Tag: PSG Wealth

Many people tend to default to investing in the JSE because they are familiar with these listed companies. However, this limits the diversification benefits that come from investing in offshore shares. Diversification across economies, political jurisdictions and asset classes is achieved when a portion of total assets is invested offshore.

Estate planning and retirement planning rarely appear in the same discussion. This separation often obscures the importance of retirement and estate planning as a connected process. This is because they focus on different life stages. People often treat them as separate aspects of financial planning. However, it remains important to consider your retirement funds when constructing your estate plan.

Over short periods, markets can be unpredictable, and 2025 confirmed that reality. We anticipated volatility, and the year delivered it. Few expected stability from the US administration or swift resolutions to geopolitical tensions. Nevertheless, several fiscal and monetary developments surprised markets, both locally and globally. These shifts provide important signals about future direction and potential volatility.

Today’s investment landscape is increasingly complex for South African investors. Heightened market volatility and political uncertainty make portfolio management more challenging. Offshore investing remains a critically relevant strategy for preserving and growing wealth while managing risk. Diversifying offshore is not just a luxury; it has become a necessary consideration for prudent investors.

Investors should use mental models to find stillness in the midst of volatility. With gold reaching all-time highs and the JSE All-Share Index posting major gains, global markets remain full of activity. US fiscal concerns and ongoing geopolitical tensions add even more uncertainty. At present, there is rarely a dull moment for markets. However, this constant volatility generates mental noise.

Corporate actions can be described as the small print of owning equities. Many equity investors tend to dismiss them because they seem complex. However, these actions can materially impact a company’s share price. They also provide investors with a window into the company’s strategy and financial health.

Long-term investors should not rely only on company results to guide smarter investment decisions. Instead, they should understand the context behind the numbers and the broader market trends that shape performance. Company financial results, often called earnings season, are watched closely by equity investors worldwide.

Positive beliefs drive very healthy money habits. According to large-scale US studies done by Gladstone & Pomerance, optimists save 20% more than other investors. This trend holds true regardless of income status. Optimists are also more likely to invest for the long term. These findings highlight the power of a positive investor mindset.

'One day when I’m big!' How many times have we uttered those words as children when dreaming about our future? Then, quite suddenly, we find ourselves “adulting.” We begin reflecting on the lessons we have learned and considering the legacy we will leave for the next generation.

In today’s unpredictable and fast-paced world, achieving financial success requires more than just saving money or investing in the latest trend. A truly secure financial future is built on a holistic approach that integrates various aspects of financial planning.