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Ask yourself these questions BEFORE switching funds

As financial planning conversations deepen and explore more value, we find ourselves moving from the empirical to the emotional, from processes to perceptions and from products to people. It’s an enlightening journey that takes us away from numbers and allows us to reflect and reconstruct our future planning approach. But, it’s also extremely challenging as we find questions we can’t easily answer; but, that’s still healthier than having answers we can’t question! This point of reflection […]

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Re-train your brain for healthier relationships

At the heart of everything, we find relationships. Most of these are unintentional relationships that happen situationally, but some are relationships that stem from our choices. From the moment we enter the world, we will have a relationship with everyone and everything: from the space around us to the people who are present and how each made us feel. While these connections are as old as life, the Scientific Revolution sparked Newton’s insight in 1687. He […]

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The secret to building wealth

The root of our wealth is not in our income or our spending; it’s in our behaviour. Our habits make us wealthy, not the markets. Some have said that sound financial management comes down to spending less than we earn – but whilst this adage holds merit, it’s a lot more complicated in practice. It’s complicated because people are complicated. It’s not helpful to tell someone who is already relying on credit to get through the […]

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Building your Money IQ… and EQ!

Would you consider yourself to be financially intelligent? Depending on how you answer that, here’s another tough question: how much do you trust yourself to manage your own finances? Often we find that after answering the second question, clients want to go back and reanswer the first! And, that’s okay. As Ken Honda suggests, there’s more than one type of financial intelligence, and we can work on both to be happy and prosperous. Honda, Japan’s no. […]

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Crypto can be taxing

One of the early appeals for cryptocurrencies was that they would not be taxed as they are not fiat currencies (yet), in that they are not owned by a country or used for trade inside of geographical tender regulations. However, as these platforms grow and develop, we are seeing that this is most likely not the case. According to several governments, cryptocurrencies, such as Bitcoin, are classified as “intangible assets” – as opposed to, say, property […]

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Making mindfulness easier

Anything in life that is truly worth doing – is not easy. It is easy to forget this when we see others doing really well and making the difficult seem like a cinch. We don’t see all the hard work that goes into the background. But in our own areas of expertise, we have had to start from level zero and apply ourselves over time to gain the knowledge and experience akin to being proficient. When […]

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Ready to be more resilient?

We can’t change what happens to us, but we can change how we respond to what happens to us, and within us. Everything ages, but not everything ages well. Some things can wither from the inside out if they do not have a well-developed resilience. Resilience is the ability to bounce back and withstand stressors. It is to have the capacity to recover quickly from difficulties. For us, resilience is something that we need to work […]

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Offshore shouldn’t be off-putting

“… your money deserves to go places,” Ninety One (dual-listed on both the South African and London Stock Exchanges). Many people who choose to stay in a country feel a sense of pride and patriotism for their local residence. Whether it’s a native birth-right or an adopted sense of nationalism, buying, supporting and investing local is an important priority. So much so that the thought of moving money offshore can be off-putting. But when it comes to sound […]

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Four Fresh Investment Ideas

We all want more from life. We want to live a good and meaningful life. This is how we generate hope, by believing that there is something new for us to discover, fresh for us to share and fulfilling for us to experience. Sometimes life will gift us a reward that we haven’t had to work for directly, but for everything else, it is a constant cycle of trade-offs. We have many resources at our disposal, […]

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Planning reduces anxiety

We don’t plan because we fear the future. We plan because we realize we can enjoy today more by reducing the anxiety of tomorrow. Most people accept that planning offers us a detailed proposal for doing or achieving something. When we plan, we map out the possible steps of our ideal life journey before taking them. Some of our biggest fears orbit around the unknown, so if we can clarify what our future might look like, […]

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