Kristia van Heerden, Author at Just One Lap

The Fat Wallet Show with Kristia van Heerden

Podcast: Retirement revisited

Kristia van Heerden 20 November 2017Latest, The Fat Wallet

How it happened that November turned into the retirement annuity month, I’m not sure. Following our previous two episodes, we were bombarded by questions and concerns around RAs. It seems our episode on choosing an RA spurred many of you into action. We hear from an 86-year-old listener how far the 15% savings rate actually ...

Podcast: 15% questioned

Kristia van Heerden 13 November 2017Latest, The Fat Wallet

I’ve had a great time chatting retirement at two separate events last week. Both times I came away feeling uneasy about the go-to 15% savings rate for retirement. I suspect we’ve been anchored at that number because that used to be the tax break. I also suspect that number is only correct under very specific ...

Podcast: Choosing an RA

Kristia van Heerden 6 November 2017Latest, The Fat Wallet

In a previous episode of The Fat Wallet Show we discussed how to compile your own ETF portfolio. In theory, once you know which factors to consider and understand all the information, you can make informed choices about your investments. However, putting together an ETF investment is child’s play compared to choosing a retirement annuity. ...

Podcast: What is “good” performance?

Kristia van Heerden 30 October 2017Latest, The Fat Wallet

If an investment grows more than a savings account interest rate, is that a good investment? If it performs on par with the Top 40 index, but below inflation, is that good or bad? All of the exact right ingredients for a #fatwallet #podcast recording! How do you know if your investment is doing well? ...

Bonus podcast: Property dilemma

Kristia van Heerden 27 October 2017Latest, The Fat Wallet

Getting to be great at money is like losing weight. Those who are successful at it don’t reach their goals because they perfectly stick to a plan. They are successful because they make more good decisions than bad ones over a long period. We’ve long theorised that there are five financial concepts that underpin good ...

ETF: DIY

Kristia van Heerden 25 October 2017ETF Blog, Latest

In this week’s episode of The Fat Wallet Show, we discuss how to put together your own ETF portfolio. Within tax-free investment vehicles, you are only allowed to invest in ETF products. This prevents investors who are new to the market from taking on too much risk. The tax-free accounts are designed to build wealth ...

Podcast: Build your own ETF portfolio

Kristia van Heerden 23 October 2017Latest, The Fat Wallet

We are 70 episodes strong! What a ride! As you may have noticed by now, The Fat Wallet Show tries to help you figure out how to think about your money. The theory is if you understand a few surprisingly simple concepts, you have the tools you need to make great financial decisions. Once you ...

Podcast: ETFs shouldn’t be your second source of income

Kristia van Heerden 16 October 2017Latest, The Fat Wallet

Simon had some family matters to attend to this week, so I did my first ever solo Fat Wallet. Turns out talking about money alone in your living room isn’t quite as entertaining as doing it with a friend. I’m sure you’ll miss him as much as I did.* Recording solo today. Not the same ...

ETF: TER wars

Kristia van Heerden 11 October 2017ETF Blog, Latest

If you’re a Just One Lap regular, you know we talk about fees a lot. As we explain in this post, a small percentage difference in fees can have a huge impact on how much your investment grows in time. In the ETF world, the total expense ratio (TER) can be the deciding factor between ...

Podcast: ETF pricing and side hustle tax

Kristia van Heerden 9 October 2017Latest, The Fat Wallet

The Sygnia World and Satrix World exchange-traded funds (ETF) both track the MSCI World Index. ETFs are priced on their net asset value. That means the share price is calculated by adding up the prices of the shares within the ETF to arrive at a fair value. Unlike ordinary shares, ETF unit prices are not ...