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Articles tagged as "Investor behaviour"

How you can influence your investment outcomes

By Lettie Mzwinila on 16 Apr 2019

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...

The trouble with switching

By Mthobisi Mthimkhulu on 25 Jan 2019

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

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...

The rules for making good investment decisions

By Lettie Mzwinila on 20 Dec 2018

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

How to approach your finances this festive season

By Lettie Mzwinila on 05 Dec 2018

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

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

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

How to prevent a financial day zero

By Belinda Carbutt on 12 Nov 2018

Over the past year, Western Cape residents have had to envisage a future without running water and adapt their lifestyles accordingly. They have rallied...

Get advice to be more money savvy

By Lettie Mzwinila on 02 Oct 2018

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...

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

By Thandi Ngwane on 12 Sep 2018

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...

How to thrive in choppy markets

By Andrew Lapping on 23 Aug 2018

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...

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

By Saleem Sonday on 27 Jul 2018

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...

True rewards take time

By Zwelethu Nkosi on 30 Jun 2018

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

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

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...

Introducing ‘Father’s share’, our new TV advert

By Zwelethu Nkosi on 11 May 2018

We are excited to announce the launch of our new television advert, developed in partnership with King James the Second and Plank Productions, directed by Pe...

Finding opportunity in the volatility

By Andrew Lapping on 19 Apr 2018

The first quarter proved to be a difficult one with the Allan Gray Equity, Balanced and Stable Funds all delivering negative returns. The most significant...

Don't let good news headlines thwart your savings plans

By Rob Formby on 06 Apr 2018

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

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

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...

Study reveals reliance on recent performance in picking unit trusts

By Shaheed Mohamed on 09 Mar 2018

Shaheed Mohamed surveyed more than 400 financial advisers in South Africa to identify attributes that financial advisers in South Africa consider when...

How to make better investment decisions in 2018

By Lettie Mzwinila on 08 Jan 2018

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

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

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

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...

The four fundamental skills of all investing

By Morgan Housel on 24 Oct 2017

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

The value of bitcoin

By Jacques Plaut on 24 Oct 2017

The total market value of all bitcoins is US$80bn, which is more than the value of Richemont and triple the value of Anglo American. It is the topic on which...

Bad predictions and good decisions

By Lettie Mzwinila on 24 Oct 2017

“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...

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

By Mthobisi Mthimkhulu on 23 Oct 2017

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

Is now the time to invest?

By Todd Buchholz and Andrew Lapping on 12 Oct 2017

Is it time to put your money under the mattress or is it time to invest? Watch this 7-min clip with Andrew Lapping, our chief investment officer, and Todd...

Should you see a financial adviser?

By Jeanette Marais on 29 Sep 2017

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 ...

Investment success: Don’t be your own worst enemy

By Morgan Housel on 06 Sep 2017

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...

Pay attention to the right cues to improve your investment success

By Morgan Housel on 01 Sep 2017

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

Investment Summit to give an inside view from fund management houses

By Jeanette Marais on 21 Jul 2017

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...

Are you on track to achieve your 2017 financial goals?

By Thandi Ngwane on 19 May 2017

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

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

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 recognise a Ponzi scheme

By Thandi Ngwane on 17 Feb 2017

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...

The role you play in your investment success

By Thandi Ngwane on 23 Dec 2016

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

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

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

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

How to be a better long-term investor

By Shaheed Mohamed on 30 Sep 2016

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...

Should you invest offshore at R15/US$?

By Tamryn Lamb on 01 Aug 2016

It is exceptionally difficult to decide when is the best time to invest offshore based on news headlines. If you want to get more for what you pay, investing...

Broaden your horizons with offshore investments

By Tamryn Lamb on 14 Jun 2016

It is natural to feel uneasy about your finances during times of uncertainty. However, one should be wary of making decisions based on short-term events. The...

How to save for a comfortable retirement

By Wanita Isaacs on 31 Mar 2016

How much is enough to save for a comfortable retirement? Wanita Isaacs unpacks the concepts of ‘enough’ and ‘comfortable’ in the context of this distant,...

The pitfalls of investing, and the role of financial advice

By Thandi Ngwane on 16 Nov 2015

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

Tales of rice and rewards

By Jeanette Marais on 05 Oct 2015

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:...

Are we snookering ourselves with confirmation bias?

By Jeanette Marais on 26 May 2015

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...

Tomorrow versus today

By Chris Tisdall on 12 Dec 2014

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

Your role in your investment success

By Wanita Isaacs on 30 Sep 2014

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

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

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

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

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

Time to review your equity exposure?

By Ian Liddle on 27 Jan 2014

Adapted from the Chief Investment Officer’s comments, which will appear in the Allan Gray Unit Trust Annual Report, 2013. We aim to grow our clients’ wealth...

What compounding can do for you

By Wanita Isaacs on 31 Dec 2013

'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

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...

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

By Thandi Ngwane on 09 Jul 2013

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...

Not the time to relax risk appetite

By Ian Liddle on 28 Jan 2013

In his 1988 annual letter to shareholders, Warren Buffett wrote: ‘We have no idea how long the excesses will last, nor do we know what will change the...

Making sense of unit trust categories and intentions

By Rob Formby on 31 Dec 2012

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

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...

Make sustainability a priority when planning your retirement income

By Richard Carter on 29 Oct 2012

Over the last 20 years pension funds have increasingly passed the responsibility for generating income after retirement on to retirees and insurers, rather...

Investing for education

By Wanita Isaacs on 30 Sep 2012

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

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

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

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....

Delayed gratification is priceless

By Rob Formby on 02 Dec 2011

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

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

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...

Do the more restrictive individual investment limits on RAs outweigh their tax benefits?

By Wanita Isaacs and Christo Terblanche on 30 Sep 2011

Previously, retirement funds were considered an obvious choice for many investors due to the tax benefits they afforded. However, changes to Regulation 28 of...

What we know for sure

By Delphine Govender on 01 Sep 2011

At Allan Gray we prefer not to opine over reasons for short-term movements in stock markets and share prices and we shy away from predicting changes in the...

Questions for personal investing

By Rob Formby on 31 Mar 2011

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

By Jeanette Marais on 31 Mar 2010

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 cost of too much choice

By Marisa Kaplan on 30 Sep 2009

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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