Heptagon Capital

04/06/2025

Who benefited more — the clients who pulled out their investments when COVID hit, or the clients who left their investments alone? Questions like these and more are answered on Corné's TikTok Live Q&A every Wednesday from 18:00 to 19:00.
Tune in here: https://www.tiktok.com/

28/05/2025

Why Do Clients Fire Financial Advisors?
You might think high fees are the main reason clients fire financial advisors. While fees can play a role, they’re not the biggest factor. Today, we'd like to share some of the most common reasons clients leave their advisors—so you can avoid these mistakes:
✅ Unrealistic expectations – Overpromising at the start of the relationship and failing to deliver.
✅ Misreading client needs – Not fully understanding what the client truly wants.
✅ Lack of attention – If you don’t give your clients the attention they deserve, don’t expect them to stay.
✅ Fees – Clients are happy to pay high fees when they see high returns. When they don’t, they’ll start looking for ways to cut costs.
✅ Poor communication – Ignoring calls and emails is a fast track to losing a client.
✅ Too much jargon – Not everyone understands financial language. If you don’t simplify complex terms, clients will feel lost—and leave.
Avoid these mistakes, and you’ll build stronger, long-lasting client relationships. A happy client today is a loyal client for life!

If you found this post insightful, please give it a like and share it.

Visit our website: www.heptagonc.com
Follow Heptagon Capital on Facebook: https://lnkd.in/dnRxVUuA
Talk To Us: [email protected]
Send me a WhatsApp: 060 541 4685

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14/05/2025

Get your finance questions ready! Tonight, Corné is hosting another TikTok LIVE Q&A on his page! Be sure to tune in at 18:00.
Tune in here: https://www.tiktok.com/

06/05/2025

Success in every area of life—your investments, your business, your relationships—comes down to one thing: self-discipline.

We often hear people say they dislike rules or structure, but the truth is, discipline is already part of our daily lives. Getting up for work, making time to eat, staying active—these are all forms of discipline.

The key isn’t forcing yourself to follow someone else’s system. It’s discovering your own version of discipline and committing to it.

Find your own rhythm. Follow your own rules. But stay disciplined. That’s where success begins.

If you found this post insightful, please give it a like and share it.
Visit our website: www.heptagonc.com
Follow Heptagon Capital on Facebook: https://lnkd.in/dnRxVUuA
Talk To Us: [email protected]
Send me a WhatsApp: 060 541 4685

05/05/2025

When making investment decisions, how many factors do you actually take into account?

Professional portfolio managers consider dozens—sometimes hundreds—of variables. That’s why many of them operate in teams of 100 to 500 experts before a single decision is made.

Yet, many individuals still base their financial decisions on what they heard from a friend or saw on social media.

Is that really the best approach?

Be cautious. Investments are too important to leave to chance or hearsay.

If you found this post insightful, please give it a like and share it.
Visit our website: www.heptagonc.com
Follow Heptagon Capital on Facebook: https://lnkd.in/dnRxVUuA
Talk To Us: [email protected]
Send me a WhatsApp: 060 541 4685

02/05/2025

A portfolio manager from one of South Africa’s top five funds recently shared something few are willing to admit:
Even with all their experience, research, and resources, they only get their investment picks right 55% of the time.

This should be a wake-up call. If seasoned professionals operating at the highest level in South Africa can’t guarantee perfect outcomes, how can the average person expect to beat the market based on tips, trends, or gut instinct?

It’s time to stop chasing the next “hot investment” and start focusing on proper planning.
Understand how investment planning works. Follow real advice. Make informed decisions.

If you found this post insightful, please give it a like and share it.
Visit our website: www.heptagonc.com
Follow Heptagon Capital on Facebook: https://lnkd.in/dnRxVUuA
Talk To Us: [email protected]
Send me a WhatsApp: 060 541 4685

29/04/2025

What’s the difference between Allan Gray, Sanlam, Liberty, Investec, and Coronation?

Many people want to know which investment house is the “best.” But the truth is, it all comes down to philosophy—how each company approaches the market.
Some prefer to hold capital and wait for opportunities. Others invest in solid, consistent performers. But here’s the key insight most investors overlook: nearly all these platforms offer each other’s portfolios.

That means you can invest with Sanlam and still access Allan Gray portfolios—or with Old Mutual and get Coronation funds.

