About Ternary

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So far Ternary has created 67 blog entries.

All about that base

While looking at the performance over the previous 12 months (or any time period for that matter), we need to be cognizant of the base that we are working from. You might have heard investor gurus talk about “Coming off a low base” or “Coming off a high base”, but what does that actually mean? [...]

By |2017-05-26T13:52:59+00:00June 26th, 2015|

Estate Planning: When does it become important and what are your options?

Most people think estate planning is something you should think about when you enter the last stages of your life. The question is: is it? Is it not more important what happens to your assets during your lifetime? When does estate planning become important? Estate planning is important when you are alive and well; when [...]

By |2016-01-21T13:33:48+00:00June 15th, 2015|

Jargon buster: a share vs the share market

Equity. Shares. Stock. It all sounds the same, and when your adviser speaks about these things interchangeably you might be left in the dark if you don't stop and ask what she's actually talking about. By asking and understanding how your money is making money you will go a long way in developing your own [...]

By |2017-05-26T13:52:59+00:00June 1st, 2015|

Why Diversify?

Diversification. We often hear investment gurus talk about diversification. How necessary it is, how it is achieved and how you are benefiting from it. They talk about this as if you understand 100% what they are saying. For those who still feel as though your adviser is talking Urdu when saying the word diversification, let’s [...]

By |2017-05-26T13:53:00+00:00May 4th, 2015|

Financial Freedom

As a client you need to have peace of mind that, we as financial planners, focus on understanding your financial needs because we have taken the trouble of understanding you as a person. It is our goal to take all your financial aspects into account and only then to design an appropriate financial plan and [...]

By |2017-05-26T13:53:00+00:00April 21st, 2015|

The Risk in Risk

A few weeks back, we tried to answer the questions: How Much should I save? We talked about the following 4 points: 1) What are you saving for? 2) Defining your time horizon 3) Defining your savings ability 4) Implementing and monitoring your plan   It holds true in financial markets that the longer your [...]

By |2017-05-26T13:53:00+00:00April 2nd, 2015|

Tax Changes – The basics

For most people money comes like a turtle and goes like a rabbit. And our Minister of Finance pulled a rabbit or two out of his hat when he delivered the Annual Budget Speech on 25 February 2015. Mr. Nene and his cabinet had one clear message - when it comes to your money and [...]

By |2017-05-26T13:53:00+00:00March 27th, 2015|

The Tax Free Savings Account

People often ask themselves the question - Why do we pay tax? We might not all agree with the government, but one thing we can agree upon is the tax- free savings accounts implemented since 1 March 2015. Tax–free investments in a tax efficient vehicle have been implemented to encourage households to save for the [...]

By |2017-05-26T13:53:00+00:00March 23rd, 2015|
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