The Investor March 2017

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 Financial security means never again having to worry by Richard CluverFinancial security means never again having to worry about how you are going to pay the household bills at the end of the month and never again having to worry about the financial implications of a family crisis. It also offers you the freedom to […]


The Investor February 2017

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 Watch out for market turbulence aheadImagine a world without politicians: its coming!by Richard CluverAt home and abroad the world is re-shaping itself into something the scholars have barely prepared us for. We stand at the start of the post industrial age; a new era set to redefine how we think about everything from economics to […]


The Investor January 2017

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Time to re-think the way we run our monetary systemby Richard CluverWe humans are an odd lot who compartmentalise our lives into blocks of years and then measure each one as if they can be put away in a drawer and forgotten while we take out a shiny new one that is full of promise. […]


The Investor December 2016

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The odds favour a difficult year aheadby Richard CluverIt is customary at this time for writers to try and probe the future, listing the hurdles and pitfalls that lie ahead and, hopefully the green shoots of promise that might offer better times than we have currently been experiencing.So let us begin by noting that we […]


The Investor November 2016

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In search of growthby Richard CluverFaced with the dilemma of capital gains taxation killing off share portfolio growth, because the implied tax consequences result in long-term investors being effectively blocked from selling underperforming shares, we have been investigating whether a unit trust could be created which could do as well as the virtual portfolio which […]


The Investor October 2016

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Could the bull market end by nigh? The way ahead for share market investors has been troubling enough coping with a stagnant South African economy and the impact of Zupta machinations that have sent the Rand reeling. But now there is a fresh problem looming; the likely end of the longest-running bull market of modern history.If […]


The Investor September 2016

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Trusts in SARS sightsby Richard CluverFinance Minister Pravin Gordhan has long signalled his dislike of trusts which, he has made clear, he regards as devices employed by the wealthy to avoid taxes. And if proposals forwarded to the minister by the Davis Commission in July are brought into law, the financial position of trust beneficiaries […]


The Investor February 2016

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  Turning the screws on investorsby Richard CluverThough most ordinary folk were relieved that Pravin Gordhan’s latest budget did not deliver the pain and suffering that most had expected, the sting was in the tail when he announced yet another increase of capital gains taxation.The announcement raises the maximum effective capital gains tax rate for individuals […]