Investment Tips & Ideas

Investment/saving ideas for the week 9 September 2015:

Investment / saving ideas for the week:

USA Property – U.S. home prices rose by 6.5% in a year – Read more HERE

Global investors are being urged to remain “cautious and consistent” despite fears over China’s economy triggering a global markets crash – THE MARKETS TODAY AND WHAT TO DO NOW:

Even though the current market fall may seem significant, realistically and historically it is expected, and a good opportunity to buy in at cheaper prices.

– Whilst the situation in China is causing volatility, I do not believe the global economy is in, or entering, a recession.

– Although unnerving for investors, volatility is a regular part of ongoing. There have only been 2 years since 1980 where the S&P500 has not seen corrections of +/- 10% during the year.

– Markets have already seen a partial rebound, and we believe there is an opportunity to rise higher.

Goldman Sachs: why the stock market will move sideways till the end of the year

“Flat is the new up,” Goldman Sachs says. The team of analysts headed by David Kostin are telling their clients that they still don’t think the stock market will do much through the end of 2015…Read More

The recent market crash is “timely” for long-term investors and the global economy, affirms Nigel Green, founder and CEO of deVere Group…Read More




Investment/saving ideas for the week 2 August 2015:

Buying UK property:


Half a million home owners in the UK are ‘property millionaires’ – The rise of property values might be a nightmare for those attempting to break into the market, but for those already in it, it means one thing – gains… Click HERE to read.


Mortgage applications in the UK up 43%, a sign of renewed UK property investment confidence? Read HERE



Investment/saving ideas for the week 3 July 2015:

A new investment era is upon us and investors may need to accept lower returns from property, bonds and the stock market…Read More

London house prices surged by up to 32% last year leaving the rest of the UK trailing in its wake Read more HERE

“Everyone has the brainpower to make money in stocks. Not everyone has the stomach. If you are susceptible to selling everything in a panic, you ought to avoid stocks and mutual funds altogether.” Peter Lynch. Keep calm and click here to read Fidelity’s 10 key messages for investors which may help to ease concerns during periods of market volatility. “If investing is entertaining, if you’re having fun, you’re probably not making any money. Good investing is boring.” George Soros.



Investment/saving ideas for the week 12 June 2015:

Video: Goldman Sachs’ Oil price predictions

Jeff Currie, Goldman Sachs Global Head of Commodities Research, forecasts how low oil can go:

2015: Top 5 cities to invest in property – view HERE
The past few years have been sobering for global property. Falling house prices have torpedoed buy-to-let markets all over the world. But millions of UK investors are still tempted by the dream of buying a property in the sun…



Investment/saving ideas for the week 28 May 2015:

Investment / saving ideas for the week:

Take 120 seconds to watch THIS video about the prospects for equity markets for the rest of this year.

The calm before the storm: UK investors urged to invest overseas following Conservatives’ slender majority
‘Now is the time to think more globally’. This is the message to investors of UK assets. Read more HERE
Homes in prime central London experience largest rise in value
Houses located in prime central London saw the biggest rise in value during Q1 2015, as the area is now outperforming outer prime parts of the capital for the first time in 2 years. Read more HERE



Investment/saving ideas for the week 30 April 2015:

Investment / saving ideas for the week:

UK general election may hurt your wallet – In an article for the Khaleej Times, deVere Group’s international investment strategist Tom Elliott looked into the repercussions of the upcoming UK election on markets, the main issue being… Read More HERE.

UK rental prices continue to grow – Official data shows that UK house price growth is starting to show signs of softening, but the prices paid by renters in Britain are still increasing at a steady pace…Read More HERE. To view our current international property portfolio please go HERE.



Investment/saving ideas for the week 17 April 2015:


International Investment strategist Tom Elliot in this clip HERE from Tuesday’s CNBC he explains why he believes “Greek Exit from the Euro” is probably inevitable.


