: 6 mins

As part of his February 2011 Budget speech, Minister of Finance Pravin Gordhan announced that Dividend Withholding Tax would come into effect from 1 April...

Delayed gratification is priceless

By Rob Formby on 02 Dec 2011

reading time: 6 mins

Acknowledging your future financial needs and making concrete plans to meet these is a discipline that will benefit you and your family enormously. It is the...

Use your head not your heart and think long term

By Jeanette Marais on 17 Nov 2011

reading time: 6 mins

A key step when planning your investment is choosing the right unit trust based on your risk profile and priorities and then staying invested to reap the...

It is worthwhile starting to save early - a little can go a long way

By Jeanette Marais on 20 Oct 2011

reading time: 5 mins

You can substantially improve your financial situation if you start saving sooner rather than later and you will be a step closer to being financially...

Time flies

By Henk Pieterse on 30 Sep 2011

reading time: 5 mins

The first half of our lives we spend wishing time would hurry up - life simply moves too slowly. The second half, however, we wish time would slow down; ever...

Questions for personal investing

By Rob Formby on 31 Mar 2011

reading time: 11 mins

Rob Formby suggests five questions you may want to ask regarding your personal investments. Every person's situation is unique, so the list is not exhaustive...

The offshore conundrum

By Chris du Toit on 31 Mar 2011

reading time: 6 mins

A question often asked of us is: 'How much should I invest offshore?' This question has a different answer for each person. Another, perhaps more important,...

Investing made not so scary

By Henk Pieterse on 30 Sep 2010

reading time: 5 mins

Many people find investing in financial products intimidating and complicated, and so they procrastinate and miss out on the benefits of being invested for...

What safeguards are in place to protect your individual investments?

By Taryn Hirsch on 30 Sep 2010

reading time: 7 mins

At Allan Gray we believe that a critical part of your investment decision is arming yourself with full knowledge of the risks you will be exposed to. There i...

Service worth talking about

By Chris Tisdall on 30 Jun 2010

reading time: 7 mins

Although we do our utmost to provide exceptional investment returns we cannot guarantee that we will always get it right - we have no control over market...

Capital Gains Tax and how it affects unit trust investors

By Rob Formby on 31 Mar 2010

reading time: 8 mins

At Allan Gray, we focus on managing your investments. We acknowledge that there are important aspects of investing - such as tax on your investments - that a...

The role of financial advice in helping you become a better long-term investor

By Jeanette Marais on 31 Mar 2010

reading time: 8 mins

In the Quarterly Commentary 3 of 2008, Richard Carter explained the difference between fund and investor returns. He outlined both our role at Allan Gray and...

The benefits and pitfalls of foreign diversification

By Chris du Toit on 30 Sep 2009

reading time: 8 mins

Most South African investors looking to diversify will choose to include offshore assets in their portfolio. The trick is to select the right combination of...

The cost of too much choice

By Marisa Kaplan on 30 Sep 2009

reading time: 7 mins

People are attracted to choice, but that does not mean that having more choice will lead to better decisions, or a better decision-making process. Research h...

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