Personal investing

Here we provide some insights into your role in your investment success and you can also sign up for our 8-part investing 101 series to learn even more.

Articles in "Personal investing"

Seek financial advice to help you meet your financial goals

By Tamryn Lamb on 04 Oct 2019

reading time: 6 mins

The spotlight falls on the importance of having a financial plan during Financial Planning Week, taking place from 7 to 11 October 2019. With this in mind,...

Manage the investor not the investment

By Kevin Feather on 26 Sep 2019

reading time: 7 mins

In the spirit of World Financial Planning Day on 2 October and Financial Planning Week, which takes place from 7 to 11 October, is it time to review the way...

How bias can sink your investment success

By Tamryn Lamb on 25 Sep 2019

reading time: 5 mins

Everybody has biases. We make judgements about people, places, and of course, the markets. It is almost impossible not to allow the filters which are created...

Spring is here, it’s time to spring clean your finances

By Lettie Mzwinila on 25 Sep 2019

reading time: 4 mins

The year is flying by, but don’t let it pass without taking stock of your financial decisions, writes Lettie Mzwinila.

WATCH : The benefits of independent financial advice

By Tamryn Lamb on 20 Sep 2019

viewing time: 5 mins 19 seconds

Many investors underplay the importance of financial advice to the detriment of the performance of their portfolios over time. A good financial adviser can...

National Wills Week: Time to review your will

By Mlulami Nxele on 16 Sep 2019

reading time: 4 mins

National Wills Week, which takes place between 16 and 20 September, is the perfect opportunity to review your will, or get a will drafted for free.

WATCH : Avoid common behavioural biases when investing

By Maria Konnikova on 23 Aug 2019

viewing time: 1 min

Poker is known as a wicked environment: a setting that is dynamic and uncertain; where things are hidden, and you don’t always have all the information on...

How poker taught me to make better decisions

By Maria Konnikova on 30 Jul 2019

reading time: 7 mins

Psychologist, bestselling author and professional poker player, Maria Konnikova, recently inspired delegates at the Allan Gray Investment Summit 2019 to make...

Don't let your hard-earned savings go unclaimed

By Tim Molloy on 29 Jul 2019

reading time: 7 mins

According to reports, more than R17bn lies potentially unclaimed in unit trusts and policies. Tim Molloy explains how you can ensure this doesn’t happen to...

Should you take investment advice from family and friends?

By Lettie Mzwinila on 29 Jul 2019

reading time: 9 mins

Your friends and family may offer you financial advice with good intentions, but you should be wary of basing your investment decisions purely on stories...

Can you save more?

By Lettie Mzwinila on 26 Jul 2019

reading time: 4 mins

Whether you are just doing a regular check up on your long-term investments or evaluating your monthly savings plan, it is a good idea to review your financi...

How to get into the habit of saving this Savings Month

By Lettie Mzwinila on 18 Jul 2019

reading time: 7 mins

If you have tried to kick the sugar habit and eat only healthy food, or give up cigarettes and replace the habit with going to the gym, you can probably atte...

Steps to improve your investment decision making

By Didintle Mokonoto on 17 Jul 2019

reading time: 7 mins

Deterred by the large number of investment options available, many would-be investors fail to make the most important decision: the decision to start. Becomi...

CASE STUDY 2: Long-term investing for your child’s education

reading time: 2 mins

Meet parents Wayne and Makgabo van Niekerk from Johannesburg. They are paying for Ceana (six) and three-year-old Amber’s early education (crèche and primary...

CASE STUDY 1: Investing to pay school fees upfront for the year

reading time: 3 mins

A Johannesburg mother saves on fees by taking advantage of the discount offered by some schools to settle the year’s fees in full at the beginning of the yea...

PART 5: The role of financial advice in your investment success

By Ray Mhere on 16 Jul 2019

reading time: 7 mins

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...

PART 4: Investing offshore to finance international education

By Ray Mhere on 16 Jul 2019

reading time: 7 mins

It’s hard to make space for saving in our already-stretched budgets, but what about those of us who have children aspiring to spread their wings by studying...

PART 3: What are the best investment options for education savings?

