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So far Ternary has created 55 blog entries.

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+02:00April 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+02:00February 18th, 2019|

Equity Markets

Over the last five years local equity markets have not produced any meaningful real returns. Investors are of course concerned and rightly so. We are often told that our returns should only be judged over the long-term, however five years has gone by and there’s not much to be excited for. While the above does [...]

By |2018-11-06T08:26:21+02:00November 5th, 2018|

Nine things to keep in mind when drafting a Will

When thinking about a Last Will and Testament, what comes to mind? Some might say, “It is my wishes at my untimely death”. These wishes are not always carried out as per your instruction. Here are a few examples of when your wishes are not carried out accordingly: Not revoking of previous Will; Liquidity shortage; [...]

By |2018-09-17T10:55:15+02:00September 17th, 2018|

Major Life and Will Changes Go Hand in Hand

We have previously looked at the complexities in passing away without a (valid) Will. Click here to view this. If you however have one, the question now arises: “When and how often do I change this?” The simple answer is that one should change your Will when your life changes. Events which warrant this includes, [...]

By |2018-09-04T08:05:25+02:00September 4th, 2018|

Savings

  The idea of saving is something we are all familiar with. However, the end goal of what we are saving towards can be vastly different. It could be something simple like saving for a new car or something more complex like saving towards your retirement. Whatever the goal is you are trying to achieve, [...]

By |2018-07-09T12:41:33+02:00July 9th, 2018|

Tax Planning: Pre-Retirement Products

Do you know what the tax implications are on the various pre-retirement products and how to utilize this to your advantage. This discussion assumes that the underlying investment strategy is made up of a basket of unit-trusts applicable to all products, where the focus here is the difference between products from a Financial Planning point [...]

By |2018-07-09T12:27:13+02:00June 26th, 2018|
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