So before choosing a provider, look at:
Which portfolios are on their platform
Which ones are common across different houses
Which philosophy aligns with your goals

If everyone’s listing the same portfolio (like Allan Gray Equity Fund or Marriott Income Fund), that says a lot.

At the end of the day, just like buying a BMW over a Toyota, it comes down to what resonates with you.

Let the philosophy guide you—not just the brand name.

If you found this post insightful, please give it a like and share it.
Visit our website: www.heptagonc.com
Follow Heptagon Capital on Facebook: https://lnkd.in/dnRxVUuA
Talk To Us: [email protected]
Send me a WhatsApp: 060 541 4685

24/04/2025

Is property really the best investment?

If you're tied to a bond for 20 years, that property isn’t really yours until it's paid off. And in those years, a lot can go wrong—defaulting renters, damage, market crashes, or insurance gaps.

By contrast, with investment portfolios, you have visibility, expert management, and flexibility. And if you do want to invest in property, make sure you’re guided by someone who’s built a successful property portfolio—not just dabbling.

If you found this post insightful, please give it a like and share it.

Visit our website: www.heptagonc.com
Follow Heptagon Capital on Facebook: https://lnkd.in/dnRxVUuA
Talk To Us: [email protected]
Send me a WhatsApp: 060 541 4685

22/04/2025

Are those 9–14% returns real—and sustainable?

Yes. But it’s essential to understand what they truly represent.

Those returns are after tax and after fees—real growth in your pocket. The key is not just finding the “best investment,” but finding the right strategy for your goals and risk tolerance.
If you want high returns, you need to be comfortable with risk—especially when investing in aggressive portfolios that focus more on equities than cash or bonds. Market dips of 30–40% have happened, but history shows they recover, often within months or a few years.
Smart investing is about long-term vision, strategic diversification, and personalized planning.
Make sure you’re not just chasing numbers. Get advice. Build a strategy. Stick with it.
The best returns are reserved for those who can stomach the journey.

If you found this post insightful, please give it a like and share it.
Visit our website: www.heptagonc.com
Follow Heptagon Capital on LinkedIn: https://lnkd.in/d5bNBpq9
Talk To Us: [email protected]
Send me a WhatsApp: 060 541 4685

17/04/2025

Not all financial advisors are created equal.

As a client, it's easy to feel overwhelmed. Technical jargon, product pushes, and unclear intentions can make financial advice feel more like a sales pitch than a service.
Here’s a simple but powerful tip:
Ask your advisor what they’re personally invested in.
Are they recommending products they trust enough to use themselves? Do they have life cover, retirement annuities, and the same benefits they’re advising you to take?
A great advisor won’t just tell you what to do—they’ll show you what they’ve done for themselves. Transparency matters.
Don’t be afraid to seek second or third opinions. You’d do it for a medical diagnosis—why not for your financial future?
It’s your money. Your future. Make sure the advice you get is trustworthy, honest, and aligned with your goals.

If you found this post insightful, please give it a like and share it.
Visit our website: www.heptagonc.com
Follow Heptagon Capital on LinkedIn: https://lnkd.in/d5bNBpq9
Talk To Us: [email protected]
Send me a WhatsApp: 060 541 4685

15/04/2025

Many people have asked whether the 9% to 14% returns I’ve mentioned before are calculated after fees and tax. The short answer? Yes—these are net returns.

It might sound unrealistic to some, but with the right portfolio and a solid fund manager, it’s absolutely possible.

The real question is: are you investing for the short term, chasing high returns and taking high risks? Or are you building long-term wealth with consistency and patience?

If your mindset is long-term—10, 20, or even 40 years—the power of compound growth works in your favour. You’ll find that steady returns of even 5% to 9% can build substantial wealth over time.

Don't get caught up chasing the "best investment." Instead, focus on your strategy:

What’s your time horizon?
What’s your risk appetite?
What’s your ultimate goal?

With those three factors aligned, the right portfolio can serve you incredibly well—after fees, after tax, and well into the future.

Let’s stop chasing returns and start building wealth.

If you found this post insightful, please give it a like and share it.

Visit our website: www.heptagonc.com
Follow Heptagon Capital on LinkedIn: https://lnkd.in/d5bNBpq9
Talk To Us: [email protected]
Send me a WhatsApp: 060 541 4685