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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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18 Mar 2019 NEW UPDATE TO “EXPAT TAX” IS ULTIMATELY FAIR +

On 1 March 2020 the amended section of the Income Tax Act concerning the foreign employment income exemption comes into effect. This so-called “expat tax” has caused concern among South Africans working abroad who currently pay no tax if they meet certain criteria. But, from next year, only R1 million of this income will be exempt from tax here. Citadel Fiduciary Managing Director Hilary Dudley explains why the proposed change is ultimately fair.

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05 Mar 2019 AN ANALYSIS OF THE Q4 2018 GDP RESULTS +

The GDP growth numbers are encouraging given the tough environment that we have just emerged from. Given that we came out of a technical recession in 2018, the turnaround to see positive growth for the full year is heartening. And while it may still not be enough to address many of our structural issues, the positive signs are likely to keep the rating agencies at bay’, says Citadel Chief Economist and Advisory Partner Maarten Ackerman.

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28 Feb 2019 THE EVOLUTION OF FINANCIAL ADVICE +

There are essentially three key metrics by which to judge the value exchange between clients and advisors: service, pricing and performance. The mix of the three speaks to the quality of the advisor and investment solution. However, Citadel Chief Executive Officer Andrew Möller cautions that changes in the regulatory environment and in the psyche of investors since the 2008 Global Financial Crisis (GFC) have changed our understanding of these three metrics, and introduced a number of new factors by which to measure advisors’ value propositions.

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20 Feb 2019 2019 NATIONAL BUDGET SPEECH COMMENTARY +

This was always going to be one of South Africa’s toughest budgets with enormous pressure on government resources in an extremely difficult economic environment. Under the circumstances, relatively new Finance Minister Tito Mboweni can be praised for his disarming honesty and openness about the vast challenges that Treasury faces. Unfortunately, however, this cannot make up for the constraints currently being confronted.

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28 Jan 2019 PRESERVING WEALTH ACROSS GENERATIONS +

Many wealthy families seldom see the transition of their wealth beyond the second and third generations. Citadel Director John Kennedy discusses the most effective ways to preserve assets and have governance structures in place to protect them.

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16 Jan 2019 FIVE SAVINGS TIPS FOR WOMEN IN THEIR TWENTIES +

Citadel Advisory Partner Anelisa Mti says that with the cost of living on the rise, it is vital that women become proactive about managing their personal finances and saving as early as possible if they are to achieve their financial goals, whether these be studying further, travelling, saving for a deposit on a home or even saving towards a comfortable retirement.

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07 Jan 2019 IS THE EQUITY PARTY OVER? +

The cracks may be starting to show in the ten-year equity bull market, but does this mean that the cycle is now over?

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12 Dec 2018 TOP SEVEN MONEY-SAVING TIPS FOR FINANCIAL SUCCESS IN 2019 +

With the excesses of festive season spending behind you, the New Year represents the perfect opportunity to whip your finances back into shape. To assist, Citadel Advisory Partner Daryl Coker lists seven simple money-saving tips to begin your 2019 on a positive note.

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