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22 Aug 2019 HOW TECHNOLOGY IS CHANGING THE WEALTH MANAGEMENT INDUSTRY +

One of the most significant trends in the wealth management industry in recent years has been increasing adoption of technology as both a facilitator and a driver of growth. Citadel CEO Andrew Möller points in particular, to the emergence of automated investment services that make use of artificial intelligence (AI) has given rise to the provision of automated or “robotic” advice (robo-advisors) that help to democratise the industry and provide access to a far larger proportion of the population than before.

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30 Jul 2019 CASH IS NOT THE SAFE HAVEN YOU MAY THINK +

From Trump’s trade wars and the looming threat of a credit rating downgrade in South Africa, rising waves of political and market volatility have left investors wondering whether it wouldn’t be better to keep assets safely tucked away in cash. Citadel Advisory Partner Daryl Coker advises that whilst cash is a traditional safe haven - it offers safety from volatility but not inflation.

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22 Jul 2019 PASSIVE VERSUS ACTIVE INVESTING +

It’s believed that the choice between passive versus active investing is a simple one to make, however in reality there should never be a binary choice between active or passive investment vehicles as the sole solution to your investment needs. Citadel Chief Investment Officer George Herman says it’s important to understand the arguments surrounding passive versus active investing, and why, despite the growing popularity of passive products, there should always be room for active investments in your portfolio.

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10 Jul 2019 WHAT TO DO (AND NOT TO DO) WITH A FINANCIAL WINDFALL +

Who hasn’t dreamt of receiving a sudden cash windfall? However becoming instantly rich, or even receiving just a healthy boost of cash, can bring many more problems than it solves, warns Citadel Advisory Partner Anelisa Mti. Mti offers six suggestions of what to do to avoid the pitfalls of landing a windfall, to ensure that you are able to maximise the opportunity to provide for your retirement and leave a legacy.

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25 Jun 2019 ARETHA FRANKLIN’S THREE WILLS AND THE DANGERS OF DIY-ING +

It may be tempting to “DIY” your will in order to cut costs, but if the latest developments regarding Aretha Franklin’s estate teaches us anything, it should be the dangers of delaying or cutting corners in drawing up this vital legal document, cautions Citadel Fiduciary Managing Director Hilary Dudley.

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04 Jun 2019 GDP HORROR SHOW +

The latest GDP figures from Statistics South Africa indicate that the economy has shrank by -3.2% quarter-on-quarter (seasonally adjusted and annualised) – the biggest plunge since the 2008 global financial crisis, and the second highest drop seen in over two decades. Citadel Chief Economist and Advisory Partner Maarten Ackerman says ‘This decline was twice the number anticipated by general consensus, and almost immediately saw the rand shed another 20 cents against the dollar, touching R14.60/$, while bond yields rose by nearly 15bps.’

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14 May 2019 THREE KEY POST-ELECTION INVESTOR ISSUES THAT RAMAPHOSA NEEDS TO ADDRESS +

With the elections now largely behind us, investors’ focus will shift to President Cyril Ramaphosa’s ability and political will in addressing issues of concern, namely: the composition of cabinet to be announced on the 28th of May, transforming the economy with the promised policy reform and resolving the problem that Eskom poses to South Africa. Citadel Chief Economist and Advisory Partner Maarten Ackerman discusses the three critical post-election investor issues that our president needs to address.

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29 Apr 2019 ARE YOU FINANCIALLY READY FOR YOUR NEW ARRIVAL? +

As newly expectant parents, the months preceding the arrival of a child are both incredibly exciting and busy. And between preparing your child’s room and stocking up on toys, clothes and nappies, it can be difficult to turn your mind back to the question of ensuring that you are financially prepared for the new addition to your family. However, Citadel Advisory Partner Anelisa Mti notes that if you want to avoid being caught out by any hidden surprises or expenses down the road, the sooner you adjust your budget and update your financial plan, the better.

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17 Apr 2019 TIRED OF ASPEN? WE HAVE A DRUG (COMPANY) FOR THAT +

Citadel Portfolio Manager Nishlen Govender provides a critical analysis and industry challenges faced by global drug company Novo Nordisk, one of the largest insulin providers in the world.

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10 Apr 2019 TAKE CARE OF YOUR PASSIVE INCOME +

Many investors see income investing as the key for living a life of leisure while still keeping the money or “passive income” rolling in. But income investing is far from passive, and without the right advice and planning, unsuspecting investors and retirees could soon find themselves depleting their capital base rather than enjoying the fruits of their labour, notes Citadel Advisory Partner Riaan Campbell.

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