By Ray Mhere on 16 Jul 2019

reading time: 9 mins

With the cost of education soaring, relying purely on your salary to finance your children’s education is becoming increasingly difficult. Consider saving fo...

PART 2: Saving for education – later is still better than never

By Ray Mhere on 16 Jul 2019

reading time: 7 mins

When it comes to paying for the best education for your child, making small sacrifices early on and taking a long-term approach to investing is the smart thi...

PART 1: How to overcome the growing cost of education

By Ray Mhere on 16 Jul 2019

reading time: 6 mins

Do you feel overwhelmed at the thought of how you will finance your children’s education? You are not alone. We all want to empower our children by giving th...

Ready… set… invest

By Mthobisi Mthimkhulu on 20 Jun 2019

reading time: 1 min

Investing is not a complicated activity only for rich people. It’s a great way to create financial security and everyone – even you – should get started,...

If it sounds too good to be true, it probably is

By Phiko Peter on 18 Jun 2019

reading time: 8 mins

Over the last two decades advances in digital technology have changed the way we shop, bank and manage our investments. In the spirit of empowering millennia...

Servicing your clients is easier with the new Allan Gray Online

By Nic da Silva on 11 Jun 2019

reading time: 7 mins

We have recently transformed the Allan Gray adviser site to offer you a more streamlined and visually appealing experience and ultimately help you service yo...

Can you live your best life and save for the long term?

By Noluyolo Betela on 10 Jun 2019

reading time: 7 mins

Here’s something you don’t often hear about millennials: We are better money savers than our elders, but does that translate into long-term wealth?

Grow your wealth by attending the Allan Gray Investment Summit

By Tamryn Lamb on 24 May 2019

reading time: 3 mins

After successfully bringing together renowned investment experts from all over the globe for two consecutive years to sold-out audiences, the Allan Gray...

Unravelling your residencies – exchange control, tax and citizenship

By Sunèl Delport and Mlulami Nxele on 10 May 2019

reading time: 15 mins

South Africans who live and work abroad are not currently subject to income tax on the income they earn outside of South Africa, provided they spend more tha...

Investors need to block out 'noise' ahead of elections

By Rob Formby on 06 May 2019

reading time: 3 mins

It is understandable for investors to feel jittery in the run-up to the national elections, but giving too much air time to market noise is never a good idea...

Have you chosen the right unit trust?

By Lettie Mzwinila on 29 Apr 2019

reading time: 8 mins

It’s a good idea to review your investments about once a year to make sure that things are on track. But what if they aren’t? How can you tell if “this, too,...

Diminished mental capacity: What happens to a person's investments?

By Jaya Leibowitz on 29 Apr 2019

reading time: 7 mins

Investors are generally unaware of the consequences of impaired mental capacity, resulting from neurocognitive disorders such as Alzheimer’s disease, when it...

How you can influence your investment outcomes

By Lettie Mzwinila on 16 Apr 2019

reading time: 6 mins

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...

2019 Budget speech update

By Carla Rossouw on 20 Feb 2019

reading time: 8 mins

Finance Minister Tito Mboweni delivered his maiden budget speech on Wednesday 20 February. In this document we highlight some of the 2019 Budget tax proposal...

Budget 2019: Focus shifts to restoring credibility

By Carla Rossouw on 20 Feb 2019

reading time: 4 mins

Finance Minister Tito Mboweni’s maiden Budget Speech didn’t deliver any major punches such as 2018’s surprise 1% VAT hike, but instead sought to acknowledge...

Is there any tax benefit in saving over the annual tax deductible amount towards retirement?

By Carrie Furman on 05 Feb 2019

reading time: 9 mins

One of the key benefits of investing for retirement using a retirement fund is the generous tax deduction for contributions, subject to a maximum of 27.5% of...

The trouble with switching

By Mthobisi Mthimkhulu on 25 Jan 2019

reading time: 8 mins

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

reading time: 7 mins

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...

LISTEN : The rules for making good investment decisions

By Lettie Mzwinila on 20 Dec 2018

listening time: 1 min

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

Part 4: The role of financial advice in your investment success

By Carla Rossouw on 18 Dec 2018

reading time: 7 mins

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...

