Kristia van Heerden Archives - Page 9 of 36

ETF: I’ve lost money!

Kristia van Heerden 8 April 2020ETF Blog, Latest

If you are new to ETFs, you probably feel bewildered. You’ve mustered the courage to transfer your money to a broker, you bought an ETF on the recommendation of a friend or based on your online research. You are a Serious Investor, so you’re ready to see the stock market at work. However, so far ...

The Fat Wallet Show with Kristia van Heerden

Podcast: The medical aid lockdown challenge

Kristia van Heerden 6 April 2020Latest, The Fat Wallet

Last week we challenged you to take a closer look at your insurance cover. The challenge was an eye-opener for me. I wrote an article about it here. This week it’s time to look at your medical aid. Since many of our incomes are affected by the lockdown, you might be looking at a cheaper ...

ETF: Spread as ETF cost

Kristia van Heerden 1 April 2020ETF Blog, Latest

We often talk about the impact of the total expense ratio (TER) or the total investment cost (TIC) on your investment. The index (a representation of the price performance of a group of companies) will always outperform the ETF (the product that tracks the index). That’s because the index is just a tool for tracking ...

Money Hacks: Insurance review case study

Kristia van Heerden 31 March 2020Latest, Money hacks

What does your bond insurance cover? Kristia read the fine print and discovered she didn’t qualify for the benefits she was paying for!

Podcast: The first lockdown money challenge ~ Wills and Estates

Kristia van Heerden 30 March 2020Latest, The Fat Wallet

It’s a nutty time to be alive, isn’t it? A market crash is bad enough. Adding a national lockdown to the mix is bound to provoke some anxiety. Our strategy in this time is not dissimilar from our usual strategy: focus on what you can control. To that end, our podcast this week is the ...

Podcast: Crash questions

Kristia van Heerden 23 March 2020Latest, The Fat Wallet

Many of us are witnessing a stock market crash for the first time. Like most of you, I’m experiencing a heady mix of excitement and terror. I’m so glad watching my portfolio no longer feels like watching paint dry. Instead, it feels like being dropped off a very high building. It’s not great, but at ...

Podcast: Your first tax-free investment

Kristia van Heerden 16 March 2020Latest, The Fat Wallet

While the rest of the world is getting in supermarket fights over toilet paper, life at Just One Lap carries on. Lesego, who is only 24, is ready to start their investment journey. This week we hold their hand through their first tax-free purchase. We explain what tax-free accounts are, what ETFs are and why ...

ETF: Time travel on the JSE

Kristia van Heerden 11 March 2020ETF Blog, Latest

Checking local investments at the moment is a surefire way to experience instant regret. The weak currency is propping up our offshore investments, but those of us holding JSE-listed companies and ETFs are feeling the pain of short-term market movements in a real way. If, like me, your portfolio fell into a 20% hole overnight, ...

Podcast: The end of the world

Kristia van Heerden 9 March 2020Latest, The Fat Wallet

We’re not prone to panic, but at this point staying calm requires a level of stoicism we haven’t quite mastered. You may have forgotten this in the diseased fog of the Coronavirus, but a mere two months ago it seemed as though the US was going to war with Iran. Part of what makes it ...

ETF: Even more tax-free money

Kristia van Heerden 4 March 2020ETF Blog, Latest

The impact of tax-free investing is so astronomical that it’s almost hard to believe. Just a 0.5% saving on dividend withholding tax (DWT) over a 40 year period amounts to R1.1m more in your portfolio (in today’s money). That’s not to be sneezed at! As of this year, each South African resident is entitled to ...