Allan Gray Kaya Biz

ALLAN GRAY: Why every investor needs an independent adviser right now.

The stock market is a lot like the ocean, with rising tides, ebbs and flows. Navigating these choppy waters can be challenging without the guidance of a good independent financial adviser who can help long-term investors stay the course and avoid destructive behaviours that lock-in permanent losses. Ahead of World…

4 Oct 2022 12 min

Why financial optimism matters and how to find it when the world is a mess.

With the cost of living escalating, inflation reaching all-time highs, rampant rolling blackouts, and the very real risk of the South African economy slipping into a recession, many investors may be left feeling less optimistic about their financial futures. It is easy to get bogged down by the current state…

20 Sep 2022 14 min

ALLAN GRAY FEATURE - What will happen to your investments when you die?

Many investors overlook the importance of estate planning when thinking about their broader financial planning. Neglecting to think about what will happen to our assets when we are gone can have disastrous consequences for our loved ones, particularly if they are minors and dependent on us. Next week is National…

6 Sep 2022 14 min

How to be financially resilient in a rising inflationary environment.

Most of us know what it means to build resilience in the context of health and wellness. But, what does it mean to be financially resilient? Building financial resilience can help investors manage the impact of rising inflation and interest rates. Cedrick Pila, IFA Distribution regional manager at Allan Gray,…

23 Aug 2022 11 min

How to Apply “Cathedral Thinking” To Your Investment Approach

The uncertainty and prolonged financial distress brought about by the COVID-19 pandemic has led many investors to operate in survival mode and to prioritise their short-term needs, often at the expense of their longer-term financial interests. Marise Bester, ManCo specialist at Allan Gray, joins Kaya Bizz to discuss the idea…

22 Feb 2022 8 min

Allan Gray: Could You Survive On Less Than A Third Of Your Income In Retirement?

According to a recent retirement industry survey, the average South African retiree can replace just 31% of their monthly income when they reach retirement. Most income-earners face the very real risk of outliving their retirement nest egg. Saleem Sonday, head of Group Savings and Investments at Allan Gray, joins Kaya…

8 Feb 2022 10 min

How to Maximise Your Tax Benefits Before The End Of The Tax Year

With the end of the tax year approaching, now is the time to take advantage of the tax benefits made available through retirement products and tax-free investments. We are joined by Carrie Norden, senior tax specialist at Allan Gray, to tell us how we can make the most of tax…

25 Jan 2022 12 min

Allan Gray: Ways We Can Leverage The “Fresh Start Effect” To Set Achievable Financial Goals

The first few weeks of a new year can feel like a clean slate and a good time to give our finances a fresh start. Research suggests that we are most motivated to achieve the goals we set when we action them at the start of a new period –…

11 Jan 2022 9 min

Personal finance lessons from Squid Game

Netflix’s smash hit show Squid Game may not be for everyone due its shock factor and gruesome violence, but it is a relatable story that hits close to home for many over-indebted households. Allan Gray’s Cedrick Pila joins Kaya Bizz to share some of his favourite lessons from the series

7 Dec 2021 11 min

Use Your Bonus To Invest More For Your Future

Siyasanga Mlozana joins us to talk about how we can use our bonuses to give our retirement savings a much need boost. The new COVID-19 variant reminds us that we are not out of the woods just yet – even though some indicators suggest that our economic activity is showing…

30 Nov 2021 9 min

Should you revenge spend on travel this holiday season?

After 18 months of lockdowns and the easing of travel restrictions, optimism is finally returning to many South Africans who have had to halt their dreams of dashing off to far-off destinations or taking a well-deserved break closer to home. If you are planning to travel, there are a number…

16 Nov 2021 16 min

Jacques Plaut - Portfolio Manager At Allan Gray

The market tends to proceed in a random fashion over the short term, but there are a few themes driving activity at present. Jacques Plaut, portfolio manager at Allan Gray, joins Kaya Biz to take us through some of the themes that local investors should keep an eye on.

2 Nov 2021 10 min

Do I need to file an income tax return for the 2021 tax year?

The South African Revenue Service (SARS) continues to focus on introducing online and digital services, simplifying the tax-filing process, and making it easier for us as taxpayers to comply. Tax season is officially underway and filing returns provokes anxiety in many of us. Carla Rossouw, Tax lead at Allan Gray,…

27 Jul 2021 14 min

Investing for capital preservation and growth

Many of us are still reeling from the effects of COVID-19 on our lives, our health and even our investments. History reveals the only asset class that has consistently delivered returns in excess of inflation is equities. But after the rollercoaster ride of the past year, many investors are understandably…

29 Jun 2021 14 min

Building a solid financial foundation

As a young professional, it is easy to get sucked into focusing on your career, the immediate needs of supporting a family, and working towards your various goals. As a result, we often overlook the importance of building a firm financial foundation that can sustain us through life’s various seasons…

15 Jun 2021 12 min

The dangers of social media financial advice

In recent years, social media platforms have become a popular source for personal finance information and advice – with users sharing tips on everything from the latest stocks to buy and products to consider, to behavioural hacks to help you manage your monthly budget and more. But can you trust…

2 Jun 2021 11 min

Where to from here for interest rates and money market returns?

Lower interest rates are a life jacket for those who are in debt or paying off home loans, but they have negative consequences for savers. The repo rate is currently at 3.5%, the lowest in the country’s history, but with members of the South African Reserve Bank’s Monetary Policy Committee…

18 May 2021 11 min

Where to from here for inflation?

Most of us are familiar with what inflation means for our pockets – we can all attest to how inflation has affected the cost of goods and services over time – but inflation also has numerous implications for the markets and our investments. A great reflation versus inflation debate dominated…

5 May 2021 13 min

Key questions to help you prepare for your retirement

Although we all have different circumstances, we all want the income we receive in retirement to be sustainable for life and to be enough to maintain our standard of living. Ideally, we also want our income to keep pace with inflation each year. However, the reality is that less than…

20 Apr 2021 9 min

Balance caution with opportunism by investing in a low equity strategy

Risk-averse investors fled the market in droves as the COVID-19 crisis hit, opting for the security of money markets, rather than suffering through the volatility. However, it seems the appetite for equities has returned now that the markets are flying. While this behavior is understandable, it is also counter-productive for…

6 Apr 2021 11 min