Wikus van Biljon-Financial Planner

14/12/2020

“When money realizes that it is in good hands, it wants to stay and multiply in those hands.” ― Idowu Koyenikan
If you want to see your wealth prudently managed with growth and without surprises, contact us on [email protected]

12/09/2020

Markets don’t make you money; your habits… make you money.
As creatures of habit, we ultimately become our own best friend, or our own worst enemy. This is why it’s important to be mindful of how our emotions affect our choices and influence our behaviour.
We can remind ourselves of this time and time again, but still we might find ourselves slipping into old habits and allowing emotional decisions to vilify our investment strategies.
This is largely due to the fact that if we step back and take a broader look at the market performance of the past three to five years, most local markets have underperformed. Many will say that only offshore has been showing growth, but even that is another way of saying that the ‘grass is greener on the other side of the fence.’
We all know that the grass is greener where it’s watered!

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03/09/2020

Crack the ice ahead of you!
Remind yourself of the plan and direction you have
Without a plan, we are completely lost. Having a solid strategy in place establishes our priorities. Having a plan makes the decision-making process so much easier. If all we have to do is ask ourselves, “Does this aid me on the path to achieving my goal?” then the answer is usually quite straightforward.
A plan shows us where we are going, but more importantly; it shows us how far we’ve come. The very act of making a plan turns an idea into a tangible goal!

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18/08/2020

The practice of storytelling is ubiquitous among cultures all across the globe. Sometimes we seem to forget the power that a story can hold over people. We use stories to make sense of our world and to share that understanding with others. When it comes to something as important as finance it is important that the stories we tell ourselves are based in reality.

Yes, the stories that we tell ourselves. We can be forgiven for inflating the truth amongst friends, since most of the time everyone is aware that the story is unbound by facts in the name of entertainment value. But when creating the stories that we tell ourselves, the stories that we make financial and life decisions based on, our brains can play tricks on us.

The practice of storytelling is ubiquitous among cultures all across the globe. Sometimes we seem to forget the power that a story can hold over people. We use stories to make sense of our world and to share that understanding with others. When it comes to something as important as finance it is imp...

30/07/2020

What the low interest rate means for you!

In light of the difficult times recently, Southern Africa has been awash in low interest rates. When South Africa significantly cut its base interest rate from an already-low 6.25% down to 4.25%, it officially became the lowest interest rate the country has ever had. In late 2019, the Bank of Namibia’s Monetary Policy Committee reduced the rate to 6.5% from 6.75%, then lending rates at Bank Windhoek were slashed further come 2020.
Interest rates, particularly interest rate cuts, typically have complex and far-reaching effects on the market, but what does it mean for you?
From you as a consumer to you as an investor, we’ve rounded up the most significant ways the low interest rate affects you – and how to best capitalise on it.
Cash is not king (when investing…)

In light of the difficult times recently, Southern Africa has been awash in low interest rates. When South Africa significantly cut its base interest rate from an already-low 6.25% down to 4.25%, it officially became the lowest interest rate the country has ever had. In late 2019, the Bank of Namibi...

23/07/2020

Most of us are chronic under-savers even in the best of times. Yet with the current economic environment, lots of previously hypothetical concepts like ‘what if I’m retrenched or have my salary cut?’ are far more concrete – and, unfortunately, more likely to happen.

There’s never been a time when saving is more important, but there’s also likely never been a time when it’s more difficult.

Do you want to put something away for a rainy day (or retirement) but don’t know how to stretch your money far enough to do so? Here are some ideas.

Most of us are chronic under-savers even in the best of times. Yet with the current economic environment, lots of previously hypothetical concepts like ‘what if I’m retrenched or have my salary cut?’ are far more concrete – and, unfortunately, more likely to happen. There’s never been a ti...

06/07/2020

Current investors have seen more ‘interesting times’, more black swans and market freefalls, than any other generation gone before.

From the 2008 global financial crisis, followed by the longest bull run in history, to Brexit, several downgrades for South Africa and then the COVID-19 pandemic, today’s investors have run the gamut. Their emotions have run the gamut too, whether they realise it or not.

Current investors have seen more ‘interesting times’, more black swans and market freefalls, than any other generation gone before. From the 2008 global financial crisis, followed by the longest bull run in history, to Brexit, several downgrades for South Africa and then the COVID-19 pandemic, t...

19/06/2020

Do you enjoy the convenience of shopping for everything under one roof? Well - we do too!

All-Gen offers you a complete financial services solutions.

Book your online consultation today ensure you have adequate cover for when life happens.
074 369 1973
[email protected]

17/06/2020

The last few years have seen more market volatility than anyone could have predicted, with the icing on the cake being the COVID-19 pandemic. But the best and worst thing about markets is their cyclical nature. All markets recover, eventually.

We know what to do when there’s a downturn and experience has taught many investors some hard lessons with recent stock market crashes. But what about an upswing? What do you do when the markets recover – and what should you avoid?

The last few years have seen more market volatility than anyone could have predicted, with the icing on the cake being the COVID-19 pandemic. But the best and worst thing about markets is their cyclical nature. All markets recover, eventually. We know what to do when there’s a downturn and experie...

09/06/2020

Book your online consultation today to start planning towards your retirement.
074 369 1973
[email protected]