Kristia van Heerden Archives - Page 7 of 36

The Fat Wallet Show with Kristia van Heerden

Podcast: The two-stage FIRE approach

Kristia van Heerden 13 July 2020Latest, The Fat Wallet

If you went into formal employment straight out of university or school, odds are you have some sort of pension fund or retirement annuity. You may since have realised the idea of working until you’re 65 is entirely optional. If you’ve already allocated a large part of your income towards your retirement, you need to ...

ETF: Satrix China in IPO

Kristia van Heerden 8 July 2020ETF Blog, Latest

ETF issuer Satrix is in the process of listing a new Chinese exchange-traded fund (ETF). Until 14 July 2020, ETF investors seeking access to the Chinese economy can pick up ETF units at no brokerage cost in the initial public offering (IPO). Considering China is the second-largest economy in the world, gaining access to that ...

Podcast: Investing in China

Kristia van Heerden 6 July 2020Latest, The Fat Wallet

If you listened to this episode on a single ETF strategy, you know my investment philosophy. This simple approach to investing saves me a lot of drama. When a new product comes to the market, I ask myself if it fits with my original philosophy. If it doesn’t, I can satisfy my curiosity about the ...

Money Hacks: The 20% above average rule

Kristia van Heerden 30 June 2020Latest, Money hacks

What you can afford: Is the most expensive product always best? Buying well to get the features you want and the best cost per use

Podcast: Spend money to save money

Kristia van Heerden 29 June 2020Latest, The Fat Wallet

You can find the Satrix webinar we mention at the top of the show here. Isn’t it odd how few money conversations centre around mundane financial choices? Surely our net worth is a reflection of the small financial decisions we make every day. A rather typical experience with a contractor has me questioning my decision-making ...

ETF: The Ashburton 1200 facelift

Kristia van Heerden 24 June 2020ETF Blog, Latest

This ETF is now owned by FNB and the code is FNBEQF. The Ashburton 1200 (ASHEQF) ETF is the only ETF weighted by market capitalisation that invests in developed as well as emerging markets. For that reason, it’s been our ETF of choice for a few years. This ETF has always been slightly more expensive ...

Podcast: The perfect money month

Kristia van Heerden 22 June 2020Latest, The Fat Wallet

A while back my smart and handsome co-host Simon Brown did a presentation about the perfect trade. Even though I don’t trade myself, I found the presentation inspiring. As we often advocate, when it comes to this money business it’s best to focus only on what you can control. A conversation with Cash Club writer ...

Podcast: Offshore ETFs and the rand

Kristia van Heerden 15 June 2020Latest, The Fat Wallet

When you buy a locally-listed ETF based in another currency, two transactions happen in the background. First, your rands are converted to the other currency. The new currency is then used to buy the ETF units. Buying an ETF based in a different currency is therefore an easy way to introduce currency diversification into your ...

ETF: MAPPS Protect in a market crash

Kristia van Heerden 10 June 2020ETF Blog, Latest

Effective 1 March 2023, this ETF is now the Satrix Multi Asset Passive Portfolios Solutions Protect ETF (JSE code: STXMAP) How effective is diversification at smoothing out investment performance during a crash? The NewFunds MAPPS Protect ETF was designed to withstand a volatile equity environment by splitting investments between SWIX 40 equity and government bonds. ...

Podcast: Pension fund withdrawals

Kristia van Heerden 8 June 2020Latest, The Fat Wallet

Under normal circumstances we would strongly caution against withdrawing from your pension fund. The reason is quite simple: the tax will make your eyes water. One decision can slash your hard-earned net worth by hundreds of thousands of rands. That’s not even factoring for opportunity cost. However, since we’re currently living through the apocalypse, we ...