Some good articles on the new UK pension changes:


Video explaining the UK Pension Changes:

In order to help everybody keep on top of the Pension Changes, Nigel Green has done a short video to make sure everybody is up to date. Click HERE to see the Video


How to prepare for and react to a stock market crash – By Harvey Jones featuring Tom Elliott:

Volatility is a fact of life for investors right now, as one crisis after another threatens stock markets. Tensions in the Middle East, the euro-zone crisis, conflict in Ukraine and the threat of a Chinese property crash are all keeping investors on their toes. Currency wars, plunging oil prices and negative interest rates all confirm that we live in unpredictable times. UAE expatriates are exposed to the financial fallout, because when markets fall so does the value of their investment… Click here to read the full article


Q2 Outlook:

Tom Elliott, International Investment Strategist at deVere Group, provides us with an in-depth Q2 outlook. Tom explains how global stock markets have performed in the first quarter and what they are expected to do in the second quarter…Click to Watch




Investment/saving ideas for the week 10 April 2015:

Market review and outlook for Q2 2015 by Tom Elliott view HERE

Investing into Europe – Some points to consider:

  1. When was the last time Europeans could borrow money so cheaply? 10-year government bond yields have plunged an average of 175 basis points since the second half of 2013 – this should encourage a pickup in consumer spending and corporate capital expenditure
  1. Can you remember when the oil price was as low as it is today? The dramatic fall in the oil price over the last six months has reduced not only the price of a tank of fuel, but also utility bills, providing a much-needed boost to consumer spending
  2. The European Central Bank is printing money – many banks have improved their balance sheets; they have adequate capital and are ready to lend
  3. The Euro is at an 11-year low against the US dollar, which provides a major boost to European exporters. Every 20 cent decline in the Euro is estimated to be worth about 5% in operating profit to European companies
  4. Real wages in Germany recently recorded their highest increase since 2011. Asset prices are, also, rising in Germany and there are signs of a recovery in the periphery. Inflation is low, which provides more support for the consumer



Investment/saving ideas for the week 17 March 2015:

Update on share market portfolio structuring:

  • Increased Japan – as the economy slowly recovers from last year’s consumption tax hike.
  • Increased European equities – earnings are supportive and the region continues to benefit from ECB  QE stimulus measures and ongoing currency weakness.
  • Reduced the US for the first time in two years due to continued dollar strength.
  • Reduced Emerging Markets – US dollar strength, the slowdown in China and weak commodity prices remain challenging.

GBP ended last week at $1.47 to the USD, ending a trading range since early January of $1.50 – $1.55, as USD investors here we should be looking to acquire some GBP in our portfolios now.

Why your UK final salary pension cash could be twice as valuable as other people’s – Read Article HERE



Investment/saving ideas for the week 4 March 2015:

Current portfolio weighting:

I remain biased on shares and cash/fixed interest, the shares mostly being in USA, India and China and maybe also in a portfolio looking at 10% Thailand stock holding too. Majority of portfolios though would have 60 to 70% of cash fixed interest assets that pay a minimum of 8% p/a. India has returned over 10% YTD and a good addition to any ones portfolio for the rest of this year as I think there is still some growth to be had there.



Investment/saving ideas for the week 25 February 2015:

We expect this current stock market rally to continue over the coming weeks, led by the euro zone. Particularly because on Friday we had what appears to be a climb down by the Greek government. The most significant risk to downward market sentiment is from the negative impact of a rise in the US interest rates, possibly only in June though.

Tax avoidance VS tax evasion – Nigel Green insists offshore accounts are legitimate: read about this HERE and HERE



Investment/saving ideas for the week 17 February 2015:

HSBC tax evasion/avoidance issue – I am sure that most people last week saw the news headlines unveiling the accounts held in HSBC’s Swiss operations and stating that HSBC was deliberately helping clients avoid tax. Offshore accounts are not illegal, but many people use them to hide cash from the tax authorities. And whilst tax avoidance is perfectly legal, deliberately hiding money to evade tax is not. Having tax efficiency and adequate tax planning forms part of one’s total wealth and estate plan throughout their lives.

Contact me below to find out more about how to effectively have a solid tax and estate plan.



Investment/saving ideas for the week 11 February 2015:

UK public sector pension schemes:

Those who have ever worked for the UK NHS or been in the British Military, UK Policy or Fire Service or been a teacher in the UK – the UK government is putting a ban on transferring your pension scheme out of the UK come April this year. With a combined deficit looming in the £300 billion mark, it is eminently clear that these unfunded schemes are highly unlikely to ever even pay you a pension in the future. Transferring these out of the UK means that you have far greater access, growth and tax efficiency on your pension and I would strongly advise any reader who this applies to or if any reader knows of anyone, to contact me for a pension report.

