Kristia van Heerden Archives - Page 25 of 36

The Fat Wallet Show with Kristia van Heerden

Podcast: The financial literacy test

Kristia van Heerden 9 April 2018Latest, The Fat Wallet

If you secretly hate us but haven’t been able to find a different source of financial information, I have some great news! I found a Freakonomics Radio episode that summed up exactly the principles we champion on this show. In this episode, Simon and I take the financial literacy survey. It’s only three questions, but ...

ETF: Capital gains vs reinvested dividends

Kristia van Heerden 4 April 2018ETF Blog, Latest

A few weeks ago we started wondering if we were being taxed twice on total return ETFs. To recap, a total return ETF reinvests the dividends or interest payments on your behalf. This saves you the hassle (such as it may be) and fees of reinvesting dividends. It’s especially useful if you were going to ...

Podcast: More money, more problems

Kristia van Heerden 2 April 2018Latest, The Fat Wallet

It’s becoming increasingly clear that access to money isn’t always the best thing. In last week’s episode, Pieter explained how access to a free house and investments didn’t make him great at money. Fat Wallet bestie and newly appointed spy, Wilhelm, sent us news from the front line this week. Wilhelm started sorting out his ...

ETF: Value ETFs unpacked

Kristia van Heerden 28 March 2018ETF Blog, Latest

Effective 1 March 2023, this ETF is now Satrix Value Equity ETF (JSE code: STXVEQ) Fans of Warren Buffett are most likely also fans of value investing. The concept is extremely popular due to its intuitive nature. First, you find a good company whose share price is below what the company is really worth. You ...

Podcast: Saving for your kids is not enough

Kristia van Heerden 26 March 2018Latest, The Fat Wallet

So many Fat Wallet listeners are diligently setting money aside for their kids. We often field questions about investments and suitable investment vehicles for children. Being able to send your child into adult life with enough money is a noble aspiration. We don’t often encounter people who benefited from this type of financial leg-up, making ...

ETF: Total return ETFs explained

Kristia van Heerden 21 March 2018ETF Blog, Latest

Note: New legislation regarding the availability of total return ETFs is expected in the first half of 2023 In this week’s Fat Wallet Show, we talk about the tax implications of investing in a total return ETF. In this article we’ll flesh out the discussion. We’ll explain what a total return ETF is, who might ...

Podcast: Figuring out investment fees

Kristia van Heerden 19 March 2018Latest, The Fat Wallet

A few weeks ago I attended a 10X event in Johannesburg. Being a low-cost retirement annuity (RA) provider, obviously much of the discussion centred around fees. Steven Nathan, who runs 10X, did an analysis of a statement sent by an old-school retirement product provider. He used the real example to illustrate how impossible it can ...

ETF: When companies fall out of the index

Kristia van Heerden 14 March 2018ETF Blog, Latest

An ETF is made up of investments in a number of different companies. Many investors worry about the impact of the performance of a single share on the performance of the ETF. This is especially of concern in an ETF weighted by market capitalisation, where bigger companies have a bigger impact on the price movement ...

ETF: Stanlib lists tech ETF

Kristia van Heerden 7 March 2018ETF Blog, Latest

With the local ETF space becoming more competitive, investors are starting to benefit from a growing number of niche ETF products. We can already buy ETFs based on the quality of the constituents or the momentum of the share price. Soon we’ll be able to buy companies whose share prices are considered cheap in the ...

Tax Tuesday: Capital Gains 101

De Wet De Villiers 6 March 2018Latest, Tax Tuesday

To best explain how capital gains tax (CGT) is calculated, we’ll detail each part of a single transaction. When calculating CGT, ‘base cost’ and ‘proceeds’ are important. Base cost refers to the amount you paid for the shares. Proceeds is the amount you receive for selling your shares. In our example, you bought 250 shares ...