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The Biggest Risk to a Comfortable Retirement Risk. We fully empathise with you that it can be a frightening concept. After all, you’ve worked hard for this. As you approach retirement, your time in the sun beckons. The fruits of decades of commitment, discipline and sacrifice will be yours to enjoy. Risking the tree that...

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Understanding a Comfortable Retirement One of the most satisfying elements of my job is when I sit down with a client on the cusp of retirement and say the words: “Congratulations! You have enough for a comfortable retirement.” This short sentence infers so much, yet almost seems inadequate for such an incredible achievement. Whether achieved...

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Explaining the Market Sell-off There’s no doubt about the identity of the most important theme in the markets right now: rising US Treasury yields. It’s worth doing a crash course on bonds before we delve into the impact of rising yields on share portfolio values and the reasons for the recent sell-off in shares. Bonds:...

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How We Keep Beating The Market Next time you see someone walking around with a geeky smile from ear to ear, there’s an outside chance that he or she is a Heritage Wealth client who just received an investment performance update. You see, our clients benefit from an asset allocation strategy that works. Really works....

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Investment Trends Cheat Sheet A new year has arrived. With it, the usual mix of opportunity and risk presents itself. Whilst you may have gone on holiday over December, your money didn’t. Heritage Wealth Partners remains fully focused on ensuring that your investments are creating wealth and being managed at an appropriate risk level. The...

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When the elephants fight… You know the rest. The grass gets trampled. In this case, the grass may well be your retirement savings. At present, there is a regulatory battle royale underway with top financial institutions leading the charge on both sides of the fence. The issues revolve around significant changes in exchange control and...

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Investing Is An Intangible Art On a daily basis clients ask me about tech shares and valuations, so in this article I wanted to help you understand how companies with Intangible assets can be valued. Visual Capitalist reports that intangible assets currently account for around 90% of the S&P 500’s total assets. But what does...

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The Biden-Vaccine Rally And What It Means For Investors Against this backdrop of arguably one of the most chaotic and unpredictable years in modern history, we are pleased to report that since 01 Jan 2020 our Unicorn Fund returned over 60% in ZAR and our Altos Fund returned 14% in USD.  We have seen this...

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Has The MTBPS Changed Our Investment Approach? At Heritage Wealth Partners, we focus on investment strategies that make sense for individual clients. We are guided by an underlying belief that a sensible strategy includes a healthy dose of geographical diversification. Did Finance Minister Tito Mboweni’s speech unveil anything that changed our minds? The MTBPS is...

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SA mid-caps: best for traders, not wealth creators If FinTwit (market commentators on Twitter) is a reliable gauge of investor sentiment, there’s a shift in focus among South African institutional investors and analysts towards the unloved children in the small- and mid-cap space on the JSE. This is largely because there are limits placed on...