Kristia van Heerden Archives - Page 31 of 36

The Fat Wallet Show with Kristia van Heerden

Podcast: Optimal diversification strategy

Kristia van Heerden 15 May 2017Latest, The Fat Wallet

Aside from low cost and simplicity, ETFs are appealing because diversification is built in. When you invest in the 40 biggest South African companies, you invest in different sectors and different regions. You even get a degree of asset diversification in the form of property stocks. Episode 48. 48 minutes long. @simon_brown_za doesn't think I ...

Podcast: Using the price-earnings ratio

Kristia van Heerden 8 May 2017Latest, The Fat Wallet

About a year ago, Simon and I had lunch. I was about to go on holiday and there may have been some wine. During the course of the conversation Simon mentioned something about Sygnia and the price-earnings ratio. I didn’t really have any idea what he was talking about, so I made a note to ...

Podcast: Five concepts that will make you rich

Kristia van Heerden 1 May 2017Latest, The Fat Wallet

My biggest frustration in learning about the financial world is the expectation that I should understand concepts that nobody ever explained to me. A part of the reason why I got into so much debt is because I didn’t fully understand how interest applied to my financial situation. The other part of the reason is ...

Podcast: Is early retirement a pipe dream?

Kristia van Heerden 24 April 2017Latest, The Fat Wallet

Many have caught on to the idea that you don’t have to spend your life in servitude. Instead of lifestyle creep and keeping up with the Joneses, you can live modestly and put away the rest of your income. Once you have enough invested, you draw down just enough of your investments to maintain your ...

Podcast: Choosing an RA provider

Kristia van Heerden 17 April 2017Latest, The Fat Wallet

For most of us, a retirement annuity is the biggest investment we’ll ever make. More than any other investment decision, your RA should be scrutinised and prodded at every opportunity. This week Alexis Whitehead wanted to know how to choose a provider. We often mention 10X, although Sygnia claims to be cheaper. etfSA.co.za, home of ...

Podcast: Investing in troubled times

Kristia van Heerden 10 April 2017Latest, The Fat Wallet

Due to Simon’s travels we recorded this episode a few short hours before news of the S&P ratings downgrade reached us. I was depressed about the state of affairs even then. I don’t know if I would have been able to get out of bed for a recording after the downgrade. #investing in troubled times. ...

Podcast: Upping your credit score

Kristia van Heerden 3 April 2017Latest, The Fat Wallet

Long-time listeners of The Fat Wallet Show might not be surprised that I find questions around credit records distressing. My dubious credit history makes me wary of debt billed as anything but an expensive and stressful parting from my money. We look very mischievous in this picture, but we actually talk about how to build ...

Podcast: Irrational about money

Kristia van Heerden 27 March 2017Latest, The Fat Wallet

A letter from Carel Nel reminded me how utterly irrational I used to be about money. My irrationality manifested in two ways: avoidance and minimising. In an attempt to feel more in control of my chaotic financial life, I organised all my bills into folders by month. Sometimes I would spend whole days easing my ...

Podcast: Should I care about dividends?

Kristia van Heerden 20 March 2017Latest, The Fat Wallet

I like the concept of dividends: companies that do well share the love and the profit with their investors. Because my investment portfolio is small, however, the dividends I receive are often an inconvenience. While I’d never turn down free money, a R300 dividend payment isn’t exactly changing my life. That’s why I find the ...

Podcast: Start where you are and S&P500

Kristia van Heerden 13 March 2017Latest, The Fat Wallet

Last week Simon and I discussed how much I save. We also marvelled at Conrad Loots, who manages to save 69% of his salary. Over the weekend I thought about our conversation and how far I’ve come financially. Six years ago I had ten times more debt than income. Back then I would have taken ...