What goes down must come up! “What goes down usually goes back up, if you are willing to be patient and don’t hit the panic button.” Mark Mobius, Founder Mobius Capital. Over the past year investment returns have been disappointing! So far this year (up to 27th November 2018) the markets have generally declined. Here are the returns: The world is made up of “up” and “down” cycles. Stock markets

Guaranteed Annuity or Living Annuity At retirement, investors are faced with two options when deciding on purchasing an annuity. Should I purchase a guaranteed annuity or a living annuity? A guaranteed annuity is underwritten by a life insurance company who guarantee to provide the investor/life assured with a fixed annuity income for the rest of their life. Guaranteed annuities can be structured so that the annuity increases annually by a

Invitation to an Investment Presentation 2018 has been a tough year for investments! There has been political upheaval throughout the world and global stock markets have generally declined making important investment decisions very difficult. To try and make sense of the current investment climate join Rod Hunter, Sales Manager of Investec Asset Management as he provides a market update and reviews the key challenges facing South African investors in 2019.