Kristia van Heerden Archives - Page 19 of 36

The Fat Wallet Show with Kristia van Heerden

Podcast: Starting over

Kristia van Heerden 4 February 2019Latest, The Fat Wallet

Since talking about money is my day job, it’s easy to assume that I have no financial anxieties. That’s not the case. Money speaks to such a primal part of our humanity. I think everyone is susceptible to a degree of fear around their ability to meet the basic needs of themselves and their families. ...

Podcast: Making the most of tax February

Kristia van Heerden 28 January 2019Latest, The Fat Wallet

Tax is probably the only thing I managed to get right about my finances when I first started working. I had no idea what was going on, but I was sufficiently scared of the government to pay someone else to deal with it. The R800 rebate I got that year might as well have been ...

ETF: Understanding the GIVI SA Resource 15 ETF

Kristia van Heerden 23 January 2019ETF Blog, Latest

Since the South African investment universe is small, we get a front-row seat to the impact of diversification during every market cycle. Historically the South African economy relied heavily on the resources sector. While we're no longer a resource-heavy economy, our mines and energy businesses tend to shine when the rest of the economy suffers. ...

Podcast: Money vs education

Kristia van Heerden 21 January 2019Latest, The Fat Wallet

Education is a tough nut to crack. It’s an investment, to be sure, but just like any other investment, the rewards need to outweigh the risks. Unlike other investments, however, risk and reward are extremely difficult to measure in education. Private school kids could be doing better later in life because of their education or ...

ETF: Learn to love a lazy market

Kristia van Heerden 16 January 2019ETF Blog, Latest

If you started 2019 feeling harassed, you must be invested in the JSE. The market has been unkind to all of us for years. You’d be forgiven for wanting to find better uses for your money - expensive champagne, for example. In this post I’d like to make a case for dormancy. You might argue ...

ETF: Understanding the Satrix RAFI 40

Kristia van Heerden 19 December 2018ETF Blog, Latest

You may have heard of Warren Buffett. If you haven’t, please let us know where you live. We want to come there. Buffett made all of his money by identifying companies that are worth more than the price the market was willing to pay for them. This is what people mean when they talk about ...

Podcast: Assumptions we need to challenge after 2018

Kristia van Heerden 17 December 2018Latest, The Fat Wallet

That’s a wrap, folks! 2018 had a lot to teach us and none of it pleasant. In this episode Simon and I talk about some of the assumptions we have to challenge after this year. Mine borders on cynical: doing things by the book doesn’t always get you ahead. Nothing like buying a house to ...

ETF: Understanding the Ashburton Top40

Kristia van Heerden 12 December 2018ETF Blog, Latest

Investing in South Africa’s 40 biggest companies is a wonderful first step if you’re just starting out. By investing in the 40 biggest companies listed on the JSE, you get exposure to different sectors and even asset classes through listed property companies. The Ashburton Top40 ETF gives you a chance to do all of that ...

Podcast: Is my bank right for me?

Kristia van Heerden 10 December 2018Latest, The Fat Wallet

In finance, more options are always better. The more competition there is, the lower prices tend to go. With three new banks entering the market, we are sure to see banking costs come down. Is that reason enough to change banks? In this episode of The Fat Wallet Show, we consider when it’s a good ...

ETF: Understanding the Satrix INDI

Kristia van Heerden 5 December 2018ETF Blog, Latest

The Satrix INDI is an ETF with a difference. This week, we look at the benefits of excluding banks and mines from an ETF and what that means for your portfolio. Banks and mines play an important role in the South African economy, which is why many of our indices include big mining and banking ...