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August 2012
First-hand experience

Despite sharing instructive similarities and differences with South Africa, the success of Brazil’s SME sector as a catalyst for employment, and the taming of inflation, has laid a foundation for more stable long term...

August 2012
Following Europe

Europe’s highest court recently gave a decision in a trade mark case that deals with the technical, yet highly important, issue of trade mark classifications and class headings. Before discussing the ruling, some...

August 2012
Short term error

According to industry figures no less than three in ten self-employed people will suffer from a temporary disability before retirement. This event will seriously affect their ability to earn. Yet only 6% of disability...

August 2012
SA retail

If you want to check what big foreign investors really think about South Africa’s long-term prospects watch retail stocks rather than the knee-jerk reactions of international fund managers in the overall equity, bond...

August 2012
Missing a point

National Treasury’s latest discussion document on retirement reform signals a possible shift in Government's priorities. In 2006, retirement reform announced by former Finance Minister Trevor Manuel had three broad-...

August 2012
Dodgy dealings

Recent comment that South Africa’s insurers routinely rip clients off by failing to reduce vehicle values during annual policy updates is only partially correct. Many insurers do in fact automatically re-value...

August 2012
Without advice…

Despite a growing realisation that preservation of retirement funds is important the majority of South Africans still take cash withdrawals when faced with a preservation decision. Furthermore, the majority of...

August 2012
Oversupply warning

Investors who are looking towards the recent slump in commodity prices – which has seen many resource stocks plunge on the Johannesburg Stock Exchange (JSE) - as a good buying opportunity, are likely to be severely...

August 2012
Global chill

With the world’s major economies slowing down to a crawl and local consumer and investor confidence sapped by negative headlines, it is no surprise South African is now feeling the chill. It could mean this year and...

August 2012
Global consensus

Building environmental, social and governance (ESG) considerations into the transaction life cycle or investment process across all asset classes is fast becoming the new normal. And 300 of the world’s leading asset...

August 2012
Start the ball rolling…

Talk retirement planning with a 25 year old and you receive a blank stare; talk about it with a 40 year old, and you’ll have a conversation; talk with a 55 year old, and you can’t shut the person up! This old...

August 2012
Global alignment

The Financial Markets Bill, which was tabled by the National Treasury in Parliament on the 4th April 2012, will have a significant influence on South Africa’s markets.


This is according to Kelle...

August 2012
Getting advice

In today’s challenging economic environment business leaders and owners need to recognise the importance of business continuity planning that accounts for every eventuality. Since so many businesses – particularly in...

August 2012
Calling your bank

FNB’s offer of smartphones and tablets at reduced rates has been taken up by more than 80 000 customers since the offers were launched in late 2011.


The offer includes the popular new Apple iPad and...

August 2012
For the record

The Financial Services Board has granted a temporary exemption from having to write the Level 1 regulatory examination by 30th June 2012, to the following categories of Financial Service Providers (FSPs):

...
August 2012
Slight stimulus from lower interest rates

The latest Monetary Policy Committee (MPC) announcement by Reserve Bank Governor Gill Marcus saw the repo rate drop from 5.5% to 5.0%, thus lowering the prime rate to 8.5%, effective 20th July 2012, noting that the...

August 2012
Exclude the emotion

One of the greatest enemies of successful investing is emotion. In making an investment decision, being too optimistic in good times or too nervous in tough times, often leads to the wrong call. “Trying to time...

August 2012
Distrust of banks…

With interest rates persisting at their lowest levels in 30 years, the 14% increase in corporate deposits in South Africa is adding significant pressure to returns on equity for many local companies already sitting on...

August 2012
“Savings Month” a bad joke

National Savings Month is being turned into ‘a bad joke’ by a deluge of marketing material touting easy finance and quickie personal loans that many consumers will struggle to repay. So says Deborah Solomon, a...

August 2012
Specific terms

South African importers and exporters are handling millions of tonnes of cargo via sea every month, worth billions of Rands. It is crucial for them to understand the major risk factors involved in the transport of...

August 2012
Trade trouble

The Eurozone debacle, if nothing else, suggests how tricky it can be to enter into foreign trade. Bailouts are now mooted for at least five European countries with many banks being downgraded by the credit agencies (...

August 2012
Buy now, repent later?

With latest figures from the central bank indicating that South African household debt stands at 75% of disposable income, and an average of 6 000 South Africans applying for debt counselling every month, consumers...