How to approach your finances this festive season

By Lettie Mzwinila on 05 Dec 2018

reading time: 5 mins

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

reading time: 4 mins

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

reading time: 4 mins

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

Why retirement contributions don’t reduce your taxable capital gains

By Carrie Furman on 26 Oct 2018

reading time: 4 mins

You may be aware that every tax year you can make a pre-tax contribution to your retirement fund of up to 27.5% of the higher  of taxable income or...

What does the price of a unit trust mean?

By Ray Mhere on 17 Oct 2018

reading time: 7 mins

When you buy a product or a service, the price you pay for that item tells you something about it. An apple that costs R50 (suspiciously expensive) or an App...

Get advice to be more money savvy

By Lettie Mzwinila on 02 Oct 2018

reading time: 5 mins

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...

WATCH : How to select your asset manager

By Thandi Ngwane on 26 Sep 2018

viewing time: 1 min

Past performance is often the first, and sometimes only, consideration investors make when selecting an investment manager. However, performance is just one ...

Prioritise your dependants and loved ones during National Wills Week

By Sonja Smit on 17 Sep 2018

reading time: 10 mins

It’s National Wills week from the 17-21 September 2018 – consider taking advantage of the offer from a participating attorney to get your Last Will and...

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

By Thandi Ngwane on 12 Sep 2018

viewing time: 1 min

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...

Don't get caught short this tax season

By Carrie Furman on 31 Aug 2018

reading time: 4 mins

With the tax season deadlines brought forward by a month this year, it’s time to get your supporting documents ready and to do your return. Uncertainty actin...

How to thrive in choppy markets

By Andrew Lapping on 23 Aug 2018

reading time: 4 mins

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...

WATCH : Ride out volatility and maximise returns

By Andrew Lapping on 22 Aug 2018

viewing time: 1 min

Market fluctuations are an expected and necessary part of investing. While market volatility often presents good opportunities for value investors like Allan...

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

By Saleem Sonday on 27 Jul 2018

reading time: 4 mins

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...

Go on, take a financial wellness day off

By Lettie Mzwinila on 11 Jul 2018

reading time: 7 mins

July is National Savings Month, an ideal time to take a ‘personal financial wellness day’ off – a growing corporate trend in the US.

Bump up your savings with a tax-free investment

By Mthobisi Mthimkhulu on 30 Jun 2018

reading time: 7 mins

Have you taken the plunge and started your own business, but sacrificed some (if not all) of your savings to do it? Mthobisi Mthimkhulu suggests using a...

True rewards take time

By Zwelethu Nkosi on 30 Jun 2018

reading time: 9 mins

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

reading time: 4 mins

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

reading time: 2 mins

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...

How are companies governed?

By Nadia van der Merwe on 19 Apr 2018

reading time: 7 mins

When you invest in equities – either directly or through a unit trust – you become the part-owner of the business. Nadia van der Merwe explains the role of a...

Thinking about your view of risk

By Rob Formby on 19 Apr 2018

reading time: 7 mins

Our primary concern as an investment manager is creating wealth for clients. To do this, we need to balance investment performance for clients with the risk...

Let SARS help you pay for retirement

By on 11 Apr 2018

reading time: 6 mins

The South African Revenue Service (SARS) wants to help you pay for your retirement. The way in which they do this is by offering generous tax deductions when...

How to pave the way for better decisions

By Mthobisi Mthimkhulu on 22 Mar 2018

reading time: 7 mins

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...

The simple answers to investing

By Wanita Isaacs on 24 Jan 2018

reading time: 8 mins

Is the very thought of planning a barrier for you when it comes to investing? Or are you guilty of overanalysing and underacting? Wanita Isaacs investigates...

How to make better investment decisions in 2018

By Lettie Mzwinila on 08 Jan 2018

reading time: 3 mins

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 tame temptations

By Jeanette Marais on 22 Nov 2017

reading time: 6 mins

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

reading time: 7 mins

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

reading time: 6 mins

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

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

By Mthobisi Mthimkhulu on 23 Oct 2017

reading time: 4 mins

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

PART 6: Where can I invest my money?

