Behavioural Economics 101

Behavioural Economics 101

Why don’t we always do what’s “best” with our money? Let’s be honest: most of us already know what we’re “supposed” to do with our money. But we don’t do it. Spend less than we earn. Save consistently. Invest for the long term. Avoid unnecessary debt. So why don’t we...
MAY 2025

MAY 2025

INVESTMENT MARKET UPDATE MAY 2025 What developments have unfolded in local and global markets throughout the month of MAY? Aa1 Latest US sovereign credit rating by Moody’s 7.25% Current level of the SARB Repo rate $36 Trillion Current level of US national debt...
Cost isn’t just what you pay

Cost isn’t just what you pay

The true cost of a dollar, Rand or pound (or whatever you’re earning in) is not just what you earn. It’s what you give up to earn it. On paper, your salary might seem straightforward. $75,000 a year. £5,000 a month. R250 an hour. But those figures don’t tell the full...
An overlooked planning tool?

An overlooked planning tool?

Meaning starts with hope, and hope begins with action. Many of the challenges we face today, such as financial stress, burnout, and indecision, don’t just come from a lack of time or money. They can very often stem from something deeper: a subtle loss of meaning. We...