Kristia van Heerden, Author at Just One Lap

Podcast: Structuring your pay cheque – Part Two

Kristia van Heerden 7 August 2017Latest, The Fat Wallet

Last week, we spoke about the basic concepts you need to understand to make good financial choices. We recap those this week, because understanding these concepts will change the way you think about your money. To recap, they are: Interest Inflation Compounding Assets Indices and index-tracking products We also discuss the different types of expenses ...

Podcast: How to structure your pay cheque

Kristia van Heerden 31 July 2017Latest, The Fat Wallet

Thinking about how you are going to spend your money when you haven’t yet started earning any seems like putting the cart before the horse. However, if you’ve been earning money for a while you probably have monthly expenses that are difficult to account for. Why is that we can plan every other aspect of ...

Podcast: Retirement, dividend tax and exposure offshore

Kristia van Heerden 24 July 2017Latest, The Fat Wallet

In the current political climate it’s not surprising that we get so many questions around moving money offshore. This week’s episode was going to be about moving pensions abroad, but offshore exposure in general ended up dominating the conversation. First, we talk about taking your pension fund with you when you emigrate. The good news ...

ETF: Are cheaper ETFs better?

Kristia van Heerden 19 July 2017ETF Blog, Latest

The local ETF market continues to expand. Greater competition in the space achieved what greater competition always achieves - lower prices. We’ll never complain about low investment costs, but having so many similar ETFs to choose from is causing some anxiety. If two index-trackers track the same index, the one with a lower TER will ...

Podcast: ETF IPOs explained

Kristia van Heerden 17 July 2017Latest, The Fat Wallet

You’ve probably noticed that we’re aflutter about the new Satrix ETFs. International index-tracking offerings on the cheap is pretty much the reason we get out of bed in the morning. Sneaking a #selfie while @simon_brown_za makes us a pre-recording coffee. This week we check out the deal with IPOs. #fatwallet #podcast #money #shares A post ...

Podcast: Leveraging your portfolio

Kristia van Heerden 3 July 2017Latest, The Fat Wallet

I had to fight the urge to throw my laptop away and run for the hills when I read Jurie Lombard’s mail this week. This is not Jurie’s fault. I’m overly-cautious when it comes to debt - once bitten and all that. The other #fatwallet team members: Simon and Squack the Cat. Last #podcast before ...

Podcast: How much money do you need?

Kristia van Heerden 26 June 2017Latest, The Fat Wallet

“Is it really possible to live off my investments?” This is a question we field often. We recently did a podcast about early retirement that deals with a variation on this theme. The question concerns me, because the answer lies at the heart of all financial planning. Firstly, if living off your investments isn’t the ...

Podcast: A bespoke financial plan

Kristia van Heerden 19 June 2017Latest, The Fat Wallet

I’m slightly obsessed with having a solid financial foundation. I talk about it often. Here’s what I have as my foundation: No short-term debt.* An emergency fund. I work on somewhere between three and six months’ expenses. Dread and disability insurance, in case you lose your ability to earn an income. Medical aid. Retirement annuity. ...

ETF: How index trackers can ruin the market

Kristia van Heerden 14 June 2017ETF Blog, Latest

Doomsday scenarios about ETFs abound. The basic premise is that ETFs and other index-tracking investments will one day become so large that it will destroy the financial market as we know it. Price discovery causes the most consternation. In a perfect world, the forces of supply and demand regulate price. Because index trackers buy shares ...

Podcast: Can ETFs break the market?

Kristia van Heerden 12 June 2017Latest, The Fat Wallet

Since Simon and I are both vocal fans of index trackers, we are often asked about the possibility that ETFs could break the market. The questions submitted by Jaco de Wet this week are questions we field often. The fear is that index trackers will become such a large part of the market that price ...