By Mthobisi Mthimkhulu on 23 Oct 2017

reading time: 5 mins

There are so many investment managers to choose from, how do I figure out where I can invest my money...

PART 5: What should I invest in?

By Mthobisi Mthimkhulu on 17 Oct 2017

reading time: 6 mins

Tax and law are wrapped around every investment product. Knowing the rules can help you choose the right product for your needs...

PART 4: How do I start investing?

By Mthobisi Mthimkhulu on 09 Oct 2017

reading time: 6 mins

The first step is often the most difficult to make, but it does not have to be so with investing. Follow these tips to start off on the right foot...

PART 3: When should I start investing?

By Mthobisi Mthimkhulu on 02 Oct 2017

reading time: 4 mins

Time is of the essence when it comes to investing. Start now and benefit from the magic of compounding...

PART 2: How do I overcome the barriers to investing?

By Mthobisi Mthimkhulu on 25 Sep 2017

reading time: 5 mins

Not sure how to save money? Follow these five easy steps...

PART 1: Why you should invest

By Mthobisi Mthimkhulu on 18 Sep 2017

reading time: 5 mins

There are many reasons to invest. Start now: small sacrifices today can make a big difference over the long term...

Investment success: Don’t be your own worst enemy

By Morgan Housel on 06 Sep 2017

reading time: 4 mins

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...

WATCH : Pay attention to the right cues to improve your investment success

By Morgan Housel on 01 Sep 2017

viewing time: 1 min

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

reading time: 3 mins

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...

WATCH : How much risk can you take?

By Leonard Krüger on 30 Jun 2017

viewing time: 1 min

Risks are elevated in the current environment. This means you should think about how much risk you are prepared to take on...

How to cope with ongoing uncertainty

By Jeanette Marais on 24 May 2017

reading time: 5 mins

Over the past year there have been plenty of painful reminders that we have no control over what happens in the world. And there doesn’t seem to be any clari...

How to combat the budget pinch

By Carla Rossouw on 31 Mar 2017

reading time: 7 mins

Some weeks have passed since former Finance Minister Pravin Gordhan’s Budget speech, but we are only just beginning to feel the pinch. Carla Rossouw discusse...

How to read a factsheet

By Ray Mhere on 31 Dec 2016

reading time: 8 mins

The number of options when choosing a unit trust can be overwhelming and is one of the most common barriers to investing. Unit trusts are registered in...

What is a money market fund?

By Bekithemba Mafulela on 30 Sep 2016

reading time: 6 mins

Money market unit trusts, commonly referred to as ‘money market funds’, have become a synonym for safe, secure and reliable investments. You put your money i...

How to review your investments

By Wanita Isaacs on 31 Dec 2015

reading time: 6 mins

When last did you perform a financial health check by reviewing your investments? It's important to occasionally take stock to assess whether or not you are ...

Five tough financial decisions you may have to make… And why they are worth it

By Thandi Ngwane on 30 Nov 2015

reading time: 4 mins

Money decisions are never easy and often come down to personal circumstance and choice. If you are lucky enough to get a bonus or a 13 th cheque, should you...

Are we snookering ourselves with confirmation bias?

By Jeanette Marais on 26 May 2015

reading time: 5 mins

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...

Active versus passive

By Thandi Ngwane on 31 Mar 2015

reading time: 6 mins

As a proud advocate of a committed active manager, Thandi Ngwane does her best to stay objective in discussing the pros and cons of active and passive...

The theory of risk and return

By Wanita Isaacs on 31 Dec 2014

reading time: 4 mins

Wanita Isaacs offers some insights into how you can think about risk in your investment process. Efficient market theory holds that there is a direct...

The Allan Gray Investment Platform: high quality service with simple, transparent fund choice

By Jeanette Marais on 30 Jun 2012

reading time: 7 mins

Objectives for investing change throughout our lives, from buying a car or house, to longer-term goals, such as saving for our children's education and our...

The offshore conundrum

By Chris du Toit on 31 Mar 2011

reading time: 6 mins

A question often asked of us is: 'How much should I invest offshore?' This question has a different answer for each person. Another, perhaps more important,...

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