As the year draws to an end, it’s a great time to reflect. I can well imagine the questions many South African investors will be asking themselves as they look back on the year that was; “what happened to my investment portfolio?”, “Am I invested in the appropriate asset classes?”, “Is the strategy of my […]
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The Harbour Way – Investing for Income
The Toyota way is a set of now famous principles that underly Toyota’s approach and production system. Toyota embodies the process that reliably and consistently produces exceptional cars. At Harbour we have created our own blue print of underlying principles, to ensure our offering is not only reliable but also consistently exceptional. Harbour Wealth’s approach […]
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Portfolio Diversification with a Reduction in Risk
I was at a party recently, having a chat with a new friend, and he mentioned that he had become a Whisky investor. Now this might sound ridiculous to most of us, but in fact, Whisky ranks in the top 4 of Alternative Investments for private individuals to invest in. The other 3 in no […]
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It’s Messy Out There!
Our industry is messy and full of acronyms, jargon, mantras and quotes. Put your hand up if you have never heard “it’s not about timing the market, but time IN the market” “Rule No.1: Never lose money. Rule No. 2: Never forget rule No. 1.” “Diversification is the only free lunch in investing.” “Compound interest […]
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The Modern Financial Adviser
Ask yourself this simple question, “Would you put your life in the hands of a doctor who is following the same methods and using the same treatments and medicine he was using 20 years ago?” You may be wondering what this has got to do with financial advice and the modern financial adviser? Everything! After […]
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The Power of Compound Interest: And Why It’s So Important to Start Young
Being Youth Month, I thought it only pertinent to focus on this month’s hot topic of conversation; Millennials. I am a Millennial (proudly so), and working in the Financial Services Industry has given me an incredible grounding of concepts that I see so many of my peers battling with. I am one of the lucky […]
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Decisions that could result in Regret
When thinking about our retirement, I am sure we see ourselves as possibly travelling the world, lounging on the beach, or taking up that one hobby we never had time for. I doubt there are many of us that envision still having to work or struggling to make ends meet. Working during our earning years […]
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Protecting Your Greatest Asset
Let’s start this conversation with an important question, ‘What do you consider as your most valuable asset?’ Take a minute and think really hard about this. Here are some ideas: Property? Vehicles? Investments? If you have answered yes to one of the above, you might not be entirely wrong, but have you thought about how […]
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Keeping Things in Perspective
The past few months have been difficult for many South African investors, as most asset classes are in negative territory this year. The below performance chart is one of our favourites here at Harbour Wealth for a number of reasons, which we will discuss. Let’s first highlight a few key points by looking at the […]
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Change in VAT rate
The Minister of Finance announced (in the February 2018 Budget speech) that VAT will increase from 14% to 15% with effect from 1 April 2018. This is the first increase in the VAT rate since 1993. As a result, we would like to inform our clients that our annual Discretionary Fund Management Fee (inclusive of VAT) […]
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