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Wondering how to invest a lump sum? Instead of trying to time the market for a crash, consider phasing it in over 6-12 months. This approach can help mitigate risk and potentially lead to gains even in volatile times. Watch now: youtu.be/Di0PzSVLpvg

Missing just 10 of the best market days over 20 years can halve your returns. Panicking and selling means missing out on crucial rebounds. Building wealth is simple: invest consistently and let time work its magic. Don't over-engineer it.  Watch now: youtu.be/Di0PzSVLpvg

In this episode, Warren Ingram & Pieter de Villiers explore the nuances of investment timing, the psychological factors that influence investment decisions, practical strategies for phased investing, and more.  Listen now: tinyurl.com/34kczdye

Thinking about fixed deposits for a 10% return? Be mindful of taxes! High-income earners could lose 40-45% of that interest to tax, significantly impacting your net gain. Always compare 'apples to apples' after tax.  Watch now: youtu.be/KvbpnBHp9A4

Thinking about a 5-year horizon? It's not too short for growth, but too long for just cash. A balanced fund, combining equities, bonds, cash, and property, offers the best of both worlds: growth to beat inflation and stability to manage risk. Watch now: youtu.be/KvbpnBHp9A4

Learn how to build an investment portfolio that aligns with your future goals. The key is to allocate more to equities for distant goals, given their long-term outperformance.  Watch now: youtu.be/KvbpnBHp9A4

[New Blog]  Why See a Financial Planner? The Best Reason May Elude You - Martin Hesse "Over the past couple of decades, financial advice has gradually shifted from being primarily product-oriented to being more behaviour-oriented." Read more here: tinyurl.com/322tu7s3

Are your investment return expectations outdated? With inflation around 3%, a 10% return is excellent, offering 7% above inflation. It's time for South Africans to reset their assumptions about what constitutes a good stock market gain. Watch now: youtu.be/KvbpnBHp9A4

If you need your money back within 3 years, the stock market isn't the place. Focus on earning the highest, most certain interest rate. Explore RSA Retail or shop around for the best fixed deposit rates for your timeframe.  Watch now: youtu.be/KvbpnBHp9A4

In this episode, Warren Ingram and Pieter de Villiers explore investment strategies for medium-term goals like funding a child's education, discussing risk management, expected returns, and suitable investment vehicles. Listen now: tinyurl.com/md42a9nx

In South Africa's economy, making ends meet is tough. We discuss how one listener, likely a student, is saving half of their R10,000 monthly income. This early success indicates a promising career trajectory.  Watch now: youtu.be/7XHRVyTZO5A

Knowledge is power. Feeding your mind with good information helps you discern advice, even from professionals. If funds are tight, prioritize learning first before tax-advantaged accounts. You're already doing great by saving so much!  Watch now: youtu.be/7XHRVyTZO5A

Before chasing investments, boost your financial literacy. Educate yourself with free resources or affordable books. This mental investment sharpens your money mindset, positioning you for greater success when your income grows.  Watch now: youtu.be/7XHRVyTZO5A

[New Blog]  Beware the Fraud Surge – Bolster Your Defences - Martin Hesse  "The threat to consumers of financial fraud is getting worse by the day. AI, which in the wrong hands can be used with criminal intent..." Read now: tinyurl.com/ye262m65

Saving and investing early is smart, but without a clear 'why,' life's curveballs can derail you. Before chasing returns, build your emergency fund. Aim for 3-6 months of expenses to stay on track.  Watch now: youtu.be/7XHRVyTZO5A

Investing doesn't have to be complicated. It boils down to 3 core principles: invest in inflation-beating assets, use tax-efficient vehicles, & keep costs low with passive funds. Ignore the noise & stick to these basics for long-term success.  Watch now: youtu.be/7XHRVyTZO5A

Today, Warren Ingram & Pieter de Villiers explore how young professionals can navigate saving and investing with limited income, understanding your 'why', building an emergency fund, and the fundamentals of smart investing. Listen now: tinyurl.com/5fc5svex

Price is what you pay, value is what you get. If an investment platform is free, it raises flags. Are they profiting invisibly, or neglecting the platform? After 30yrs, I've seen that lasting platforms always charge a fair fee for transparency. Watch now: youtu.be/tL0H-nQkoXo

If your employer's group benefits are changing, don't rush to cancel. Explore options like reducing disability coverage or converting group life insurance; this continuation option is crucial for securing personal coverage later.  Watch now: youtu.be/tL0H-nQkoXo

Your insurance is crucial for risk management.  It's vital to review your policies annually, especially when changing employers, as you have a limited window (30-60 days) to decide on continuation options. Watch now: youtu.be/tL0H-nQkoXo