Citadel Investment Services Proprietary Limited is an authorised financial services provider.

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.

DOWNLOAD PDF

04 Dec 2018 THE RECESSION IS OVER – SWITCH ON THE LIGHTS +

With a positive growth figure of 2.2% for the third quarter of 2018, the technical recession is over says Citadel Chief Economist and Advisory Partner Maarten Ackerman. Further growth has been seen in the manufacturing and agriculture sectors which is particularly positive for the economy, as these sectors are key to creating more inclusive growth and jobs.

DOWNLOAD PDF

29 Nov 2018 CITADEL’S REMARKABLE ACHIEVEMENTS: 25 YEARS AND R50 BILLION IN ASSETS +

2018 has been a big year for Citadel. As we celebrate our silver jubilee – twenty-five years of managing wealth and assisting our clients – we have also reached the R5o billion assets under management and advice mark.

DOWNLOAD PDF

20 Nov 2018 GLOBAL FINANCIAL CRISIS HANGOVER MAY RETURN TO HAUNT INVESTORS +

It’s been over a decade since the start of the Global Financial Crisis (GFC), and markets have rebounded spectacularly in the years that have followed. However, investors would be wise to brace for a bumpy road ahead, as the debt overhang that sparked the worst economic disaster in modern history has yet to be resolved.

DOWNLOAD PDF

12 Nov 2018 TENCENT – NOT JUST A DIME A DOZEN +

Since Naspers, the JSE’s highest market cap stock, announced in March that is was to reduce its holding in Tencent by 2%, the Chinese tech company has received considerable attention. Notably, Tencent shares have lost a third of their value so far this year. Citadel Portfolio Manager Nishlen Govender answers a key question on Tencent ‘is this just another Chinese company with a lot of promises but lacklustre deliver?’

DOWNLOAD PDF

24 Oct 2018 MTBPS: A TO-THE-BONE HONEST BUDGET +

It was clear going into this Medium Term Budget Policy Statement (MTBPS) that it was going to be much tougher than previous years, simply because economic growth and tax revenues are so much worse than had been forecast. Economic growth expectations for 2018 have been halved from 1.5% in the February Budget Speech to 0.7% now. Despite this, Citadel Chief Economist and Advisory Partner Maarten Ackerman says the speech sends a reassuring message of fiscal discipline and an indication of a stronger future.

DOWNLOAD PDF

16 Oct 2018 WEALTH CREATION: THE “REAL THING” +

Understanding each of your options in your journey of wealth creation will set you up well for achieving your goals. Getting the mix right creates the “the real thing”, the ideal wealth creation formula. Citadel Advisory Partner Riaan Campbell shares his insight on wealth management, and the various choices that drive real wealth creation.

DOWNLOAD PDF

10 Oct 2018 RATINGS AGENCIES LIKELY TO VIEW MBOWENI AS “CREDIT POSITIVE” +

The appointment of Tito Mboweni as the new Minister of Finance is likely to be viewed as a positive by credit ratings agencies and markets, placing South Africa in excellent stead for reigniting economic growth and investment, says Citadel Director and Chief Investment Officer George Herman.

DOWNLOAD PDF

02 Oct 2018 MAKING FRIENDS OF ENEMIES, AND ENEMIES OF FRIENDS +

The policy response to the 2008 Global Financial Crisis set in motion the geopolitical trends that would eventually see the pivot from leaders such as Obama, Gordon Brown and Angela Merkel to the populism of Trump and Brexit. Quantitative easing may have restored economic and market strength, but this came at the expense of creating greater inequality within countries thus sparking the trend towards rising populism and introducing major risks and uncertainty to the global economic environment.

DOWNLOAD PDF

28 Sep 2018 WOMEN’S FINANCIAL SURVIVAL GUIDE TO DIVORCE +

Facing the breakdown of a marriage can be extremely painful emotionally, but with the right knowledge and planning, it needn’t be financially devastating as well, says Citadel Advisory Partner Kirsten Smit. With this mind, Kirsten provides six key tips for women to successfully navigate the process of untangling their finances from a partner.

DOWNLOAD PDF