When Does Wealth Become Genuinely Surplus?
When is wealth genuinely surplus? We distinguish the assets your financial security still depends on from capital you could spend, give away or use for other purposes without compromising your own plan.
Once You Have Enough to Retire: The Financial Question Changes
Once your retirement is comfortably funded, accumulating more may no longer be the main objective. We look at how the financial questions change … from required return and investment risk to spending, surplus capital, family and legacy.
Beating the Market: Is Not a Financial Plan
Beating a benchmark is not the same as achieving an investment goal. A better framework starts with the real return your financial plan requires and the risks that could prevent it from working.
DFM Fees in South Africa: What You’re Actually Paying, and to Whom
Many advisers now earn from the investment products they recommend, not just the advice. Here’s how DFM fee layering works, and what it’s reasonable to ask.
How to Choose a Financial Advisor: The Two Questions That Matter Most
Choosing a financial advisor comes down to two questions most people never ask: how are they paid, and whose interest does that serve? A practical guide to telling a real advisor from a salesperson — and the questions to ask first.
Financial Planning for Executives: Don’t Let One Company Own Your Future
For most executives, the biggest risk isn’t the market — it’s how much wealth rides on one company through share options. A guide to equity schemes, Section 8C tax, and diversifying out of concentration.
The Value of Financial Advice: When Information Is Free
Is financial advice still worth paying for in the age of DIY? A straight guide to when you can comfortably go it alone, when advice earns its fee, and what you’re really paying for.
Investing in Gold: A Structural Allocation, Not a Bet
Gold has a real place in a portfolio — but a humble one. The honest case for a structural allocation to gold, why it can do nothing for years, and why the assumptions investors make about it (like “war is good for gold”) so often fail.
Investing in AI: Why the Most Valuable Layer Is the Hardest to Call
“Investing in AI” isn’t one decision — it’s five. We use Jensen Huang’s five-layer view of the AI stack to map what exposure means at each level, and why the application layer remains the biggest unknown.
Life After Selling Your Business: What to Do With the Money
Selling your business turns years of work into a single pile of cash — and decisions most founders have never faced. How to get the after-tax number right, avoid rushing, and structure the proceeds to last.
The Brilliant People With Broken Compasses
Most active managers are smart, credentialed, and rigorous — and persistently underperform anyway. SpaceX’s record IPO offers a useful lens on why.
Investment Risk and Return: How Much Should You Take?
Risk and return are inseparable — you can’t have one without the other. This is how we think about investment risk: what it really is, where the asset classes sit, and how a real-return target translates into an equity allocation.