Kristia van Heerden, Author at Just One Lap

The Fat Wallet Show with Kristia van Heerden

Podcast: More money, more problems

Kristia van Heerden 2 April 2018Latest, The Fat Wallet

It’s becoming increasingly clear that access to money isn’t always the best thing. In last week’s episode, Pieter explained how access to a free house and investments didn’t make him great at money. Fat Wallet bestie and newly appointed spy, Wilhelm, sent us news from the front line this week. Wilhelm started sorting out his ...

ETF: Value ETFs unpacked

Kristia van Heerden 28 March 2018ETF Blog, Latest

Effective 1 March 2023, this ETF is now Satrix Value Equity ETF (JSE code: STXVEQ) Fans of Warren Buffett are most likely also fans of value investing. The concept is extremely popular due to its intuitive nature. First, you find a good company whose share price is below what the company is really worth. You ...

Money Hacks: Save interest on your home loan

Kristia van Heerden 27 March 2018Latest, Money hacks

For those who know how to use it properly, access to credit can be a wealth creator. This week’s Money Hack comes from Jenny, whose sister figured out a way to make her access bond work for her.

Podcast: Saving for your kids is not enough

Kristia van Heerden 26 March 2018Latest, The Fat Wallet

So many Fat Wallet listeners are diligently setting money aside for their kids. We often field questions about investments and suitable investment vehicles for children. Being able to send your child into adult life with enough money is a noble aspiration. We don’t often encounter people who benefited from this type of financial leg-up, making ...

Community post: Why ETFs should be questioned

Kristia van Heerden 23 March 2018Community post, Latest

Our friend Keith Mclachlan raised some concerns around ETFs this week. Our local ETFs keep getting lower TERs, but worse and worse market-makers (wider spreads, worse liquidity, &/or longer periods of zero market-making). Bidding spreads, liquidity & market-makers are hidden costs that aren't disclosed in the TER. Beware of these. — Keith McLachlan (@keithmclachlan) March ...

ETF: Total return ETFs explained

Kristia van Heerden 21 March 2018ETF Blog, Latest

Note: New legislation regarding the availability of total return ETFs is expected in the first half of 2023 In this week’s Fat Wallet Show, we talk about the tax implications of investing in a total return ETF. In this article we’ll flesh out the discussion. We’ll explain what a total return ETF is, who might ...

Podcast: Figuring out investment fees

Kristia van Heerden 19 March 2018Latest, The Fat Wallet

A few weeks ago I attended a 10X event in Johannesburg. Being a low-cost retirement annuity (RA) provider, obviously much of the discussion centred around fees. Steven Nathan, who runs 10X, did an analysis of a statement sent by an old-school retirement product provider. He used the real example to illustrate how impossible it can ...

ETF: When companies fall out of the index

Kristia van Heerden 14 March 2018ETF Blog, Latest

An ETF is made up of investments in a number of different companies. Many investors worry about the impact of the performance of a single share on the performance of the ETF. This is especially of concern in an ETF weighted by market capitalisation, where bigger companies have a bigger impact on the price movement ...

Podcast: ETFs in your 20s

Kristia van Heerden 12 March 2018Latest, The Fat Wallet

Last week I was lucky enough to join my ETF inspiration Nerina Visser on ETF Investor on Business Day TV. We attempt to answer the ETF questions of a beginner investor who invested in an Easy Equities basket. This week’s Fat Wallet is the audio of that programme. You can watch the videos below. Kris ...

ETF: Stanlib lists tech ETF

Kristia van Heerden 7 March 2018ETF Blog, Latest

With the local ETF space becoming more competitive, investors are starting to benefit from a growing number of niche ETF products. We can already buy ETFs based on the quality of the constituents or the momentum of the share price. Soon we’ll be able to buy companies whose share prices are considered cheap in the ...