Kristia van Heerden Archives - Page 11 of 36

Podcast: The fee revolution

Kristia van Heerden 20 January 2020Latest, The Fat Wallet

The world changed for the better this week. You may have missed it, but OUTvest launched a retirement annuity (RA) product whose fees will hopefully change the way we think about fees forever. With Simon recovering from a vicious flu, this week’s episode sees OUTvest head Grant Locke explain his revolutionary new product. We return ...

Mini podcast: Cash in a TFSA

Kristia van Heerden 13 January 2020Latest, The Fat Wallet

Most of the time I hate it when people say “the exception to prove the rule”. It doesn’t make any sense. Except sometimes it does. When it comes to tax-free investing, you want to be in equity. It’s because you save tax in three places: dividends, capital gains and income. However, not everybody should be ...

Mini podcast: Financially savvy kids

Kristia van Heerden 6 January 2020Latest, The Fat Wallet

If it’s parenting advice you’re after, you’ve come to the wrong place. The reason why we have quiet places to record is precisely because we don’t have kids. However, we know a thing or two about the financial system. This week we help soon-to-be dad Daniel to figure out where he can save for his ...

Mini podcast: When should rands become dollars?

Kristia van Heerden 30 December 2019Latest, The Fat Wallet

Timing is everything in investing. If you could get the timing right on every single investment, you’d be rich before anyone else. What we want, in theory, is to put the money in when it costs the least and take it out when it costs the most. That’s it, really. Unfortunately it’s impossible to know ...

Mini podcast: Talking to family about money

Kristia van Heerden 23 December 2019Latest, The Fat Wallet

Why is it so hard to talk to family about money? Shouldn’t the people who love and care about us most be most open to what we have to say? At our live event in Cape Town, someone wanted to know how they can convince their family members to think like them about money. We ...

Mini podcast: Emigration preparation

Kristia van Heerden 16 December 2019Latest, The Fat Wallet

If you know you'll be leaving the country for good in the next few years, should you invest your money or keep everything in cash? In the first of five mini Fat Wallet episodes, we help Karlien think through some options. Karlien Your show gets me excited to invest, but I'm at a weird place right ...

ETF: When passive looks active

Kristia van Heerden 11 December 2019ETF Blog, Latest

When I started writing this blog in 2016, the idea was to unpack the insides of local ETFs to help you choose the right one for your portfolio. This forced me to keep a close eye on the ETF industry. It’s been a great time to do so. While ETF investors are sometimes colloquially called ...

Podcast: End of year money reflections

Kristia van Heerden 9 December 2019Latest, The Fat Wallet

The end of the year is a good time to take stock of how things went financially. At the beginning of 2018, Simon and I discussed our money resolutions for the year. At the end of last year, we revisited some of our financial assumptions. To wrap up our 2019 Fat Wallet year, we once ...

ETF: Understanding the S&P Givi Financial 15 ETF

Kristia van Heerden 4 December 2019ETF Blog, Latest

The Absa Capital S&P GIVI Financial 15 ETF is a strange beast. While the name creates the impression that the ETF is invested exclusively in South Africa’s world-class banking and financial services sector, the ETF also includes a fair but of real estate investment trust (REIT) investments. Banks and life insurance companies are also represented ...

Podcast: What’s the deal with tax brackets?

Kristia van Heerden 2 December 2019Latest, The Fat Wallet

For the longest time I thought a progressive tax system referred to how we spend our tax money. Poor, naive me. It turns out that a progressive tax system means there’s not one tax rate. How much tax you pay depends on how much money you make. Your tax rate gets progressively higher as you ...