Read more about this HERE


Investment/saving ideas for the week 29 January 2015:

Through all our exclusive partnerships with the world’s major banking institutions we get a great deal of market insight, view below this Bloomberg interview with Goldman Sachs CEO Andrew Wilson on the current state of the markets and outlook for 2015.



Investment/saving ideas for the week 23 January 2015:

January is a great time to plan ahead for the year and if not already done so having a financial plan for the year is crucial. You have to plan and be specific if you want to reach your goals. That being said, every non financial goal you may have also usually has to have some form of a monetary backing to achieve it. start by thinking of how much in 2015 you would want to have saved and invested, then work back quarter by quarter, month by month until you know what needs to be done even down to the day to get to this amount.

My views going forward on the markets this year:

If interest rates are to remain low like they are this is good for stock/share growth, so we are likely to see more growth out of the USA (which is not overvalued because of these low interest rates), the SP500 grew by 13% last year. 2015 is likely to be a year driven mainly by political decisions, with the low oil prices being the headlines of the news in recent months, this is likely to remain as the west benefits from low energy costs. South Africa is looking to become more volatile with the Rand also devaluing.



Investment/saving ideas for the week 2 December 2014:

UK Pensions:  The UK pension deficit is growing massively almost every month, with an April 2015 deadline to get your UK civil service pension out of the UK fast approaching, it is more urgent than ever to address this. The Private sector is not much better off, read more HERE about the FTSE 350 companies’ deficit. Please contact me on the below so we can help address this.

Saving Regularly:  Start as early as you can, but it’s also never too late!:  “A new research study has found that more and more UK youngsters are living in poverty. With 34% of 16-19-year-olds, and 29% of 20-24-year-olds, now living below the breadline, young people are – for the first time ever – more likely to be in poverty than pensioners.” Read more HERE



Investment/saving ideas for the week 18 November 2014:


Whereas I would not invest 100% into property for income purposes as there is always a rental default risk (this is very high in Africa) I certainly would invest into property with the aim of making a medium to long term capital gain, but, only if this could be leveraged using a mortgage with decent loan rates of under 5% p/a. This is unfortunately not achievable in Zimbabwe but with increased willingness of international banks to lend to Zimbabwean residents purchasing property in developed markets it’s an absolutely fantastic time to be exploring this avenue.

We have recently, since 2014, come to an agreement with an international property investment firm ( and an international mortgage brokerage to be able to offer clients globally this very opportunity. Since 2013 we have as a group invested nearly $100 million into the global property markets in New York City, London, Perth, Melbourne, Brisbane, Chicago, Miami and now launching in Manchester, Brooklyn (NY) and Berlin too.

Please contact me for more information on this.



Investment/saving ideas for the week 4 November 2014:

UK pensions: a notice to all who have ever worked in the UK, especially for Civil Service, Local Government, NHS, Military, Police, Fire Service etc. In April next year you will not be allowed to make any changes to your UK pension and will be stuck with limited benefits and UK taxation. You have the chance now to find out how much your UK pension is worth and what options you legally have, please contact me directly to find out! The UK civil schemes are £200 billion underfunded and hold NO assets, there is no guarantee that you will even get your pension when you are due for it.


Investment/saving ideas for the week 27 October 2014:

Our position on the how to have your portfolio structured in the current market:

  • Majority shares/stocks, particularly US – solid growth is better than in other regions.
  • Remain minority in commodities, as China’s economy continues to slow despite stimulus.
  • Minority government bonds – expect poor returns as central banks normalise but a lack of inflation means rate hikes.



Investment/saving ideas for the week 20 October 2014:

Market outlook:

Volatility has been stable over the last 2 years, thanks to an improving US economy – the outlook for the US remains favourable despite jitters over interest rates.

Since 1950, the USA’s S&P500 index has declined more than 13% over a three month period on 24 occasions – over 60% of the time , the market has rebounded by more than 20% in the following year.

Time in the market beats market timing – the best days in share markets often tend to occur during times of high volatility, yet investors are often scared into selling during periods of market weakness, which can seriously damage their long-term returns.

In short, when markets are down temporarily in a bull market, it’s a great opportunity to purchase more – at a discount.



