Your retirement fund is not an ATM

09 June 2020 –Glacier by Sanlam In these current market conditions, if you have a job, hold on to it. This is logical. However, there is a new trend on the rise – financially desperate people resigning from their jobs without new ones lined up, just so they can access the money saved in their pension funds. Sherwin Govender, Business Development Manager at Glacier by Sanlam, weighs in on this scary…

The potential loss of gains by ‘guessing’

This paper focuses on the effect on returns caused by trying to time markets. The theory behind this is that we tend to ‘think’ we have the skill to time markets, although the decision is often driven by fear or greed to be invested or not. Research suggests that we do not have this skill of foresight, and nobody, not even Mr Warren Buffet, could convincingly attest to this. The…

The benefits of increasing offshore exposure in post-retirement

One of the most significant once-off life events a person will ever experience is retirement.  Therefore a large portion of an individual’s working life is committed towards preparing for this occurrence, as one does not get a second chance at it.  This transition from actively earning an income to passively generating an income while in retirement is so important that an entire profession (financial adviser) and industry (financial services) is…