Being a Certified Financial Planner/Wealth Manager at Harbour Wealth is the ‘easiest’ hardest job in the world. The easy part being that if you can build strong, solid relationships and hold up your end of the bargain in terms of meeting the expectations of your clients, you can keep them for life. Plus, you derive […]
Continue readingMore Tag
Effective Annual Cost
“Never invest in an Investment you can’t understand.” and “Beware of Geeks bearing formulas.” Warren Buffett Harbour Wealth clients may have already noticed a new acronym floating around the financial services space – EAC! At first glance it may look like another convoluted formula, designed to pull the wool over our eyes. It is, however, anything […]
Continue readingMore Tag
The importance of having a Will
“Most people do not know whether their loved ones have executed a Will, where the original might be kept or who has been nominated to wind up the financial affairs of the deceased.” South African Registry of Wills and Testaments’ While it is probably not the conversation of choice over dinner, having an updated Last Will and Testament [Will] […]
Continue readingMore Tag
Melissa Dyer on Classic Business
In July 2016 Melissa Dyer was asked to be a guest speaker on an episode of Classic Business on Classic FM. The show dealt with Structured Products’ Role in Wealth Planning. https://www.harbourwealth.co.za/wp-content/uploads/2016/07/11-July-2016-Classic-Business-with-Brian-McMillan-Melissa-Dyer-Andrew-Oliff-1.mp3 Melissa Dyer on Classic Business
Continue readingMore Tag
This Time is Different!
Harbour Wealth Client Newsletter May 2016 I recently read an article by Andrew Serwer from Fortune magazine that attempted to sum up the US market. I quote: “That was a nasty patch the market went through this fall (Oct / Nov) huh? So was it just the bull pausing to catch his breath? Or was […]
Continue readingMore Tag
The HOW and WHY of Offshore Investing
April 2016 Harbour Wealth Client Newsletter Whenever the Rand or our president misbehaves, we know the interest in offshore investing peaks, and understandably so. Last year the Rand depreciated by roughly 30% against developed market currencies, and on average has historically depreciated by 6% p.a. Our neighbouring country Zimbabwe has taught many of our friends […]
Continue readingMore Tag
The Power of Diversification
March 2016 The Power of Diversification How often have you been at a social event and the conversation steers towards investments and everyone starts to share their most recent returns? The answer I have often heard is “my investment has done well”, which then deserves to be challenged as to what constitutes “well”. One needs […]
Continue readingMore Tag
2016 “It’s a Zoo Out There”
January 2016 2016 “It’s a Zoo Out There” English author Edward Bulwer- Lytton way back in 1839 for his play Richelieu: Or the Conspiracy about Cardinal Richelieu. first penned the line “the pen is mightier than the sword” in the passage: “The pen is mightier than the sword. Behold The arch-enchanters wand! — itself is nothing! […]
Continue readingMore Tag
Saving for retirement……do you have enough?
You can’t look anywhere in the press these days without seeing the words ‘Retirement Savings’ coming into focus. Recently the government has being trying to implement Retirement Reform Policies in an attempt to encourage everyone to save more. Their motive behind this is, the more individuals save towards their own retirement, the less pressure ultimately […]
Continue readingMore Tag
94% OF SA AFFECTED DAILY BY BIGGEST UNREPORTED FRAUD!
Harbour Wealth Client Newsletter August 2015 This month’s newsletter is based on a presentation I gave at the recent MONEY EXPO run by SAFM, RSG radio and MONEYWEB. After the positive feedback I thought I would cover the issue in our newsletter. – Eugene Maree Director 94% OF SA AFFECTED DAILY BY Biggest unreported FRAUD! […]
Continue readingMore Tag