Investment/saving ideas for the week 26 August 2014:

Start saving the day you start working – Acuma deVere financial planner, Natalie Storey, talks to The National

Natalie Storey, 28, is a senior financial planner at Acuma Independent Financial Advice, and a great believer in starting your savings journey early. “I like to buy myself and others nice things but I know where I want to be in the future and what I need to do to get there” … Read More HERE



Investment/saving ideas for the week 19 May 2014:

Inheritance Tax targets everyone, so plan ahead! – Nigel Green  click HERE to read more



Investment/saving ideas for the week 4 May 2014:

Fidelity International’s view on the US markets for 2014:

“We believe the US market is going to break out strongly on the upside from its current position. Positive outlook for both liquidity and earnings. In our view, we are in the midst of a bull market and in a bull market you buy the dips. We believe the S&P 500 could move to 2,000-2,300 from its current level of 1,800, a gain of +27%”




Investment/saving ideas for the week 7 April 2014:

A Quarter 1 review and outlook of global markets:

In this video deVere Group’s international investment strategist, Tom Elliott, provides delegates from deVere United Kingdom with a thorough analysis of the global economy. Tom explains how economists have been disappointed with a broadly flat market throughout Q1, compared to the strong growth experienced towards the end of 2013. In the second half of the video, Tom provides an in-depth outlook for Q2 … Click to watch


Investment/saving ideas for the week 31 March 2014:

Looking after your own financial future:

In a recent finding from the UK’s office for national statistics it was found that the number of people in the UK living beyond the age of 100 has risen by 73% in the last 10 years. People are living longer and it is becoming more and more difficult for companies and governments to financially sustain this. The UK’s public sector pension debt has escalated staggeringly by Billions of Pounds each year. There is more and more need for individuals to look after themselves and inevitably there is going to be a massive sustainability shortage. As we have seen in Zimbabwe we can surely not rely on any local institution with our wealth preservation. My constant advice to all our clients is to save an absolute minimum of 10% of your net household income for your personal future into a secure asset/platform or savings plan.



Investment/saving ideas for the week 24 March 2014:

UK Budget 2014:

–          Highlights:

–          Reactions:



Investment/saving ideas for the week 17 March 2014:

US expats forced to seek new investments, give up passports under new tax law:

A restrictive law originally drafted to counter tax evasion has forced a growing number of US expats to look for different investment options…Read More:

Investment/saving ideas for the week 10 March 2014:

European Outlook – investment growth opportunities:

US investors bought a record $23 billion of European shares in December, bringing US annual net purchases to $126 billion – higher than the last peak achieved before the financial crisis in 2007.

–          European equities remain attractively valued compared to other developed markets.

–          Signs of a European economic recovery are broadening.

–          Strong balance sheet of many EU companies suggests a strong possibility of market-supportive corporate activity in Europe.

Investment/saving ideas for the week 3 March 2014:

Still very optimistic on US markets: Goldman Sachs Asset Management’s Managing Director Katie Koch spoke to Bloomberg Television to discuss the worldwide economic outlook and her investing strategy. She explained why she was still very optimistic on US equities. Koch also highlighted Japan as another equity market that she was extremely positive about for 2014. On emerging markets, she reiterated that all clients needed to have some exposure to the markets, “This is still going to be the century for emerging markets, but they’re not going to win every year.”

Investment/saving ideas for the week 24 February 2014:

Market growth and direction:

Looking at US stock markets, falls of 5% or more occur on average 3 times a year (using data going back to 1928). The S&P 500 6% fall from its mid-January peak has been long overdue – the last such fall was in June 2013, the only one of that year. Investors that believe the US recovery is on track, may view such falls as good buying opportunities. In January, the economic data was disappointing, which explains the fall in equity markets over the month. I remain confident that the longer-term US economic recovery remains on track.

Investment/saving ideas for the week 17 February 2014:

Banking: this week I would like to highlight the fact that far too many people are storing up cash in banks and therefore are losing great amounts of potential value. Whether you bank locally, abroad or both, it is important to ensure that you do not keep more than what is needed for emergencies or immediate planned purchased in cash. Inflation in Zimbabwe is high and therefore the value of your cash depreciates dramatically year on year. Think of the price of goods 1 or 2 years ago compared to now, the difference is far greater than a few percent a year. This is a major issue we face in Africa generally. The only way to get around this is investment, varying between long, medium and short term according to your needs and access requirements. I always advise our clients to keep no more than 3 to 4 months of your living capital in cash (including your monthly savings). The rest should all be invested.

