PSG Wealth Newlands

11/08/2021

Recent world events have presented uncertainty and challenges.
We need to move forward, protect critical assets and plan for the long term, yet there are unique opportunities in a world of uncertainty. Trade wars, Brexit, Covid-19 and a range of other factors all made for an extremely volatile and uncertain environment over the past few years, all of which have negatively influenced global financial markets, yet over the past 12 months we´ve actually seen extremely strong runs on the JSE.

The JSE All Share Index (ALSI) is up about 54% for the 12 months to the end of March 2021 which many investors would not have imagined during South Africa´s first wave and seeing the market crashing at the end of March last year. This just goes to show that within every unique market scenario, an opportunity can present itself. We need to focus on living in the now, make the most of every day and embrace what life has in store for us. Words to live by:

"A pessimist sees the difficulty in every opportunity; an optimist sees the opportunity in every difficulty." - Winston S. Churchill

05/08/2021

Please join us on 17 August when Charlize Theron will discuss the very relevant topic of women in leadership.

02/08/2021

Roelf Meyer will be speaking about the future of South Africa’s constitution this Tuesday as a part of the hosted by PSG Wealth, be sure not to miss it. Link below:

https://thinkbig.psg.co.za/ep/?event=PSG-Think-Big-Series-RM-

23/07/2021

Herd instinct, the behaviour of crowds who follow each other blindly, regardless of the consequences, has never been more prevalent than in 2020.

Retail investors demonstrated panic selling and sold out of investments strategies they had been in for decades when the market crashed in March 2020, converting to cash at all-time low-interest rates and missing the subsequent V-shaped recovery. Investors who followed the herd underperformed those who stuck to their long-term investment strategy by 50% one year later. Sometimes missing a land mine is more important than picking a 10-bagger.

16/07/2021

Allan Gray has said it perfectly – a little can go a long way. It is easy to think that a small amount every month will not make a big difference, let’s rather spend it. This is far from the truth as compounding interest should not be underestimated, have a look at Graph 1 and Graph 2 for the facts. It is very important to balance lifestyle and investment decisions, just make sure to keep your future self in mind when making these decisions.

01/07/2021

As we enter a renewed level 4 lockdown in the Covid-19 pandemic, many of us will no doubt reflect upon some of the more philosophical aspects of our existence. The topic for our newsletter this month is about “Ikigai” – the essence of what motivates us, guides our passions and helps us make a difference in our communities.

30/06/2021

PSG Wealth has some amazing speakers lined up for the next couple of weeks as a part of the . Be sure not to miss it, please use the below links to register:

27 July | Gerrie Fourie - https://thinkbig.psg.co.za/ep/?event=PSG-Think-Big-Series-GF
3 August | Roelf Meyer - https://thinkbig.psg.co.za/ep/?event=PSG-Think-Big-Series-RM-
17 August | Charlize Theron - https://thinkbig.psg.co.za/ep/?event=PSG-Think-Big-Series-CT-
7 September | Mike Stopforth - https://thinkbig.psg.co.za/ep/?event=PSG-Think-Big-Series-MS-

17/06/2021

In the long run, offshore exposure is important to diversify your investments and hedge against SA sovereign risk. Pressing questions surrounding offshore exposure include how much one should have, if it is appropriate to go offshore at this time, and how one would go offshore. These questions largely depend on your circumstances.

You will also likely be aware that the rand has strengthened materially against the US dollar over the last year, and has dropped below R14/$ currently trading at R13.70 (01/06/21). This seems almost counterintuitive considering the South African predicament, but we would do well to remember that there are several factors driving the rand, such as the actions of the US Federal Reserve (the Fed) and various interest rate decisions by global central banks.

Please chat to your PSG Wealth financial adviser for more information on the above.

11/06/2021

While you are working your monthly income is your most valuable asset. Recent events have shown that not having an income for a three, six or twelve-month period puts unbelievable strain on our personal finances. If you are currently income-secure, make sure you have a strategy in place to build up resilience and provide protection for one of your most important assets.

28/04/2021

Does your financial adviser go the extra mile for you? You can nominate them for top wealth manager of the year in this year’s Intellidex survey PSG Wealth

Complete the 2021 Top Private Banks and Wealth Managers survey and stand a chance to win R10 000.

23/04/2021

Does your financial adviser deserve some extra recognition? You can nominate them for top wealth manager of the year in this year’s Intellidex survey https://bit.ly/3u9TTf6 PSG Wealth

Complete the 2021 Top Private Banks and Wealth Managers survey and stand a chance to win R10 000.

20/04/2021

Do you have funds sitting in cash at the moment? There is a risk that the interest you receive from the bank is less than inflation and the purchasing power of the funds will be worth less every year. We believe it is essential that investors avoid excessive cash allocations. The article from Adriaan Pask is worth a read.