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So far Ternary has created 52 blog entries.

National Budget Speech: Changes in tax for the 2021/2022 year of assessment

The Minister of Finance, Tito Mboweni, delivered the national budget speech on 24 February 2021. The budget speech brought some tax relief for individual taxpayers as well as companies. Aspects which will have an impact on individuals are: Income Tax: Individuals and Trusts The personal income tax brackets and tax for special trusts were increased [...]

By |2021-03-18T09:56:51+00:00March 18th, 2021|

What must I do about my monthly debit order?

We are all concerned right now and rightly so. Both local and global markets are down more than 20% over the last quarter and many investors are concerned with their investments. Any drastic changes now, such as disinvesting or moving to cash, can have a damaging impact on long-term wealth accumulation prospects. These types of [...]

By |2020-04-07T12:00:11+00:00April 7th, 2020|

The season for saving

  With 2020 nearly upon us, with all the excitement and anticipation of both Christmas and the New Year, it may behove us to remind ourselves how important it is that our bonuses and salaries be judiciously used. Saving for retirement should be one of our top priorities and should be front of mind before [...]

By |2019-12-12T09:46:17+00:00December 12th, 2019|

Why would you have a Testamentary Trust in your Will?

  A Testamentary Trust is one which is formed as a result of an instruction in your will.  The Trust Deed of the Testamentary Trust is therefore your will, and you need to ensure that your instructions to your Trustee are therefore clear and unambiguous. The predominant reason for a Testamentary Trust could be your [...]

By |2019-09-16T11:34:21+00:00September 16th, 2019|

Equity Markets

Both the South African equity and property market has had quite a poor showing over the last five years. Meanwhile the more defensive assets such as bonds and cash have done really well over the same period. There are many reasons for these poor returns (not discussed here) which you may have read about on [...]

By |2019-09-20T12:28:41+00:00August 30th, 2019|

Tax Season 2019

2019 Tax Season Opened 1 July 2019 It is that time of the year where we start running around like headless chickens! Yes, it is something most of us dread as it can be a strenuous task – especially when doing your tax returns and you are left thinking – how and what must I [...]

By |2019-07-16T15:09:06+00:00July 16th, 2019|

Walking the line

The first of three inner principles of successful investing is faith in the future.  In fact, it is at the foundation of most things we do as humans.  During the past couple of weeks this has become a key point of discussion in our portfolio review meetings with clients.  Not believing that our efforts will [...]

By |2019-06-18T14:06:27+00:00June 18th, 2019|

Value Investing

Many fund managers describe themselves as value managers. Each however can follow very different approaches to value investing. Let’s first define what is “value”. In simple terms, value refers to an asset, such as a share of a company, which is trading at a market price below intrinsic value. Intrinsic value is the price which [...]

By |2019-04-08T09:45:16+00:00April 8th, 2019|

Rand Cost Averaging

We often hear the saying “buy low, sell high” when it comes to investing. The principal is simple, buy assets when they are cheap and sell when it becomes expensive and this will result in amazing profits. Unfortunately, the ordinary man or woman on the street does not know when assets are cheap or expensive. [...]

By |2019-02-18T10:02:13+00:00February 18th, 2019|
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