Investment/saving ideas for the week 10 February 2014:

Tom Elliott, deVere Group’s international investment strategist, took part in two interviews for South African media during the past few days.

In a radio interview with Cape Talk, Tom spoke about bullish analyses of the stock market. The interview is now available as a podcast.

He also carried out a TV interview with CNBC Africa, where he also discussed whether investors are right to be wary of bullish stock market analysts.

Investment/saving ideas for the week 28 January 2014:

Investment in Australia:

I know that a lot of people in Zimbabwe either have cash in bank accounts, property or other financial assets such as shares and unit trusts/funds in Australia. I have highlighted the key advantages and disadvantages of this.


–          Security

–          Stable Currency


–          Poor access

–          Little or no service

–          Time difference which adds to difficulty in contacting your service provider and vice versa

–          High levels of taxation

–          Investment choice is limited

–          Interest rates are low and have been dropping from 4% to 2.5% currently, over the past 2 years. Considering that the inflation rate is 2.7% and banks don’t give more than 4% interest, GROSS!

Key examples I have come across is a lot of people in Zimbabwe get trapped into investing money into Australia because they think it is secure, however if you look at for example LM investment management there which went under last year, investors have lost all of their money, and Australia is supposed to be a highly regulated market? Speculation is concerning as this should never have been allowed to happen. Consider on the other hand the fact that in history no offshore life company has ever gone out of business, and has major tax advantages for international investors.

Investment/saving ideas for the week 20 January 2014:

Further to my message/report last week, more info on our outlook into African investment opportunities:

In this video Tom Elliott, International Investment Strategist for the deVere Group, tells us about investment opportunities in Sub-Saharan Africa….Watch here

Investment/saving ideas for the week 13 January 2014:

I trust that everyone had a fantastic festive season and I wish each and every one of you the best and most successful 2014. I asked our international investment strategist (formally a director of JP Morgan), Tom Elliot, to do a write up on Investment into Southern Africa, his findings below:

Investing in sub-Saharan Africa

By Tom Elliott

We currently hear a lot of talk about sub-Saharan Africa, and the huge potential for investors.  But can the continent deliver to a portfolio investor over the coming years?…Read More

Investment/saving ideas for the week 2 December 2013:

Britain’s state pension is the second-worst in the developed world, with the UK losing out the bottom spot only to Mexico. A study by the Organisation for Economic Co-operation and Development (OECD) showed. Any readers with UK private or company pensions please contact me to help you transfer them out of the UK. The pension system there is getting worse and worse!

The Japanese Stock Market: In this video Tom Elliott, International Investment Strategist for the deVere Group, discusses the health and performance of the Japanese economy…Watch here

Investment/saving ideas for the week 18 November 2013:

Working out how much cash you should keep: I believe that it is good advice and practice to keep roughly 3 months worth of your monthly average living costs in cash, as well as anything you plan to buy or spend for the coming year. For example: if it costs you $2,000 a month to live and in 2014 you plan to go on holiday twice which will cost you $5,000. You also plan to buy a new car for $10,000. Therefore the maximum cash holding you should have will be $21,000. Anything above this should be invested to not lose out on inflation growth. This $21,000 can even be placed on short term deposit on 30 days. So whereas its good to have emergency money and access, it’s also equally not as good to keep any more than that in cash, wasting away. To find out more about how to preserve wealth and maintain access, please contact me on the below.

Investment/saving ideas for the week 11 November 2013:

University Education: the average rise in university education fee’s on a global scale is 7.5% per year. And considering the fact that to educate 1 child a year in the UK, Canada or Australia costs anywhere from $25,000 to $35,000 today (including living expenses and travel). Now think about that cost today multiplied by 7.5% each year until your children start university. Also consider the fact that the average salary does not increase by that much a year. It is more important now than ever to save money for your children’s education. Is the greatest gift you can give your kids in your lifetime not the best education your money can by them?

