FINANCIAL WELLBEING The link between your value proposition, financial advice, and financial wellbeing Financial wellbeing seems to always be linked to one specific word:Money! Money can provide one with wellbeing or at least have a profound impact on the wellbeing of an individual. However, our relationship with money is not limited to the extent that...
DFM The role, the guidance, the value! In the dynamic landscape of financial advisory practices, the role of discretionary fund managers (DFMs) stands out as a very important part of optimising strategies. In South Africa, we particularly witnessed this with the sudden emergence in recent years of more and more DFMs. It seems that it...
Perspectives on Systematic Risk Author: Wiehan Dul, Investment Analyst With $209 billion in assets, the collapse of Silicon Valley Bank (SVB) constitutes the second-largest bank failure in the history of the United States (Fig. 1). It should be noted that the collapse of SVB was not driven by credit risk but rather by interest rate...
The global Financial Action Task Force (FATF) announced on the 24th of February that South Africa will be added to the ‘grey list’. As noted by the FATF: “When the FATF places a jurisdiction under increased monitoring, it means the country has committed to resolve swiftly the identified strategic deficiencies within agreed timeframes and is...
What if you could change the conversation from “Which fund is the best compared to its peers?” to “Which solution can reduce the uncertainty of achieving my client’s goal?” Clients invest money with a goal in mind. Whether it is to finance a specific future life event or to satisfy some emotional need. Instead of...
By Anton Swanepoel South Africa’s advisers and intermediaries have certainly had more than their fair share of challenges and obstacles over the last few years, and COVID-19 obviously took it to another level. As if COVID, our political landscape, economic outlook, loadshedding, crime and corruption, fierce competition, consumer expectations, failed property syndications, pressure on fees,...
Once upon a very recent time, there was an investment company that decided to completely reinvent itself to become the leaders in outcomes-based investing in South Africa. As a boutique discretionary fund manager, Amity Investment Solutions aims to assist the independent financial advisor with outcomes-based offerings, thereby ensuring a new era of financial advice. While...
Advisors are constantly faced with more and more challenges in the industry. As though this is not enough, there's the ongoing economic (specifically geo-political) factors which also adds to the frustration. At Amity Investment Solutions we aim to alleviate some of the everyday concerns such as fund selection or the question that so often arises...
For most investors a money market investment seems the safest bet when they don’t want to lose their capital, and perhaps live off the interest. Even in living annuities we’ve seen how money markets are incorporated for either the income bucket or for phasing into other asset classes over time. Money markets seem to work...
Goals differ in terms of their importance, whether the goal is essential or aspirational in nature, when the money is needed, whether the specifications of the goal are fixed or whether there is some flexibility in the required outcome. The investor’s capacity for risk also differs dependent on their financial circumstances and the consequence an...