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What if everything goes down at once?

If you’ve ever looked at your portfolio during a market crisis, like March 2020, you may have noticed something unsettling: everything seemed to fall at once. Stocks dropped. Bonds wobbled. Even “safe” assets felt shaky. It’s a scenario that can leave even experienced investors wondering, “Isn’t diversification supposed to protect me from this?” It’s a fair question, and the answer is both yes and no. Diversification is one of the most powerful tools in investing. By […]

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How to spot tax‑season scams

Tax season is stressful enough without someone trying to steal your refund, or your identity. Yet every year, as millions of people file their returns, scammers ramp up their efforts to cash in on confusion, fear, and urgency. From Australia’s AI‑powered phishing emails to fake SARS refund sites in South Africa and HMRC impersonators in the UK, tax‑season scams are on the rise globally. Even the US IRS reports hundreds of thousands of identity‑theft cases tied […]

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Fasten your seatbelt

When markets get choppy, it’s natural to feel nervous. Everyone with a heart (and subsequent blood pressure…) will have a tinge of fear when volatility hits. You might see headlines shouting about “billions wiped off the market” or watch your portfolio dip and wonder if you should pull back until things settle. Again, you’re not alone. Most investors feel uneasy when the value of their investments swings — sometimes sharply — in a short time. But […]

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Why patience is part of the plan

When you look at your investment portfolio, it’s tempting to focus on what’s “winning” right now. You might notice one fund doing well and another lagging behind, and think: “Why am I holding on to this underperformer?” That’s a natural reaction, but it misses the point of diversification. In a properly diversified portfolio, there will almost always be something that looks disappointing in the short term. That isn’t a flaw; it’s the design. And understanding that […]

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Why diversification still works — even when it doesn’t feel like it

When markets are stormy, it’s easy to question whether diversification still works. You might look at your portfolio and think, “Everything seems down; what was the point of spreading my money around?” Or during a market rally, you might wonder, “Wouldn’t I have been better off just putting everything in the top-performing stock or fund?” These are reasonable questions, and they get to the heart of why diversification is both essential and, at times, uncomfortable. Diversification […]

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Behavioural Economics 101

Why don’t we always do what’s “best” with our money? Let’s be honest: most of us already know what we’re “supposed” to do with our money. But we don’t do it. Spend less than we earn. Save consistently. Invest for the long term. Avoid unnecessary debt. So why don’t we always do it? Why do we promise to start budgeting next month, then swipe the card anyway? Why do we panic when markets dip, even when […]

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Cost isn’t just what you pay

The true cost of a dollar, Rand or pound (or whatever you’re earning in) is not just what you earn. It’s what you give up to earn it. On paper, your salary might seem straightforward. $75,000 a year. £5,000 a month. R250 an hour. But those figures don’t tell the full story. What if the number you think you earn is hiding the real cost of how you earn it? This is the idea behind a […]

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Dream big, plan better, live fully

Financial freedom quickly become reduced to a number, a target income, a certain lifestyle, or a retirement account that signals “you’ve made it.” But in reality, it’s more nuanced than that. It’s not just about what you have, it’s about how you feel. It’s about the sense of control, clarity, and calm that comes from knowing your money is working for you, not the other way around. Step 1: Dream big Financial freedom begins with imagination. […]

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Guided or manipulated?

Good advice has always been about helping people make wise choices. But in the age of behavioural finance, there’s a new layer to consider: how we help people make those choices. Enter the concept of “nudging.” A nudge is a subtle prompt designed to steer someone toward a better decision, without removing their freedom to choose. It might be as simple as asking, “Would you like to set up an automated savings plan while we’re here?” […]

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What is fear costing you?

Most of us like to think we’re being practical with our money. We weigh up the risks, run the numbers, and avoid decisions that feel too uncertain. But here’s a thought: what if what we call “practical” is sometimes just fear in disguise? It’s easy to equate safety with staying put. Leaving your money in the bank feels secure, after all, you can see it, touch it, and access it at any time. But over time, […]

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