Firwhay Financial Consulting

08/04/2026

A Ripple , A Rhyme gives you a Dime!

The investment market primarily rewards patient, long-term investors who manage risk through diversification and maintain discipline during volatility. The regularity of market crashes is a reminder that patience is key to investing in equity markets.

25/03/2026

Will your Retirement Income last ?!

Drawing too much income Starting retirement with a drawdown rate that is too high is one of the most common mistakes. Higher withdrawals require higher returns to keep income sustainable, increasing reliance on market performance and reducing the margin for error Market risk and sequence risk Market...

04/02/2026

Only the Postman rings twice!

INVESTMENT TAXES WHY PAY THESE TAXES ?? Investment taxes in South Africa (and globally) primarily include taxes on income (interest, dividends, REITs) and capital gains tax (CGT) upon disposal. Key types include local/foreign interest, dividends withholding tax (DWT), and CGT on profit, which are ta...

20/10/2025

All that Glitters is Gold ?

All that glitters is GOLD and the reason behind the surge in price relates to uncertaintity. A number of reasons have been suggested to explain the current record run for gold. These include greater economic uncertainties from ballooning government debt levels and the current US government shutdown....

13/08/2025

Let it Whisper in Silence

Building wealth isn’t just about earning more or saving better. It’s about understanding the fundamental principles that make money work for you. 80 % of you WEALTH BUILDING comes from Behaviours, Habits & Decisions.

11/07/2025

What gets measured, gets managed

Problem #1: Winners and losers have the same goals and lack accountability Problem #2: Achieving a goal is only a momentary change. Problem #3: Goals are often external and arbitrary and could have unrealistic expectations Problem #4: Goals are at odds with long-term progress and usually not quantfi...

03/05/2025

Braai Tchop Adviser

It's puzzling to see why people generally go to professionals for expert advice on their health or legal issues, but not so when it comes to their finances. Your medical practitioner has studied long and hard to build up the expertise needed to diagnose an illness or advise you on health matters. So...

08/11/2024

Keeping your home protected is your responsibility. Simply doing a few maintenance checks can make big impact when it comes to managing the risks in your home.

16/09/2024

What is Estate Planning and Why is it important ?

Estate Planning is the process of anticipating and arranging, during a person's life, for the management and disposal of that person's estate during the person's life, in the event the person becomes incapacitated and after death.

04/08/2024

What we can learn from Natures Smart 5

Storing enough food to survive a winter requires a great deal of intelligence and planning. Instead of repeating the process of "Catch & Kill several times , squirrels, chipmunks , sea otters , wood peckers and foxes store their food when the supply is low. The same applies to financial planning . A...

03/07/2024

Making R5.5 million in 5 minutes..... as Scammer

EMAIL INTERCEPT AMan-in-the-middle attacks (MITM) are a common type of cybersecurity attack that allows attackers to eavesdrop on the communication between two targets when using email . The attack takes place in between two legitimately communicating hosts, allowing the attacker to “listen” to ...