Kristia van Heerden Archives - Page 10 of 36

ETF: Time travel on the JSE

Kristia van Heerden 11 March 2020ETF Blog, Latest

Checking local investments at the moment is a surefire way to experience instant regret. The weak currency is propping up our offshore investments, but those of us holding JSE-listed companies and ETFs are feeling the pain of short-term market movements in a real way. If, like me, your portfolio fell into a 20% hole overnight, ...

The Fat Wallet Show with Kristia van Heerden

Podcast: The end of the world

Kristia van Heerden 9 March 2020Latest, The Fat Wallet

We’re not prone to panic, but at this point staying calm requires a level of stoicism we haven’t quite mastered. You may have forgotten this in the diseased fog of the Coronavirus, but a mere two months ago it seemed as though the US was going to war with Iran. Part of what makes it ...

ETF: Even more tax-free money

Kristia van Heerden 4 March 2020ETF Blog, Latest

The impact of tax-free investing is so astronomical that it’s almost hard to believe. Just a 0.5% saving on dividend withholding tax (DWT) over a 40 year period amounts to R1.1m more in your portfolio (in today’s money). That’s not to be sneezed at! As of this year, each South African resident is entitled to ...

Podcast: Preservation funds and FIRE

Kristia van Heerden 2 March 2020Latest, The Fat Wallet

Boy, did AJ open a can of worms this week! We fall down a preservation fund rabbit hole that’s perhaps long overdue. Here are some of the key things you should know. When you leave a company’s pension or provident fund because you leave the company, you have three options when transferring those funds: You ...

Podcast: Things you should know about the end of the tax year

Kristia van Heerden 24 February 2020Latest, The Fat Wallet

This time of year is like Christmas for money nerds (or maybe it’s just me). Everyone’s tax situation is unique and there are so many variables to tweak. It’s truly magical. In this episode, we take you through some tax basics. We explain why the end of the tax year is significant, even if you ...

ETF: Understanding the Satrix Momentum ETF

Kristia van Heerden 19 February 2020ETF Blog, Latest

The Satrix Momentum ETF (JSE code: STXMMT) works on the assumption that companies doing well in terms of share price and earnings will continue to do well in the future. Factor-based investing is index investing 2.0. Companies are included based on certain shared characteristics. In the case of the STXMMT, that characteristic is an upward ...

Podcast: Where budgets fail

Kristia van Heerden 17 February 2020Latest, The Fat Wallet

Conventional wisdom has it that a budget is at the heart of any successful financial strategy. My wisdom has it that a budget is an excellent tool for self-deception. Nobody was better than drawing up a theoretical map of how money should be spent than me not spending money that way. In this episode we ...

ETF: ETFs and tax

Kristia van Heerden 12 February 2020ETF Blog, Latest

You may have noticed we’re a tad tax obsessed at the moment. February is the end of the tax year. We find this thrilling! Since the introduction of tax-free investment accounts, we’ve been especially pumped about our tax returns. In this post we’re going to explain the taxes for which you are liable when you ...

Podcast: Understanding returns

Kristia van Heerden 10 February 2020Latest, The Fat Wallet

“Return” is one of those words that Finances Bros simply love to throw around. Good luck trying to have a conversation about investments without hearing all about it. This week, we discuss why return is something you can basically forget about, if your Finance Bro will let you. We explain what the word “return” could ...

ETF: Understanding the 1nvest Global Bond ETF

Kristia van Heerden 5 February 2020ETF Blog, Latest

With the stellar performance of the US stock market over the past few years, investors are starting to feel jittery about just how long a good thing can last. If all your profits are making you nervous, lucky you! At this point you might be thinking about moving some of those profits into a safer ...