Previously know as Questions and Answers, The Investor deals with general investment questions put forward by its readers and offers other useful advice. It is available free of charge by email each week by inputting you email address on our home page. Back-issues from January 2012 and onward can be found here in PDF form. From before January 2012 to 2009, you will have to send an email to support@rcis.co.za requesting a specific copy. Before that they were not available as PDF.

While Richard Cluver makes every effort to reply in this column to all email queries, it is not always possible to immediately reply to every one, particularly to those that might not be of general interest to all readers or which might require a long and complicated response.

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https://ggc-mauldin-images.s3.amazonaws.com/uploads/newsletters/IMAGES_1_20190823_TFTF.png The Investor September 2019

By Richard Cluver September 2019 No matter what your current income is nor what assets you own, the chances are that you have never felt truly wealthy nor have you ever enjoyed a comfortable surplus of income over monthly expenditure. I have put this question to so many folk I know who demonstrably enjoy a […]


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https://ggc-mauldin-images.s3.amazonaws.com/uploads/newsletters/Image_2_20190816_TFTF.png The Investor August 2019

By Richard Cluver       August 2019Stepping outside South Africa as I frequently do these days has helped me to shape a world view that is deeply distressing. No matter where one travels the current public attitude is one of steadily deepening contempt for political parties and leaders who are demonstrably failing to put their […]


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https://ggc-mauldin-images.s3.amazonaws.com/uploads/newsletters/IMAGE_1_20190517_TFTF.jpg The Investor July 2019

By Richard Cluver If you could guarantee that your grandchildren would be as beautiful as movie stars, free from all inheritable diseases and as bright as Nobel prize winners, would you be prepared to invest a few thousand Rands to make it happen? More to the point, if you or someone close to you is […]


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https://ggc-mauldin-images.s3.amazonaws.com/uploads/newsletters/Image_10_20190426_TFTF.png The Investor June 2019

By Richard Cluver On a list of the five questions we are most asked, inevitably one is “How much money do I need in order to be able to retire?” If you want a snap answer I will say R12-million. But of course the true answer is dependent upon so many variables that this amount […]


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