Investment/saving ideas for the week 4 November 2013:

For the first time since the recession, more people are choosing to make purchases on credit. The return of the ‘buy now, pay later’ mentality is being taken as a sign of improving consumer confidence. This does drive markets up and economies into growth however if debt is not managed correctly is can be more of a negative. In Zimbabwe the typical household does not have any debt, yes it may slow growth for companies because loans are expensive in Zimbabwe but for the average person I think that it is a good thing to not have access to easy credit. By human nature we tend to spend more than we can afford, and this credit costs us more than we can afford to pay it off. Debt is good if it is used for investment/growth, but bad if it is used to buy something you cannot afford to pay for.

Investment/saving ideas for the week 28 October 2013:

A Standard Life-sponsored study has revealed the high importance of understanding emotion when discussing financial issues with clients: “We know that people can feel all kinds of emotions when they think about saving for the future, from anxiety and hopelessness, to optimism and security, and how they approach their savings is an important factor,” said Roy Halliday, chief executive of Standard Life. The study revealed of those who take control and check their finances every month, almost half (47%) feel confident about their financial future. However, of those who never check their finances, a meagre 4% feel confident. More than half of people saving for the future feel optimistic, compared to just 20% of those who are not saving for the future. Conversely, only 25% of savers felt pessimistic compared to 44% of non-savers.

Investment/saving ideas for the week 21 October 2013:

The basic UK state pension will rise by only £2.95 a week as of April 2014 to £113.  With the debt that governments are in on a global scale it is more important than ever to invest for your retirement, not relying on companies or governments for this either. The UK pension system has a deficit of over £250 billion, which is constantly increasing. How can one expect to live off £113 a week? Start investing for your retirement now. No matter your age.

Investment/saving ideas for the week 07 October 2013:

Life Cover: there are 2 types of life cover one can take out, life insurance and life assurance. Life insurance is really for emergencies, death, accidents etc. You pay a premium and IF anything happens you get the sum insured. Life assurance is more like a savings plan, you pay a premium and you get the premium back plus growth. I always advise people to have both, especially when they are just starting to save. It should balance out as you get older and build up more wealth. For example: young father of age 35 starts saving for his retirement, he needs a high level of life cover for his family incase anything happened to him, so his family could be left behind with an income. This life cover would also have low premiums because of his young age. Next example: older father of age 55, children out of university. He has a decent bit of wealth saved up over his life, however his life cover premiums are high. In this regard one would not need that much life cover as you should have a lot of savings by then for your family. It makes more sense to place the premiums of the life insurance into your savings – still have cover, but accident insurance and critical illness insurance. Please contact me for more information on the above.


Investment/saving ideas for the week 23 September 2013:

Looking at the exchange rates if you had purchased GBP a few month back when it was at $1.5 it is a good time now to start looking at selling back or buying USD from GBP with the rate quite stable at $1.6 to the pound. Referring to the above: “A survey by HSBC found that one in five Britons fear that they will never be able to afford to properly retire from work because of shortfalls in their pensions and savings.” This figure I think is significantly larger in Zimbabwe, all the more reason to ensure that you save and invest for your retirement and for the future of your family.

Investment/saving ideas for the week 16 September 2013:

What’s in store over the longer term? Taken from Jeff Hochman, a Fidelity International Director, he outlines his views about what’s in store over the next 3 to 5 years.

Among equity markets, the US still stands out positively: US, UK and European equities remain in technically defined bull markets, and should continue to prosper over the next 3 to 5 years, albeit the rate of ascent is likely to slow overall. Within global equity markets, the US continues to standout with the recovery there expanding.

Gold likely to be range bound: In the past few weeks, gold prices have bounced back a little. It would be surprising if prices were to push up above the $1500-1550 level any time soon. If anything, a test of the $1050/1100 levels appears more likely in the intermediate term unless inflation unexpectedly rises and stays elevated.

Some important risks to bear in mind: An unanticipated rise in inflation owing to the mass of central bank money printing underway.

A little bit more market related this week but in summary: established markets set to rise, gold to remain directionless and inflation to rise. Another reason why your cash in the bank should be wisely invested, as it is certain to lose more and more value now.

