Kristia van Heerden Archives - Page 14 of 36

ETF: Volatility ETFs explained

Kristia van Heerden 28 August 2019ETF Blog, Latest

This year, Absa introduced three new ETFs that aim to capitalise on the relationship between risk and return. (If that sentence scared you to death, hang in there. It will make more sense later in this article.) The products aim to minimise the amount of money investors can lose when markets are scary. They do ...

The Fat Wallet Show with Kristia van Heerden

Podcast: Drawdown management

Kristia van Heerden 26 August 2019Latest, The Fat Wallet

Not many of us are well-equipped to manage a large sum of money. Our monkey brains spent so much time learning how to run away from predators and exactly zero time learning about financial decision-making. We don’t blame it, of course. Compounding is lost on the dead. All this monkey business makes retirement a nightmare. ...

Podcast: How to use bond ETFs

Kristia van Heerden 19 August 2019Latest, The Fat Wallet

Bonds are wonderful, magical things, but they can be tricky. Pool them all together into an ETF, and it gets even more complex. First of all, the tax on a bond ETF is tough to figure out. Coupons are taxed at your marginal rate, after an exemption. When your coupons are reinvested, as in the ...

ETF: Understanding the Ashburton 1200 ETF

Kristia van Heerden 14 August 2019ETF Blog, Latest

This ETF is now owned by FNB and the code is FNBEQF. Once we start investing, most of us are in pursuit of the perfect investment. What we want, of course, is the unicorn that goes to the moon the day after we invested. Luckily, we understand our ability to find that needle in the ...

Podcast: The price-weighted index

Kristia van Heerden 12 August 2019Latest, The Fat Wallet

For two years we’ve had to live with the shame of the Listener Love Index. The wisdom of the crowd is not quite so wise when it comes to stock selection. Let that be a lesson next time a friend offers a hot stock tip. This week we finally replace that horror show with our ...

ETF: Understanding the Satrix Emerging Market ETF

Kristia van Heerden 7 August 2019ETF Blog, Latest

While South Africa itself is an emerging market, local investors hoping to access other emerging economies have had limited options in the past. These days, we can conveniently access emerging market economies, including the economies of our neighbours, using ETFs. Tip: We discuss the difference between developed and emerging economies in this podcast. 2017 saw the ...

Podcast: Rookie errors

Kristia van Heerden 5 August 2019Latest, The Fat Wallet

Making mistakes is a great way to learn. Someone can explain diversification a hundred times without ever having the same impact as one share dragging down your entire portfolio. At Just One Lap, we like mistakes almost as much as we like questions. We know - mostly from experience - each mistake gets you closer ...

Podcast: If not equities, what?

Kristia van Heerden 29 July 2019Latest, The Fat Wallet

We can all assume the chief economist at Stanlib knows a thing or two about the world. Imagine my alarm when I read he thinks we need to fall out of love with equities. Thankfully the headline was just clickbait and Kevin Lings said nothing about Bitcoin. If you let yourself read beyond the headline ...

Podcast: TFSA as you age

Kristia van Heerden 22 July 2019Latest, The Fat Wallet

Tax-free savings accounts have an annual limit of R33,000 per year and a lifetime limit of R500,000. It will take 15 years’ full contribution to reach that limit. The money in a tax-free savings account is not liable to any tax, except VAT on brokerage. For as long as you hold the account, you pay ...

Podcast: FIRE at any age

Kristia van Heerden 15 July 2019Latest, The Fat Wallet

At age 37, Patrick Mckay had amassed enough assets to sustain his lifestyle without ever having to earn an income again. In the biz, this is what we call financial independence. The Financial Independence, Retire Early (FIRE) movement has enabled many younger people to think differently about their expenses and assets. Even if you love ...