Independent Thinking Insight

Articles 2018-05-12T07:03:44+00:00

Taking stock and talking stocks

Anyone with a mediocre knowledge of investing will be familiar with the term “stock”. 

But few people are aware that there common stocks and preferred stocks. And they’re fundamentally different.

Stocks have been traded for over 400 years – the first common stocks […]

Three ways to survive a bear market

What do you do when a bear attacks?

For many of us, we don’t live near any bears, so we’re likely to be unprepared. When it comes to a bear market, the situation is not too different. No one can predict a bear market, and for […]

Planning reduces anxiety

We don’t plan because we fear the future. We plan because we realize we can enjoy today more by reducing the anxiety of tomorrow. 

Most people accept that planning offers us a detailed proposal for doing or achieving something. When we plan, we map out the […]

One of the worst things to plan for…

In Western culture we have become very detached from the cycle of life and death. Only those who work in specific industries will be accustomed to the fragility of life, but for most of us it’s something that will happen in the unforeseen future, so we try not to […]

What lockdown taught us about wills

When lockdown happened, it happened fast. For some, there were only a few days to prepare for an indeterminate time of severe restrictions. For others, they had more to do and less time in which to do it.

Travellers were stuck abroad in foreign countries and […]

Anxiety and our money

Most of us would gladly jump at the opportunity to have more money. Very few people are likely to say that they would prefer to have less money…

One reason for this is that we can see how our future life and […]

Let food be thy medicine

…and medicine be thy food. Hippocrates adopted this philosophy around 2400 years ago!

Before fad diets and modern medicine, he recognised that food has the ability to keep us strong and healthy – both physically and mentally. A nutritious diet is fundamental to maintaining good health […]

The next best thing for investors…

Ray Dalio is an American billionaire hedge fund manager and philanthropist who has served as co-chief investment officer of Bridgewater Associates since 1985. As a thought leader and industry pioneer, he also founded the world’s largest hedge fund and firmly advocates that “diversification is a wonderful, mechanical, good way […]

Who wants to save more?

This is not such an easy question to answer.

Many of us may shoot up our hands, quickly realizing that what follows is a tough call-to-action: “Then start saving!” So we shrivel back and think we’ll rather start saving next month, or when we get our […]

Why Mental Health needs our attention

The journey of developing your life can be challenging on your mind and overall well-being. Prioritizing mental health can help us build the resilience we need to find fulfillment at work and in our personal relationships. 

Often we focus on physical health and the list of […]

How much is enough?

Medical aid (including insurance products) contributions need to form part of our overall financial planning. Every year these products are adjusted slightly – both in how much they cost in monthly premiums and in what they cover. These increasing costs can feel burdensome and unnecessary to those who seldom use their […]

Pre-Lockdown vs Post-Lockdown Spending Trends

The largest factor in our wealth creation, and our wealth protection, is our behaviour. How we choose to save and how we choose to spend are the habits that will determine if we are able to grow our money over time, or if we will erode it over time.

Why we need losers in our portfolio

There is a strange behavioural effect where investors tend to sell winners early and hold onto losers for longer. You would think that investors would offload their losers as soon as possible and hold onto their winners so that they keep winning, but the opposite is often found to be true. […]

ETF not EFF

Not to be confused with the EFF (the South African political party or the lesser-known Electronic Frontier Foundation…), ETFs have been gaining popularity in investment portfolios for about a decade.

ETFs (exchange-traded funds) were first developed in the early 1990s by Nathan Most, they offer both retail and institutional investors a great passive investment […]

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