By Hannes Viljoen, CFA, CFP What would your answer be to the following question: Who has more wealth, a 60-year-old man with R5million or a 21-year-old with R5million? The answer depends on how you would define the concept of wealth. Should you
By Martin de Bruyn, CFA, CFP Last month was national wills month in South Africa and it is worth pausing to reflect on whether you have a valid and updated will. Also, is the appointed executor still the correct person or business
By Martin de Bruyn, CFA, CFP® PROFILE16 MAY, 2023 Advice to budding wealth managers: Start as early as you can Martin de Bruyn of Impetus Wealth Advisors wishes he had begun his wealth management career sooner. BYELEANOR BECKER Martin de Bruyn wishes
By Martin de Bruyn, CFA, CFP® Given the news headlines surrounding Silicon Valley Bank, I want to provide you with a market update. This should arm you with the right information and to let you know our stance regarding your financial progress.
By Martin de Bruyn, CFA, CFP Load-shedding, water-shedding, weight-shedding (post the holidays)… January felt quite tough but yet the All Share Index was up about 10% and the same for the MSCI All Country World Index (ZAR). It is just fascinating how
By Martin de Bruyn, CFA, CFP In May I attended the Morningstar US investment conference in Chicago, Illinois, and visited Morningstar’s head office in downtown Chicago. Before Chicago, I spent three days in New York just to get a taste of The
By Martin de Bruyn, CFA, CFP Current demand for oil is set to surpass pre-pandemic levels as global supply looks likely to tighten as a result of the Russia-Ukraine conflict. Oil prices have increased sharply and are close to the highest levels
By Martin de Bruyn, CFA, CFP I’d like to keep you updated with our early observations regarding the Russian concerns and open a dialogue if you want to discuss your financial plan. Let’s start with perspective about the Ukraine/Russian situation. This geopolitical
by Martin de Bruyn, CFP, CFA With the end of the 2021/2022 tax year looming, now is the time to boost your savings by investing in a Retirement Annuity (RA) before February 28, 2022. Investing in an RA not only helps to
by Martin de Bruyn, CFA, CFP® After a strong recovery in markets since the COVID setback, we’re finding a lot of people are anchoring around double their money lately. This is an area we can add value—not to promise quick riches, of
by Martin de Bruyn, CFA, CFP® As we get closer to 2022, I’d like to use this opportunity to position you strongly for the year ahead. As such, we’ve put together a short 10-point checklist of financial things to think about. If
by Martin de Bruyn, CFA, CFP® I came across some recent research and thought you would find it valuable. I therefore share it with you and would love to hear your thoughts. In short, it does a good job highlighting that true
by Martin de Bruyn, CFA, CFP® Please note that anyone can invest in cryptocurrencies, but it is unregulated and as such nothing written here should be construed as advice. It is merely meant to enlighten the reader as to the opportunities and
by Martin de Bruyn, CFA, CFP® Please note that anyone can invest in cryptocurrencies, but it is unregulated and as such nothing written here should be construed as advice. It is merely meant to enlighten the reader as to the opportunities and
by Martin de Bruyn, CFA, CFP® Please note that anyone can invest in cryptocurrencies, but it is unregulated and as such nothing written here should be construed as advice. It is merely meant to enlighten the reader as to the opportunities and
By Martin de Bruyn, CFA, CFP® The answer is yes, so if you don’t have time, you can trust me and stop reading. 😊 I recently read a personal finance article in a Sunday newspaper, where the writer suggested that it may
By Martin de Bruyn, CFA, CFP® 2020 was probably the most extraordinary year for most investors. Despite the experiences of 1987, 2000 and 2008 few, if any, were prepared for 2020. The global virus crisis (GVC) caught everyone by surprise, with no
by Martin de Bruyn, CFA, CFP® Please note that anyone can invest in cryptocurrencies, but it is unregulated and as such nothing written here should be construed as advice. It is merely
by Martin de Bruyn, CFA, CFP® Please note that anyone can invest in cryptocurrencies, but it is unregulated and as such nothing written here should be construed as advice. It is merely
By Martin de Bruyn, CFA, CFP® The answer is yes, so if you don’t have time, you can trust me and stop reading. 😊 I recently read a personal finance article in
By Martin de Bruyn, CFA, CFP® 2020 was probably the most extraordinary year for most investors. Despite the experiences of 1987, 2000 and 2008 few, if any, were prepared for 2020. The
by Pieter Venter, B.Iuris, CFP® It is widely known that a Will can be a highly effective estate planning tool. Over and above a valid last Will and Testament however, there are
by Pieter Venter, B.Iuris, CFP® What is a letter of wishes and where does this fit in? To answer this it should be noted that a letter of wishes is not a
by Martin de Bruyn, CFA, CFP® Markets are truly fascinating. This year we have witnessed a market crash and are in the midst of probably the biggest economic contraction ever, yet the