Investment/saving ideas for the week 9 September 2013:

UK pensions: this week I want to highlight the importance of reviewing your UK pension if you have ever worked in the UK. The pension system is in deficit by over £250 Billion and the NHS (national health service) and MOD (ministry of defence) are the biggest culprits. They are both government schemes meaning that they actually do no hold any assets, they are directly funded by tax payers. The NHS has a liability to its pension scheme by £247 billion. All of which is supposed to be funded by the British tax payer? The bleak reality is that this deficit will never be filled and the people who are going to be affected the most is the pensioner, the people who worked all their lives will end up receiving nothing. The British Government cannot just create 250 billion pounds, they have bigger priorities and depts. Please contact me to help you get a pension assessment and see if you can in fact get your pension out of the UK before it’s too late.

Investment/saving ideas for the week 2 September 2013:

Looking at the global situation with regards to the heat in Syria, there is most likely going to be a sell off in shares and bonds in established and emerging economies. I believe this is a great buying opportunity. Gold will benefit from this fall in the equity market and should help bring it out of its decline.

Investment/saving ideas for the week 5 August 2013:

Emerging Markets – consider the demographics and the geographic consumption, for example: in Mexico, the average person consumes 348 litres of soft drinks a year. The equivalent figure for India is just 9 litres. In China, the average consumer bought 29 items of clothing in 2012, compared to just 9 items in Mexico. There is still great opportunity for investment in the more established emerging markets (the BRICS – Brazil Russia India China South Africa), however the new focus is on what Goldman Sachs terms “the next 11” (, (

Investment/saving ideas for the week 29 July 2013:

Inflation: something we all take for granted. It erodes the value of your money, I believe that no one should have anything more than 3 months worth of living capital in cash at any one time as you are losing the value of your cash to inflation on a consistent basis. The only way to avoid the effects of inflation is to invest your cash into real assets such as shares, bonds, commodities, money market/deposits, property etc. and then a good spread of these asset classes too.

Example: John, has £10,000 in his UK account. He believes it is secure and the best place for his cash at the moment. Fact: the UK’s average inflation over the last 5 years is 3.5% so therefore John loses £350 each year to inflation. John may as well withdraw £350 in cash every year and throw it in the bin because realistically that is what is happening to the value of Johns money. John needs to find an asset that is going to give him a return of 3.5% p/a or greater to ensure the value of his money stays at the same level every year.

Investment/saving ideas for the week 22 July 2013:

£824 a MONTH: The shocking cost to save for a decent pension.–the-cost-to-save-a-decent-pension-125856156.html

Investment/saving ideas for the week 8 July 2013:

Retirement/financial security: Something all of us would obviously like to enjoy, what we do about it today determines how soon or how good it can be. Remember to consider the fact that inflation is always present, the cost of living always rises, and in Africa the rate is higher than most other developed countries. This means that we have to work harder for longer, or save more for the future now. Every person on this planet I believe should pay themselves first, the first (minimum) 10% of your net income should go towards your personal retirement and financial security goal(s).

Investment/saving ideas for the week 1 July 2013:

Educating your children: obviously this falls as a priority to every parent, but do you really take into account how much your children cost you? How much money do you save and invest for their education each month? It’s important to consider the fact that fee’s rise every year, and more often than not, as a percentage, more than your salary does. However by simply saving money you therefore are actually going backwards, you need to have your investments for your children growing at least 5 to 10% average each year to keep up with fee inflation.

“The Universities and Colleges Admissions Service announced that the number of students applying for university studies is still well below levels seen before tuition fees trebled.“

Investment/saving ideas for the week 24 June 2013:

Pay yourself first! The first 10 to 30% of your income should always be reserved for your retirement and personal investments. Have your savings debit off a few days after you get paid or aim to put it away somewhere safely.

Investment/saving ideas for the week 17 June 2013:

Debt Management: clear as much of it as possible! Check how frequently your loan repayments are calculated (monthly quarterly annually etc) and make sure you know if there are any early repayment charges.

Ensure you always have at least 3 months worth of living money accessible at all times for emergencies and the day to day unknown expenses.

Investment ideas for the week 10 June 2013:

A buy into the FTSE100 (UK main market) at current level of 6400 with target 6900. 1 to 3 month strategy.

I still remain bullish on buying into Rand from GBP or USD. It may however be a longer than anticipated investment approach with Rand still weakening.

Use the “Mercedes Principal” in life- 1 third of your income used for living, 1 third used for spending/holiday and 1 third used for saving/investing!


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