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12 Jul 2017 FINANCIAL ADVICE FOR MY TEEN SELF +

It is so easy to spend money and have very little to show for it. When you're "in the moment" it is even harder to imagine that the few cents that you have can be stretched far enough for you to be anything but frivolous with it.

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04 Jul 2017 WHERE THERE’S A WILL… +

Hilary Dudley talks about her late father used to recount the proverb “Where there’s a will…” not with the time-worn ending “there’s a way” but with the more jaded version “there’s a fight”.

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20 Jun 2017 BEING AN OPTIMIST IN TRYING TIMES +

Citadel Director John Kennedy talks about why he’s optimistic, adding, “When I joined Citadel in 2001, I learnt a fundamental lesson that is integral to our thinking as a business and our approach to financial planning and investing: the future will surprise.”

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20 Jun 2017 ECONOMY MAY BE BAD, BUT IT’S NOT ALL DOOM AND GLOOM +

The release of the South African Reserve Bank’s latest quarterly bulletin confirmed what we know already: South Africa has entered a technical recession during the first quarter of 2017 – largely on the back of a very weak consumer base.

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13 Jun 2017 USING AN UMBRELLA FUND? SET UP A MANAGEMENT COMMITTEE TOO +

Over the past decade we have seen a progressive migration from “stand alone” group retirement funds to “umbrella fund” participation, in a drive to reduce administration charges through economies of scale. But oversight of a scheme remains important.

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13 Jun 2017 CALCULATING AN INVESTMENT’S INTERNAL RATE OF RETURN +

You may have heard of a return on investment, but have you ever heard of an investment measure called the internal rate of return?

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06 Jun 2017 FORGET ABOUT TECHNICALITIES +

Maarten Ackerman, Citadel Advisory Partner and Chief Economist, says that South Africa has been in a recession for the past few years already.

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01 Jun 2017 PRESERVE YOUR RETIREMENT SAVINGS +

Citadel Regional Head, Paul Leonard, CFP®, looks at the significance of compounding with regards retirement savings, and the importance of preserving these savings when changing jobs.

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24 May 2017 SOUTH AFRICA: THE "WAIT-AND-SEE" ECONOMY +

South Africa has seen little growth these past few years, leading some to label it the "wait-and-see" economy. While the world's economy grew slightly more than 3% last year, South Africa clocked growth of just 0.3%, largely due to embedded structural issues weighing on potential growth. Indeed, in recent years South Africa's growth has fallen further and further behind its global peers.

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18 May 2017 WEALTH TAX +

On 25 April 2017 the Davis Tax Committee (DTC) released a media statement calling for written submissions on the possible introduction of wealth taxes in South Africa. This is a contentious topic, coming at a time when government is calling for "radical economic transformation".

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